Privacy Policy

Effective Date: 3/22/2026

Testifyd LLC (“Testifyd,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you use the BudgeIt mobile app, BudgeIt+ subscription features, Testifyd LLC AI Chatbots, our website at https://testifyd.io, and related services (collectively, the “Services”).

By using the Services, you agree to this Privacy Policy.

1. Scope

This Privacy Policy applies to information collected through:
- BudgeIt
- BudgeIt+
- Testifyd LLC AI Chatbots
- Our website and related pages
- Customer support, referral, promotional, and subscription interactions

This Privacy Policy does not apply to third-party websites, financial institutions, app stores, payment processors, or other services we do not control.

2. Information We Collect

We collect information you provide directly, information collected automatically, and information from third parties.

A. Information You Provide

We may collect:

- Name
- Email address
- Phone number
- Mailing or billing address
- Account credentials
- Support messages and communications
- Chatbot prompts and responses
- Referral information
- Any other information you submit

B. Financial and Budgeting Data

If you use BudgeIt features, we may collect or receive:

- Linked account status and metadata
- Transaction history
- Account balances
- Budget categories and goals
- Spending activity and preferences
- Budget and coaching settings

C. Subscription and Payment Data

If you purchase or trial BudgeIt+:

- Plan type and subscription status
- Trial start/end status
- Billing and renewal status
- Purchase and cancellation history
- Limited payment-related records from payment processors or app stores

We do not store full payment card numbers unless processed and retained by an authorized payment provider.

D. Automatically Collected Data

We may automatically collect:

- IP address
- Device type and identifiers
- Operating system and app version
- Browser type
- Usage events
- Crash logs and diagnostics
- Approximate location from IP/device settings
- Cookies and similar technologies on our website

E. Information from Third Parties

We may receive data from:

- Financial account connectivity providers (including Plaid)
- App stores (Apple, Google)
- Payment and subscription platforms (such as Stripe, RevenueCat)
- Analytics and diagnostics tools
- Authentication and support tools
- Referral and marketing partners

3. Plaid and Linked Financial Accounts

BudgeIt uses Plaid Technologies, Inc. (“Plaid”) to connect your bank accounts and other financial accounts.

When you choose to link an account:
- Your bank login credentials are entered into and processed by Plaid
- Testifyd and BudgeIt do not receive or store your bank username or password
- We receive account, balance, transaction, and related data that Plaid and your financial institution make available to us

We use this data to provide app functionality such as account sync, budgeting, daily spend guidance, and financial coaching features.

Your use of Plaid is subject to Plaid’s terms and privacy practices:
- https://plaid.com/legal/#consumers
- https://plaid.com/legal

4. How We Use Information

We use personal information to:
- Provide, operate, and improve the Services
- Create and manage user accounts
- Sync financial accounts and display budgeting insights
- Calculate spending targets and coaching guidance
- Process subscriptions, renewals, trials, and cancellations
- Deliver customer support
- Operate chatbot features
- Detect fraud, abuse, and unauthorized access
- Send transactional and service communications
- Send marketing communications where permitted
- Run referral and promotions programs
- Analyze performance and product usage
- Comply with legal obligations
- Enforce our terms and protect users and our business

5. Legal Bases for Processing

Where required by law, we process personal information based on:
- Your consent
- Performance of a contract with you
- Compliance with legal obligations
- Legitimate business interests (such as security, fraud prevention, and service improvement)

6. Disclosure of Personal Information

We may disclose personal information to:
- Employees, contractors, and affiliates
- Cloud hosting and infrastructure providers
- Financial connectivity providers (such as Plaid)
- Payment processors and subscription providers (such as Stripe, RevenueCat)
- App store platforms (Apple, Google)
- Analytics, support, and diagnostics providers
- Professional advisors (legal, accounting, audit)
- Regulators, law enforcement, courts, and authorities where required
- Parties involved in a merger, acquisition, financing, or sale of assets

7. Cookies and Similar Technologies

We may use cookies, local storage, pixels, and similar technologies on our website to:
- Remember preferences
- Keep users signed in
- Understand traffic and usage
- Improve website performance
- Support measurement and attribution

You can manage cookie settings through your browser, but some features may not work properly if cookies are disabled.

8. Data Retention

We retain personal information only as long as necessary for the purposes in this Privacy Policy, including to:
- Maintain your account
- Provide Services
- Meet legal, tax, accounting, and compliance obligations
- Resolve disputes and enforce agreements
- Prevent fraud and abuse

When no longer needed, information may be deleted, anonymized, or retained as permitted by law.

9. Data Security

We use commercially reasonable administrative, technical, and physical safeguards to protect personal information.

No transmission or storage system is completely secure. We cannot guarantee absolute security.

You are responsible for protecting your account credentials and using secure passwords and devices.

10. Children’s Privacy

Our Services are not directed to children under 13, and we do not knowingly collect personal information from children under 13.

Because BudgeIt includes financial features, some Services may require users to be 18 or older.

11. Your Privacy Rights

Depending on your location, you may have rights to:
- Access personal information we hold
- Correct inaccurate data
- Request deletion
- Request data portability
- Restrict or object to certain processing
- Withdraw consent where applicable
- Opt out of direct marketing
- Appeal certain decisions where required by law

We will not discriminate against you for exercising applicable privacy rights.

To make a request, contact us using the details below. We may need to verify your identity.

12. Account Deletion

You may request account deletion by contacting support. We may retain limited information as necessary to:
- Complete transactions
- Comply with legal obligations
- Prevent fraud
- Resolve disputes
- Enforce agreements

13. International Data Transfers

If you access the Services from outside the United States, your information may be transferred to and processed in the United States or other countries where we or our service providers operate, subject to applicable law.

14. Business Transfers

If Testifyd is involved in a merger, acquisition, financing, reorganization, bankruptcy, or asset sale, personal information may be transferred as part of that transaction, as permitted by law.

15. Third-Party Services and Links

The Services may link to third-party sites and services. We are not responsible for third-party privacy or security practices. Your interactions with third parties are governed by their own terms and privacy policies.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect legal, operational, or service changes. We will update the Effective Date when changes are posted. Where required by law, we will provide additional notice or seek consent.

17. Contact Us

If you have questions or privacy requests, contact:

Testifyd LLC
Email: support@testifyd.io
Address: 2505 E Pleasant Ln, Phoenix, AZ 85042
Phone: +1 602 315 6854