Privacy Policy

1. Information we collect

• Account information: When you create an account, we collect your email address, name, and the plan you select (monthly or yearly). This is handled through our authentication provider.
• Financial data you enter: Bills, loans, investments, due dates, amounts, categories, autopay status, payment history, and balances. We only store what you type or import.
• Usage data: Basic error and performance data to help us keep the app running smoothly. We do not sell this data.

2. How we use your information

• To create and manage your account and free trial.
• To provide the Hey Owl dashboard, reminders, timeline, history, and analytics.
• To calculate upcoming due dates and payment totals.
• To communicate with you about your account, trial, or service changes.
• To improve app stability and fix bugs.

3. Free trial

Every new account starts with a 7-day free trial. No credit card is required to start the trial. We collect only the account details needed to create your login and profile. You can cancel any time before the trial ends.

4. Data storage and security

Your account and app data are stored with our managed cloud backend. We use industry-standard authentication and encrypted connections. Database backups are performed regularly to help protect against data loss.

5. Cookies and local storage

We use cookies and browser local storage to keep you signed in and remember your session. You can clear these through your browser settings, but doing so will sign you out of the app.

6. Data retention

We keep your account and financial data for as long as your account is active. If you delete your account or ask us to remove your data, we will delete or anonymize it within a reasonable time, except where we are required to keep it by law.

7. Your choices

• You can update or delete bills, loans, and investments inside the app at any time.
• You can cancel your subscription or trial from your account settings.
• You can request a copy of or deletion of your account data by contacting us.

8. Third parties

We rely on trusted providers for authentication, cloud hosting, and backups. We do not sell your personal information or financial data to advertisers or data brokers.

9. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will revise the effective date at the top of the page. Continued use of Hey Owl after changes means you accept the updated policy.

10. Contact us

If you have questions about this Privacy Policy or your data, please contact us at support@heyowl.app.