Privacy Policy

Last Updated: February 6, 2026

This Privacy Policy describes how WTD ("we," "our," or "the App") collects, uses, and handles your information. WTD is a personal and family budgeting application designed with privacy as a foundational principle.

        Core Promise: We only collect the minimum data necessary to provide budgeting features. We do not sell, rent, or share your personal or financial data with any external entities for marketing or commercial purposes.
    

1. Information We Collect

To provide the services within WTD, we collect the following types of information:

Account Information: Name and email address used for authentication and multi-factor authentication setup.
Financial Information: We use Plaid to connect to your financial institutions. Through Plaid, we access account balances, transaction history, and account names.
System Logs: Basic technical logs (IP address, device type) used solely for security auditing and troubleshooting.

2. How We Use Your Information

The information collected is used exclusively for the following purposes:

To display your financial health and transaction history within the WTD dashboard.
To categorize spending and provide budgeting insights.
To ensure the security of your account through Multi-Factor Authentication (MFA).

3. Data Sharing and Third Parties

WTD does not sell your data. Data is only shared with third parties under the following conditions:

Service Providers: We share data with Plaid Inc. to facilitate the connection to your bank. Their use of your data is governed by the Plaid Privacy Policy.
Legal Requirements: We may disclose information if required to do so by law or in the good faith belief that such action is necessary to comply with legal obligations.

4. Data Retention

We adhere to a "Minimum Retention" philosophy. We only retain your financial data for as long as your account is active and connected to the service. If you choose to delete your account or unlink a financial institution, all associated data is purged from our systems immediately.

5. Data Security

We implement industry-standard security measures to protect your data, including:

Encryption of data in transit (TLS 1.2+).
Encryption of sensitive credentials at rest.
Mandatory Multi-Factor Authentication for all users.

6. Your Rights

As a user of WTD, you have the right to:

Access the personal data we hold about you.
Request the correction of inaccurate data.
Request the total deletion of your data at any time.

7. Contact Information

If you have any questions about this Privacy Policy or the security of your data, please contact the administrator at [Your Email Address].