Privacy Policy

Introduction

Welcome to Band For Band, a personal finance management iOS app by Mapo Labs. We help you track and visualize your spending, net worth, and semi-anonymous social sharing of financial milestones. Your privacy is extremely important to us. This Privacy Policy explains how we collect, use, and share your personal information in connection with our app and services. By using Band For Band or any related services, you agree to this Privacy Policy. If you do not agree, please do not use our services.

1. Information We Collect

1.1 Information You Provide to Us

• Account Information: When you create an account, we may collect your name, email address, username, and password.
• Linked Financial Accounts: If you choose to link your bank or brokerage accounts through Plaid or similar services, we collect financial information (e.g., transaction data, balances, net worth details) to provide our finance tracking features.
• User-Generated Content: This includes any information or content you submit to the app, such as semi-anonymous posts showing your net worth or spending habits.
• Payment Information: If you subscribe to our premium service, we or our payment processors may collect billing details and other necessary information to process transactions.

1.2 Information We Collect Automatically

• Device Information: Details about your device, such as device type, operating system, unique device identifiers, and browser type, if applicable.
• Usage Data: Information about your interactions with our app and services, including pages viewed, app features used, and error logs.
• Cookies and Similar Technologies: We may use cookies, pixels, and other tracking technologies to track usage and personalize your experience.

1.3 Information from Third Parties

• Plaid and Other Financial Data Aggregators: When you connect an external financial account, we receive transaction data, balances, and other financial details through these services.
• Authentication Providers: If you log in via Apple, Google, or similar platforms, we may receive your name, email, or other account details from them.

2. How We Use Your Information

• To provide, maintain, and improve our personal finance tracking and social sharing features.
• To customize your experience, including displaying relevant content and recommendations.
• To process payments and manage premium subscriptions.
• To offer personalized financial recommendations or product offerings (e.g., suggesting cheaper products or new credit card deals).
• To analyze user behavior and app performance, using anonymized or aggregated data.
• To communicate with you regarding updates, new features, promotions, or other news about Band For Band.
• To comply with legal obligations and protect the rights and safety of users, Mapo Labs, or others.

3. How We Share Your Information

3.1 Service Providers and Partners

We may share your information with third-party vendors that help us operate or improve our services, including payment processors, data hosting providers, and analytics services. This may also include affiliate partners, where we may earn commissions if you choose to sign up for their services based on our recommendations.

3.2 Plaid

Your linked financial data is collected and transmitted through Plaid. Plaid’s use of your personal information is governed by their own privacy policy. Please review Plaid’s policy for more details.

3.3 Legal and Safety Reasons

We may disclose your information if required by law or if we believe such disclosure is necessary to:

• Comply with legal obligations or respond to lawful requests by public authorities.
• Protect or defend the rights, safety, or property of Mapo Labs, our users, or others.

3.4 Business Transfers

In the event of a merger, acquisition, or other business transaction involving Mapo Labs, user information may be transferred as part of that deal.

4. Your Choices and Rights

4.1 Managing Your Information

You can review and update your account details in the app settings at any time. If you wish to disconnect a linked financial account, you can do so through the app or by contacting us.

4.2 Marketing Communications

You can opt out of marketing or promotional emails by following the unsubscribe instructions in those emails or contacting us directly.

4.3 Data Deletion

If you would like to delete your account or request deletion of any personal data, please email us at team@mapolabs.com. We will process such requests in accordance with applicable laws; however, some information may be retained for legal, security, or operational purposes.

5. Data Security

We take reasonable measures to safeguard your data. However, no system is completely secure. By using our services, you acknowledge that there are security and privacy limitations inherent to the Internet.

6. International Transfers

Your personal information may be transferred to, and maintained on, servers located outside your state or country. By using our services, you consent to any such transfer of information outside of your country.

7. Children's Privacy

Band For Band is not intended for use by individuals under the age of 13. We do not knowingly collect personal data from children. If you become aware of any data we have collected from children, please contact us so we can delete it.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make any significant changes, we will notify you via the app or by email. Your continued use of Band For Band after any changes become effective indicates your acceptance of the updated policy.

9. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us at: team [at] mapolabs.com