{"title":"Privacy Policy","version":"1.0","effectiveDate":"2026-06-18","sections":[{"heading":"Information We Collect","body":"We collect the account details you provide (name, email, mobile) and the card and transaction data you add manually, upload, or connect via Plaid."},{"heading":"How We Use Your Data","body":"Your data is used to provide the service: showing your dashboard, parsing statements, and generating payment suggestions. We do not sell your personal data."},{"heading":"Data Security","body":"Passwords are stored only as salted hashes, never in plain text. Access to your data requires authentication, and sensitive tokens are kept out of API responses."},{"heading":"Third-Party Services","body":"We use Plaid for bank connectivity and an AI provider to generate plain-language explanations of plans we calculate. We share only the minimum data required for these features."},{"heading":"Data Retention and Deletion","body":"You may delete your account at any time from the profile screen. Deleting your account permanently removes your cards, transactions, recommendations, and support tickets."},{"heading":"Contact","body":"For privacy questions or data requests, contact support through the in-app Help center."}]}