Your Privacy Matters

1. Introduction

Evenly ("we", "our", or "us") respects your privacy and is committed to protecting your personal data. This privacy policy explains how we collect, use, and safeguard your information when you use our iOS application.

2. Information We Collect

Personal Information

• Name and Email: Provided during account registration
• Profile Photo: Optional, uploaded by you
• Phone Number: Optional, for account verification

Financial Data (via Plaid)

• Bank Account Information: Account name, type, and balance (read-only)
• Transaction Data: Recent transactions for expense import
• Institution Information: Bank name and logo

Important: We DO NOT store your bank login credentials. Plaid, our bank data partner, handles authentication securely.

Plaid Authorization: By connecting your bank account through Plaid, you expressly authorize Evenly and Plaid to access and transmit your financial information as described in this policy and Plaid's Privacy Policy.

Usage Data

• Expenses: Amounts, descriptions, categories, and dates
• Groups: Group names, members, and balances
• Device Information: iOS version, device model (for bug fixing)
• Analytics: App usage patterns (anonymized)

3. How We Use Your Information

Core Functionality

• Process and track shared expenses
• Calculate balances and settlements
• Send notifications about group activity
• Sync data across your devices via iCloud

Service Improvement

• Analyze app usage to improve features
• Detect and prevent fraudulent activity
• Provide customer support

Communication

• Send important updates about your account
• Notify you of expense activity (if enabled)
• Respond to your inquiries

4. Data Storage and Security

Storage

• Firebase Cloud Firestore: Expense and group data
• iCloud: Optional encrypted backup
• Local Device: Cached data for offline access

Security Measures

• All data transmitted over HTTPS/TLS encryption
• Plaid access tokens stored securely
• Biometric authentication option (Face ID/Touch ID)
• Regular security audits

Data Retention

• Active account data: Retained while account is active
• Deleted accounts: Data permanently deleted within 30 days
• Transaction history: Retained for 7 years (tax purposes)

5. Third-Party Services

Firebase (Google)

• Purpose: Authentication, database, cloud functions
• Data Shared: Email, name, usage data
• Privacy Policy: Firebase Privacy

Plaid

• Purpose: Bank account linking and transaction import
• Data Shared: Read-only access to bank transactions
• Privacy Policy: Plaid Policy

Frankfurter API

• Purpose: Currency conversion rates
• Data Shared: None (public API)
• Website: frankfurter.app

6. Your Rights

Access and Control

• View Data: Access your personal data in Settings
• Export Data: Download all your data as JSON/CSV
• Delete Account: Permanently delete your account and data
• Opt-Out: Disable analytics in Settings

Communication Preferences

• Notifications: Control push notifications in app settings
• Email: Unsubscribe from marketing emails (we don't send these)

California Residents (CCPA)

You have the right to:

• Know what personal information we collect
• Request deletion of your personal information
• Opt-out of the sale of personal information (we don't sell data)

7. Data Sharing

We DO NOT

• ❌ Sell your personal information
• ❌ Share financial data with advertisers
• ❌ Use your data for marketing purposes

We MAY share data

• ✅ With your explicit consent
• ✅ To comply with legal obligations
• ✅ To protect our rights or prevent fraud
• ✅ With service providers (Firebase, Plaid) under strict terms

8. Children's Privacy

Evenly is not intended for users under 18. We do not knowingly collect data from children. If you believe a child has provided us with personal information, please contact us immediately.

9. International Data Transfers

Your data may be transferred to and processed in countries other than your own. We ensure adequate safeguards are in place (e.g., Firebase's EU-US Privacy Shield certification).

10. Changes to This Policy

We may update this privacy policy periodically. We will notify you of significant changes via:

• In-app notification
• Email to your registered address
• App update notes

11. Contact Us

If you have questions about this privacy policy or your data:

12. App Store Required Information

Category: Finance

Data Types Collected

• Contact Info (name, email)
• Financial Info (transaction data via Plaid)
• Identifiers (user ID)
• Usage Data (analytics)

Data Linked to You

All collected data is linked to your identity.

Data Used to Track You

We do not track you across apps and websites.