Privacy Policy

Our Commitment to Your Privacy

At PaydayVibes, your privacy is paramount. We've designed our service with a privacy-first approach — we never ask for your bank login credentials, and you maintain complete control over your financial data. This Privacy Policy explains how we collect, use, protect, and share information when you use our service.

Information We Collect

Account Information

When you create an account, we collect:

• Name
• Email address
• Google account information (if you sign in with Google)

Financial Information You Provide

You manually enter financial planning data including:

• Income sources and paycheck schedules
• Bill payment schedules and amounts
• Credit card payment information (amounts and due dates only)
• Starting balance for cash flow forecasting

Important: We never connect to your bank accounts. We do not have access to your actual bank account numbers, transaction history, or login credentials.

Usage Information

We automatically collect certain information when you use our service:

• Device information (browser type, operating system)
• IP address and timezone
• Pages visited and features used
• Date and time of access

Cookies and Tracking

We use cookies to enhance your experience and analyze usage patterns. You can control cookie preferences through our Cookie Policy and cookie consent banner. See our full Cookie Policy for details.

How We Use Your Information

We use your information to:

• Provide and maintain the service
• Calculate cash flow forecasts and payment schedules
• Send important account notifications and updates
• Respond to support requests
• Improve and optimize the service
• Prevent fraud and ensure security
• Comply with legal obligations

Aggregated and Anonymized Data

We may aggregate and anonymize your data to create statistical information that cannot identify you personally. We may use this aggregated data for:

• Improving our service and developing new features
• Understanding usage patterns and trends
• Research and analytics
• Sharing industry insights and benchmarks
• Marketing and business development purposes

This aggregated data does not contain any personally identifiable information and cannot be used to identify individual users.

How We Protect Your Information

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

• Encryption in transit (HTTPS/TLS)
• Encryption at rest for sensitive data
• Secure authentication with NextAuth.js
• Regular security audits and updates
• Access controls and monitoring
• Data stored in secure MongoDB Atlas databases

Information Sharing

We do not sell your personal information. We may share your information only in these limited circumstances:

• With household members: When you invite others to your household, they can view and edit shared financial planning data
• Service providers: We use trusted third-party services (MongoDB Atlas for database hosting, Vercel for hosting, Resend for email) who are bound by confidentiality agreements
• Aggregated, anonymized data: We may share statistical, aggregated data that cannot identify you personally with third parties for business, research, or analytical purposes
• Legal requirements: When required by law, court order, or legal process
• Business transfers: In the event of a merger, acquisition, or sale of assets

Your Rights

You have the following rights regarding your personal data:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and associated data
• Export: Download your data in a portable format
• Opt-out: Withdraw consent for marketing communications
• Object: Object to certain processing of your data

To exercise any of these rights, please contact us at privacy@paydayvibes.com.

Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. When you delete your account, we permanently delete your data within 30 days, except where we must retain it for legal, tax, or regulatory purposes.

Children's Privacy

PaydayVibes is not intended for use by children under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that we have collected such information, we will promptly delete it.

International Users

PaydayVibes is operated from the United States. If you are accessing the service from outside the United States, your information may be transferred to, stored, and processed in the United States where our servers are located.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by email or through a notice on our website. Your continued use of the service after such changes constitutes acceptance of the updated policy.

Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

Email: privacy@paydayvibes.com