JoyFi (“we,” “our,” or “us”) respects your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you use our website, app, and related services (the “Service”).

1. Information We Collect

• Personal Information you provide: Names, email addresses, household/relationship details, and financial inputs you enter into JoyFi (e.g., income, expenses, goals).
• Account and authentication information: Login credentials and profile data managed through our authentication provider.
• Financial account information: If you link bank or credit accounts through Plaid, we collect account balances, transactions, and related data for budgeting and planning purposes.
• Payment information: If you subscribe, Stripe processes your payment details. We do not store your full payment card information.
• Marketing information: If you join our mailing list, we collect your email and subscription preferences.
• Usage information: Device info, log data, and activity within the Service (via analytics and performance monitoring tools).

2. How We Use Your Information

• Provide, personalize, and improve the Service.
• Enable account linking, transaction processing, and budgeting features.
• Communicate with you (e.g., onboarding, support, updates, marketing if you opt-in).
• Analyze usage to improve features and user experience.
• Maintain security and comply with legal obligations.

3. How We Share Information

• We do not sell your personal information. We may share data in these cases:
• Core service providers (named for transparency):
  
  • Plaid (account linking)
  • Stripe (payment processing)
  • Auth0 (user authentication and account security)
• Other service providers (categories):
  
  • Analytics providers (to understand usage and improve our Service)
  • Email communication tools (to send product updates, onboarding, or marketing if you opt in)
  • Cloud hosting and storage providers (to operate and secure our infrastructure)
• For legal reasons: When required by law, regulation, or valid legal process.
• In business transfers: If JoyFi is involved in a merger, acquisition, or sale of assets.

‍4. Cookies and Tracking

• We use cookies and similar technologies to improve your experience, analyze usage, and deliver relevant communications. You can control cookies through your browser settings.

‍5. Security

• We implement reasonable safeguards to protect your information. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

‍6. Children’s Privacy

• JoyFi is not intended for children under 18. We do not knowingly collect data from minors. If you believe a child has provided us data, please contact us to request deletion.

‍7. Your Choices

• You can update or delete your account information at any time by contacting us.
• You can unsubscribe from marketing emails by following the unsubscribe link in our communications.
• Depending on your location, you may have additional rights under laws such as the GDPR or CCPA.

‍8. Changes to This Policy

• We may update this Privacy Policy from time to time. If we make material changes, we will notify you via email or through the Service.

‍9. Contact Us

• If you have questions about this Privacy Policy, contact us at: privacy@getjoyfi.com