Privacy Policy | Unrenewed

This Privacy Policy explains how Unrenewed ("we," "us," or "our") collects, uses, stores, and protects the personal and financial data of our users ("you" or "your") in connection with our subscription tracking application. By using our services, you agree to the practices described in this policy. If you do not agree with our practices, please do not use our services.

1. Introduction

Unrenewed is designed to help you track your recurring subscriptions and manage payments by analyzing your usage data. Our privacy practices are influenced by the data handling requirements set forth by our technology partners, including Plaid. This Privacy Policy outlines our approach to data collection, usage, storage, protection, and your rights regarding your personal information.

2. Data We Collect

We collect the following data necessary for our app to function:

Financial Transaction Data: Information regarding recurring transactions that confirms your subscriptions, accessed via a secure third-party API (Plaid).
Usage Analytics Data: Data related to how you engage with subscribed services.
Account Details: Information provided during account creation, including sign-up via Google OAuth.
IP Address Information: Collected via analytical tools (e.g., Google Analytics) to help us understand site usage and improve performance.

3. How We Use Your Data

We use your data for the following purposes:

To identify, track, and analyze your recurring payments and subscriptions.
To monitor usage patterns across subscribed services so that we can determine which subscriptions are under-used.
To notify you in advance of upcoming renewals for subscriptions that appear under-utilized.
For internal analytical and performance improvement purposes through the use of third-party services.

4. Third-Party Services and Data Processing

We utilize several third-party services to provide our app's functionality:

Plaid: For accessing recurring transaction data from your bank account in a secure manner.
Supabase: For authentication and database management, with data encrypted at rest.
Google Analytics: For understanding website usage and performance; only aggregated and anonymized data is used.
Vercel: For hosting our application, ensuring secure communication via HTTPS.
Stripe: For managing payments securely.

All data processed by these providers is encrypted and handled in accordance with our contractual and regulatory obligations.

5. Data Storage and Retention

Your data is retained for as long as your account exists on our platform. Should you request data deletion, please contact us at hello@unrenewed.app, and we will delete your personal, financial, and usage data from our systems. In cases where legal or regulatory requirements mandate the retention of certain information, we will notify you accordingly.

Note: Currently, no backup data is maintained beyond what is required for operational continuity.

6. User Consent and Account Setup

During the sign-up process, you are required to accept our Terms of Service and this Privacy Policy. By doing so, you provide your explicit consent for the collection and use of your data as described herein.

Note: While you can disconnect your bank account or revoke consent in the future, the current version of our service does not support retroactive deletion of previously collected data upon consent revocation.

7. Security Measures

We take your security seriously and have implemented multiple layers of protection:

All personal and financial data is encrypted during storage and transmission.
We use reputable third-party services that also adhere to strict security protocols.

While no system is entirely immune to breaches, we continuously work to maintain and improve our security measures.

8. AI-Driven Analysis

Our platform incorporates AI-driven analytics to determine subscription usage patterns and suggest potential cancellations. The analysis performed by our AI systems does not involve processing sensitive data, and the details of these algorithms are not disclosed for proprietary reasons.

9. Data Hosting and Cross-Border Transfers

All user data is hosted on servers located within the United States. Although the data is encrypted, we do not engage in cross-border data transfers outside the U.S. at this time.

10. Regulatory Compliance

At this early stage, our data practices are designed to comply with the requirements set forth by Plaid and other relevant financial data providers. As our service grows, we will review and update our policies to ensure full compliance with applicable regulations.

11. Data Breach Notification

In the unlikely event of a data breach that compromises personal, financial, or usage data, we will promptly notify affected users via email. We are committed to resolving any issues as quickly as possible and will provide regular updates as we work to address the breach.

12. Children's Privacy

Our service is contingent upon having a valid bank account, which implies use by individuals who have the capacity to maintain such an account. There is no specific age restriction stated within our current sign-up process; however, by using our service, you represent that you meet any age requirements necessary for maintaining a bank account in your jurisdiction.

We do not knowingly collect information from children and encourage parents or guardians to contact us if they believe that a child's privacy has been compromised.

13. User Rights

At this stage, we do not have advanced mechanisms in place for users to exercise rights such as data access, rectification, or portability. Users wishing to inquire about, review, or request deletion of their personal data should contact us at hello@unrenewed.app. We will make every effort to honor such requests within a reasonable timeframe and in accordance with applicable laws.

14. Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. When changes occur, we will post the updated policy on our website and update the "Created" date at the top of this document. We encourage you to review this policy periodically for any updates.

15. Contact Information

If you have questions about this Privacy Policy, please contact us at hello@unrenewed.app

By using the Unrenewed app, you agree to the terms outlined in this Privacy Policy. Your trust is important to us, and we are committed to protecting your privacy while delivering a useful service for managing your recurring subscriptions.