Optimyze Privacy Policy

Optimyze uses Plaid Technologies, Inc. ("Plaid") to facilitate connections to financial institutions. By linking financial accounts, you authorize Optimyze and Plaid to access and retrieve account information necessary to provide Services. Optimyze does not receive, store, or have access to your banking usernames, passwords, or authentication credentials. Optimyze cannot transfer money, initiate payments, open financial accounts, modify financial accounts, or execute transactions on your behalf.

We may use information to create and manage user accounts, authenticate users, provide Services, generate Financial Fitness Scores, deliver personalized recommendations, process subscriptions, improve the Services, respond to support requests, detect fraud, and comply with legal obligations.

We do not sell personal information. We may share information with trusted providers including Plaid, Supabase, cloud hosting providers, analytics providers, artificial intelligence and language model providers used to generate personalized financial coaching and recommendations, payment processors, Apple App Store and Google Play services, customer support providers, professional advisors, and government authorities when required by law.

We implement commercially reasonable administrative, technical, and physical safeguards designed to protect personal information. No system can guarantee absolute security.

We retain information as reasonably necessary to provide Services, comply with legal obligations, resolve disputes, and enforce agreements.

Users may access personal information, correct inaccurate information, request deletion, disconnect linked accounts, and request information regarding data usage.

Users may delete their account directly within the app under Profile > Privacy & Security, or by requesting deletion by contacting privacy@optimyzeapp.com.

The Services may use cookies, analytics tools, and similar technologies to improve functionality, measure performance, and enhance user experience. Optimyze does not use tracking technologies that track users across third-party apps or websites for advertising purposes, and therefore does not require App Tracking Transparency consent under Apple's guidelines.

The Services may contain links to or integrate with third-party services. Users should review those privacy policies separately.

Optimyze is not directed to children under the age of 13.

Depending on your state or country of residence, you may have additional rights under laws such as the California Consumer Privacy Act (CCPA) or the General Data Protection Regulation (GDPR), including the right to know what personal information we collect, the right to request deletion, the right to correct inaccurate information, and the right to opt out of the sale or sharing of personal information. As stated above, Optimyze does not sell personal information. To exercise any of these rights, contact privacy@optimyzeapp.com.

Optimyze provides educational tools, budgeting resources, financial wellness insights, and informational content. Optimyze is not a bank, lender, broker-dealer, registered investment adviser, certified public accountant, tax advisor, or legal advisor.

We may update this Privacy Policy from time to time. Continued use of the Services after updates become effective constitutes acceptance of the revised Privacy Policy.

Joseph Bye

privacy@optimyzeapp.com

support@optimyzeapp.com

legal@optimyzeapp.com