Privacy Policy
We take your privacy seriously. Here's how we protect and use your data.
Who we are
SmartPockets ("we," "us," "our") is a personal finance app designed to help users manage credit cards more effectively by providing visibility into transactions, balances, due dates, and recurring charges.
Scope
This Policy explains how we collect, use, share, and protect personal information when you use SmartPockets. It also covers how we work with our service provider Plaid to securely connect your financial accounts.
Information we collect
1. Information you provide
- • Basic profile information: name, email, and account preferences.
- • Settings: which accounts/cards you choose to connect.
2. Information from financial accounts (via Plaid)
When you link an account, Plaid securely connects to your institution and provides us read-only data such as:
- • Account identifiers (e.g., institution name, last digits of account number).
- • Transactions (date, amount, merchant, category).
- • Liabilities (credit cards): credit limit, statement balance, minimum due, next due date, APRs (including promotional APRs when available).
- • Recurring transactions (subscriptions, bills) if enabled.
🔒 Security Note: We never receive or store your banking credentials. Authentication is handled directly by Plaid.
3. Device and technical information
- • Device type, operating system, IP address.
- • Basic telemetry and logs used for troubleshooting and security.
How we use your information
Core Features
- • Balances & transactions
- • Due dates & recurring charges
- • Budgeting & insights
Service Operations
- • Analytics & improvements
- • Security & fraud prevention
- • Legal compliance
Sharing and disclosure
🚫 We do NOT sell your data
We do not sell or share your personal information for advertising purposes.
We may share information only with:
(e.g., Plaid, cloud hosting) under strict security obligations.
if required by law or legal process.
if SmartPockets is ever acquired or merged, subject to privacy protections.
Plaid Integration
Secure Bank Connection
By linking an account, you authorize Plaid to access and transmit your data from your financial institution to SmartPockets. Plaid's use of data is governed by its own privacy policy.
✓ SmartPockets only uses read-only data for card management and insights
✓ We never initiate transfers or move money via Plaid
Data retention
We collect only the data needed for SmartPockets features.
Financial data is kept while your account is active. If you unlink an account, SmartPockets stops refreshing it and deletes the related financial data within 30 days (subject to legal retention).
Retained temporarily (30–90 days) for security and service reliability.
Your choices & rights
Account Control
- • Unlink accounts anytime in the app
- • Request deletion of your account and data
Data Access
- • Access/export your data in portable format
- • Withdraw consent to account linking anytime
Security
🔐 How we protect your information
Encryption
In transit and at rest
Access Control
Limited system access (least privilege)
2FA Protection
Admin & cloud accounts secured
Industry Standards
Enterprise cloud safeguards
Transparency Note: No method is 100% secure, but we continually work to protect your information using industry best practices.
Policy Changes
We may update this Policy as SmartPockets evolves. If changes are significant, we will notify users (e.g., in-app or by email) and update the effective date above.
Have Questions?
If you have questions or requests about this Privacy Policy, we're here to help.