Privacy Policy

Your privacy is our top priority at PingPal.

PingPal is committed to protecting your personal and financial information. This policy explains what data we collect, how we use it, and your rights as a user.

1. What We Collect

• Account Information: Email address and phone number for authentication.
• Bank Data: Transaction and account data accessed securely via Plaid, only after your explicit consent.
• Usage Data: Basic analytics to improve the service (never sold or shared).

2. How We Use Your Data

• To provide you with spending summaries and notifications.
• To send you real-time transaction alerts via Telegram (if enabled).
• To help you manage and disconnect your bank accounts at any time.
• To improve PingPal’s features and security.

3. Data Security

• All bank connections are handled via Plaid, a secure and industry-standard provider.
• Access tokens and sensitive credentials are encrypted and never stored in plain text.
• All configuration and secrets are managed via environment variables, not hardcoded.
• We use HTTPS and industry best practices to protect your data in transit and at rest.

4. Your Rights & Choices

• You can disconnect your bank accounts and delete your data at any time from the dashboard.
• You can request deletion of your account and all associated data by contacting support.
• We do not sell, rent, or share your data with third parties for marketing or advertising.

5. Cookies & Tracking

• PingPal uses cookies only for authentication and session management.
• No third-party advertising or tracking cookies are used.

6. Changes to This Policy

We may update this privacy policy from time to time. Any changes will be posted on this page and are effective immediately upon posting.

7. Contact

If you have any questions or concerns about your privacy, please contact us at support@pingpal.me.