Privacy Policy

Effective Date: 2/8/2024

This Privacy Policy describes how Timmy ("we", "us", or "our") collects, uses, shares, and protects the personal information of users ("you" or "your") of the Timmy mobile application ("App"). By accessing or using the App, you consent to the collection, use, and disclosure of your information in accordance with this Privacy Policy.

Information We Collect:

a. Personal Information: We collect personal information you provide when you register an account with Timmy, including your name, email address, and password.

b. Financial Information: Timmy uses Plaid API to access your bank account information and transaction history. This may include details of your transactions, account balances, and other financial data.

c. Usage Information: We collect information about how you use the App, such as your interactions with features and functionalities, device information, and log data.

d. OpenAI API: Timmy utilizes the OpenAI API to generate tailored text messages based on your financial goals and transaction history.

Use of Information:

a. Personal Information: We use your personal information to create and manage your Timmy account, communicate with you, and provide customer support.

b. Financial Information: Timmy uses your financial information to analyze your transaction history and provide personalized financial guidance to help you achieve your financial goals.

c. Usage Information: We use usage information to improve the App's functionality, enhance user experience, and personalize content.

d. OpenAI API: Your transaction data may be used by the OpenAI API to generate tailored text messages aimed at assisting you in achieving your financial objectives.

Sharing of Information:

a. Service Providers: We may share your information with third-party service providers who assist us in operating the App, such as Plaid and OpenAI.

b. Legal Compliance: We may disclose your information when required by law or to protect our rights, property, or safety, or the rights, property, or safety of others.

c. Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

d. Aggregated Data: We may share aggregated and anonymized data for research or statistical purposes.

Data Retention:

We retain your information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

Your Choices:

a. Account Information: You can review and update your account information by accessing your account settings within the App.

b. Communication Preferences: You can opt out of receiving promotional communications from us by following the instructions provided in such communications.

c. Data Access: You may request access to the personal information we hold about you and request corrections or deletions of such information.

Data Security:

We implement security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Sale of Transaction Data:

By using the App, you acknowledge and consent to our right to sell aggregated and anonymized transaction data to third parties for marketing, research, or other purposes.

Children's Privacy:

The App is not intended for users under the age of 17, and we do not knowingly collect personal information from users under 17. If you believe that we have inadvertently collected information from a user under 17, please contact us immediately.

Changes to this Privacy Policy:

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated Privacy Policy within the App or by other means of communication.

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at https://www.timmyapp.com/contact.

By continuing to use the Timmy App, you agree to the terms of this Privacy Policy.