Granite Finance ("Company", "we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our application, Granite (the "Service").
1. Information We Collect
We collect information in the following ways:
Information You Provide Directly: This includes your email address when you create an account, as well as any financial information you manually enter, such as your monthly income, fixed expenses, and savings or investment goals.
Financial Information via Plaid: When you connect your financial accounts to our Service, we use a third-party service provider, Plaid Inc. ("Plaid"), to retrieve transaction data. This includes information about your account balance, transaction history, merchant names, amounts, and categories. We do not receive or store your bank account login credentials.
Usage Information: We may collect basic information about how you interact with our Service to help us improve functionality and user experience.
2. How We Use Your Information
We use the information we collect for the following purposes:
To provide, operate, and maintain our Service, including calculating your daily budget.
To personalize your experience.
To communicate with you, including sending optional notifications and responding to your inquiries.
To monitor and analyze usage to improve and enhance the Service.
To enforce our Terms and Conditions.
3. How We Share Your Information
We do not sell your personal information. We may share your information with trusted third-party service providers under the following circumstances:
Financial Data Aggregators: We share information with Plaid to connect to your bank accounts. Plaid's use of your information is governed by their privacy policy, which we encourage you to review.
Infrastructure and Cloud Providers: We use a backend server to host our application, database, and authentication services. Your data is stored securely on their platform.
Notification Services: If you opt-in to notifications, we will share necessary information (like your email address and relevant budget data) with our notification provider to deliver those alerts.
Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities.
4. Data Security
We use administrative, technical, and physical security measures to help protect your personal information. We rely on the security infrastructure of our provider, which includes industry-standard security practices. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that no security measures are perfect or impenetrable.
5. Your Rights and Choices
You have the right to review, update, or delete the personal information you provide in your account settings. You can also disconnect your financial accounts at any time. If you wish to permanently delete your account and all associated data, please contact us.
6. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.
7. Contact Us
If you have any questions about this Privacy Policy, please contact us.