Privacy Policy

1. Introduction

This Privacy Policy explains how Warm ("Service") collects, uses, and protects your information. By using the Service, you consent to the practices described here.

2. Information We Collect

• Account Information: Email address when you register
• Financial Information: Account balances and transactions via Plaid
• Usage Data: How you interact with the Service

We do not store your bank login credentials. Authentication is handled directly by Plaid.

3. How We Use Your Information

We use your information to:

• • Provide and improve the Service
• • Display your financial data and analytics
• • Respond to support requests

4. Information Sharing

We do not sell your personal information. We share data only with service providers necessary to operate the Service:

• Plaid: Financial data aggregation (Plaid Privacy Policy)
• Hosting providers: To run the application

We may also disclose information if required by law.

5. Data Security

We use industry-standard security measures including encryption in transit and at rest. However, no method of transmission is 100% secure.

6. Your Choices

• • You can view and update your information through the app
• • You can disconnect financial accounts at any time
• • You can delete your account through Settings
• • You can manage Plaid connections at my.plaid.com

7. Data Retention

We retain your data while your account is active. Upon deletion, we remove your personal information, though some anonymized data may be retained.

8. Age Requirement

The Service is not intended for users under 18 years of age.

9. Changes to This Policy

We may update this policy from time to time. Continued use after changes constitutes acceptance.

10. Contact

Questions? Reach out through the app or website.