1. Overview

Poise (“Poise”, “we”, “us”, or “our”) provides a budgeting application that connects to your bank accounts to build and maintain a budget automatically. This Privacy Policy explains what information we collect, how we use it, and the choices you have.

By creating an account or using Poise, you agree to the practices described here. If you don’t agree, please don’t use the service.

2. Information We Collect

Account information

When you sign up, we collect your name, email address, and password (stored as a salted hash, never in plain text).

Financial data

When you connect a bank account, we use Plaid to retrieve read-only transaction history, account balances, and account details. Poise never receives or stores your online banking credentials — those go directly to your bank through Plaid.

Information you provide

Anything you tell Poise directly — through onboarding, the budgeting assistant, or a support or contact form — including household details, preferences, and the content of your messages to us.

Usage & device data

Standard technical data such as IP address, browser type, device identifiers, and how you interact with the app, collected automatically to keep the service reliable and secure.

3. How We Use Your Information

• Build, categorise, and keep your budget current as new transactions arrive
• Personalise insights, coaching, and recommendations
• Provide customer support and respond to the messages you send us
• Send service-related communications (security alerts, billing, product updates)
• Maintain the security and integrity of the service
• Improve Poise based on aggregated, de-identified usage patterns

We do not use your financial data to serve ads, and we do not sell your data to third parties.

4. How We Share Information

We share information only where it’s necessary to run the service:

• Plaid, to establish and maintain your read-only bank connection
• Infrastructure and hosting providers, to store data and run the app securely
• Payment processors, to handle billing once you add a payment method
• Household members you invite, who see the shared budget and connected accounts you choose to include
• Legal authorities, only where required by law or to protect the rights, safety, or property of Poise or our users

We never sell your personal or financial information.

5. Bank Connections & Plaid

Poise’s bank connections run through Plaid, a service used by most major financial apps. Access is strictly read-only — Poise can see your transactions and balances, but it cannot move money, make payments, or change anything in your bank account. You can disconnect a bank account at any time from Settings.

6. Data Security

Data is encrypted in transit (TLS) and at rest. Access to production systems is limited to those who need it to operate the service, and we monitor for unauthorised access. No method of transmission or storage is 100% secure, but we work to protect your information using industry-standard practices.

7. Data Retention & Deletion

We keep your data for as long as your account is active. If you cancel, your data remains available until the end of your current billing period so you can export it or return without losing history — after that, it is permanently deleted from our production systems. You can also request deletion at any time by contacting us.

8. Your Rights & Choices

Depending on where you live, you may have the right to access, correct, export, or delete your personal information, and to opt out of non-essential communications. To exercise any of these rights, reach out through our contact pageor email us directly — we respond to every request.

9. Children’s Privacy

Poise is not directed at children, and is not intended for use by anyone under 18. We don’t knowingly collect information from children.

10. International Users

Poise is operated from Canada. If you use Poise from outside Canada, your information will be transferred to and processed in Canada, where data protection laws may differ from those in your country.

11. Changes to This Policy

We’ll update this page if our practices change, and update the “last updated” date above. Material changes will be communicated by email or in-app notice.

12. Contact Us

Questions about this policy or your data? Reach us through the contact page or at iamjeanmalan@gmail.com.