Privacy Policy

Last updated October 27, 2026. Plain-English policy; have it checked by a lawyer before launch.

The short version: we keep only what you type in and what's needed for billing, we never ask for your bank login, and we never sell your data.

Who is responsible for your data

[SELLER NAME / BUSINESS NAME]

[BUSINESS ADDRESS], Italy

Your email address, so you can sign in.
What you enter: paychecks, bills, goals and spending.
Your plan and billing status: which plan you're on, trial and renewal dates, and invoice amounts. Card details are handled by Stripe; we never see your full card number.
If you turn on notifications: a code for your device so we can send them.
Simple usage steps (for example "finished setup" or "started trial") and error reports with your browser type, so we can fix problems.
Messages you send us through Contact support, and feedback you choose to give.

To run the app and your plan, including billing (needed to provide the service you signed up for).
To keep the app secure, fix problems and improve it (our legitimate interest in a working, safe product).
To send notifications and show your first name and comment on our site — only if you turn them on or tick the box (your consent, which you can withdraw anytime).
To keep billing and tax records the law requires.

Ask for your bank login or connect to your bank.
Sell your data, or share it for advertising.
Use advertising or tracking cookies. If we ever add them, we'll ask first and you can say no.

Our hosting and database provider stores your data securely.
Stripe processes payments, calculates sales tax/VAT, prevents fraud and emails your receipts.
Apple, Google or Mozilla deliver notifications to your device, if you turn them on.
Google, only if you choose to sign in with Google.
Some of these providers are in the United States. Where data leaves the EU/UK, it's protected by the standard safeguards the law requires (such as Standard Contractual Clauses).

Your budget data: for as long as you have an account. If your plan ends, we keep it so you can come back; delete your account anytime to remove it.
Billing and invoice records: as long as tax law requires (up to 10 years), even after you delete your account.
Error reports and usage steps: up to 12 months.

See, correct, export or delete your data. Export: Settings › Export my data. Delete: Settings › More settings › Delete my account (this also cancels any subscription).
Object to or restrict how we use your data, and withdraw consent anytime.
In the EU/UK, complain to your data protection authority (in Italy, the Garante per la protezione dei dati personali).
In US states with privacy laws (such as California): we don't sell or share your personal information, and we won't treat you differently for using your rights.

We'll tell you in the app or by email before any important change to this policy. Questions or requests? Email support@untilpayday.app.