Privacy Policy
Mindful Finance shows you a calm daily spending number. To do that, it reads transaction and account information from the bank accounts you choose to connect. We collect only what the app needs to work, we do not sell your data, we run no advertising and no cross-app tracking, and you can delete everything from within the app at any time.
Who we are
Mindful Finance (“we,” “us,” “our”) provides the Mindful Finance iOS app and its supporting servers. You can reach us at privacy@mindfulfinance.app.
What we collect
We do not ask for your name, email address, phone number, or a password. Your account is anonymous — it is identified only by a random app-generated identifier.
When you connect a bank account, we collect, through our data provider Plaid:
- Account information — account or card name, type, and the last digits (mask) of connected accounts.
- Transaction information — merchant name, amount, date, and a general classification of your transactions.
- An institution connection token, stored only on our servers in encrypted form so the app can refresh your transactions. The app itself never holds it, and it is never readable by the app or by other users.
We also store the settings you create in the app: your monthly target and any merchants you choose to set aside.
We do not collect location, contacts, photos, advertising identifiers, or usage analytics. The app contains no analytics or advertising software.
How we collect it
- Through Plaid. When you connect an account, you enter your bank credentials directly into Plaid’s secure interface. We never see or store your bank login credentials. Plaid transmits the resulting account and transaction data to us. Plaid’s handling of your information is governed by the Plaid end-user privacy policy.
- Directly in the app, for the settings you enter (your target, your exclusions).
How we use it
We use your information only to provide the app’s core function: computing and showing your daily spending signal, your weekly rhythm, and your history; powering the home-screen widget; and sending the optional morning and weekly notifications you turn on. We do not use your data for advertising, profiling for third parties, or any form of tracking.
Who we share it with
We share data only with the service providers that run the app, and only so they can operate it on our behalf:
- Plaid — secure connectivity to your financial institutions.
- Supabase — database and anonymous authentication hosting (where your data is stored).
- Vercel — hosting for the small server that talks to Plaid.
We do not sell your personal information and we do not share it for advertising or cross-context behavioral purposes.
How we protect it
Data is transmitted over HTTPS. Your data is isolated per account by database row-level security, so one user can never read another’s data. The bank connection token is encrypted (AES-256-GCM) and held only on our servers; the app never receives it. Real secrets are never shipped in the app.
How long we keep it & how to delete it
We keep your data while your account exists. You can delete your account and all associated data at any time from Settings → Delete my data. This removes your data from our servers and disconnects your linked institutions at Plaid. Deletion is permanent and cannot be undone.
Children
Mindful Finance is not directed to children and is not intended for anyone under 18. We do not knowingly collect data from children.
Your rights
Depending on where you live (for example under GDPR or CCPA/CPRA), you may have rights to access, correct, or delete your data, and to object to certain processing. Because the account is anonymous, in-app deletion is the most direct way to exercise your deletion right. For other requests, contact us at privacy@mindfulfinance.app.
Changes to this policy
We may update this policy. Material changes will be reflected by a new effective date at the top, and where appropriate, surfaced in the app.
Contact
Mindful Finance
privacy@mindfulfinance.app