Privacy Policy

Information You Provide

When creating an Accountabl account, we may collect:

• Name
• Email address
• Phone number (optional)
• Password (encrypted)
• Profile information
• Financial goals
• Accountability partner invitations
• Communications you send us

Financial Information

With your permission, Accountabl allows you to securely connect financial accounts through Plaid.

When you connect a financial institution, we may receive information including:

• Financial institution name
• Account name and type
• Current and available balances
• Transaction history
• Merchant descriptions
• Categories of spending
• Account ownership information
• Routing and account numbers when required for account authentication
• Identity information associated with your financial institution

Accountabl does not receive or store your online banking username or password.

Device Information

We may automatically collect:

• IP address
• Browser type
• Device type
• Operating system
• App usage statistics
• Crash reports
• Cookies and similar technologies

We use your information to:

• Create and manage your Accountabl account
• Display connected financial accounts
• Categorize spending
• Track income and expenses
• Calculate cash flow
• Generate budgets
• Identify recurring expenses
• Monitor financial progress
• Provide personalized financial insights
• Deliver spending alerts
• Improve financial awareness
• Help you achieve your financial goals
• Detect fraud and unauthorized activity
• Improve our platform and user experience
• Respond to customer support requests
• Comply with legal obligations

Accountabl is built around financial accountability.

If you choose to invite an accountability partner, you may authorize Accountabl to share selected financial information such as:

• Budget progress
• Goal completion
• Spending summaries
• Financial insights
• Accountability scores
• Progress updates

Detailed transaction histories, account credentials, account numbers, and sensitive banking information are never shared with another user unless you expressly authorize that information to be shared.

You may remove an accountability partner or revoke sharing permissions at any time.

Accountabl uses Plaid Inc. ("Plaid") to securely connect your financial accounts.

By connecting your accounts through Plaid, you authorize Plaid to retrieve financial information from your financial institution and securely transmit that information to Accountabl.

We use this information to:

• Display account balances
• Import transactions
• Monitor cash flow
• Generate spending insights
• Build budgets
• Identify recurring bills
• Calculate available spending
• Track financial goals
• Generate accountability reports
• Provide personalized recommendations

Plaid's use of your information is governed by Plaid's own Privacy Policy.

We do not sell your personal information.

We may share information with:

Service Providers

Trusted vendors who help operate Accountabl, including:

• Plaid
• Cloud hosting providers
• Analytics providers
• Customer support platforms
• Email delivery providers

Accountability Partners

Only information you choose to share.

Legal Requirements

When required by law, subpoena, court order, or to protect the rights, safety, and security of Accountabl or others.

Business Transfers

If Accountabl is acquired, merged, or reorganized, user information may be transferred as part of that transaction.

We implement administrative, technical, and physical safeguards designed to protect your information.

These include:

• Encryption in transit
• Encryption at rest
• Secure authentication
• Access controls
• Role-based permissions
• Continuous security monitoring

Although no method of electronic storage is completely secure, we work to protect your information using industry-standard practices.

We retain your information only as long as necessary to:

• Provide Accountabl services
• Maintain your account
• Meet legal obligations
• Resolve disputes
• Prevent fraud
• Enforce our agreements

If you disconnect a financial institution or delete your Accountabl account, we will delete or anonymize your financial information within a reasonable period unless we are legally required to retain it.

You may:

• Connect or disconnect financial institutions
• Delete your Accountabl account
• Request deletion of stored information
• Update your profile
• Change accountability sharing preferences
• Opt out of non-essential communications

To exercise these rights, contact us at: privacy@accountabl.app

Accountabl uses cookies and similar technologies to:

• Remember preferences
• Improve performance
• Analyze usage
• Maintain secure sessions

You may disable cookies through your browser settings, although some features may not function properly.

Accountabl is intended for users who are at least 18 years old.

We do not knowingly collect personal information from children.

If you access Accountabl outside the United States, you understand that your information may be transferred to and processed in the United States.

We may update this Privacy Policy from time to time.

When material changes are made, we will update the Effective Date and provide notice where required.

If you have questions regarding this Privacy Policy, please contact us: