Privacy Policy

At Efficient Dollar, your privacy is critically important to us. This Privacy Policy explains how we collect, use, store, and protect your information when you use our website, budgeting tools, financial calculators, authentication features, paid subscriptions, and (in the future) Plaid-powered financial account connections.

By using Efficient Dollar, you agree to the practices described in this Privacy Policy.

1. Information We Collect

1.1 Personal Information You Provide

We collect information you directly provide, such as:

Name and email address (e.g., when creating an account, logging in with Google, joining the newsletter, or submitting a contact form)
Message content you send through the contact form
Billing-related information (for future paid subscription features)
Financial account information securely processed through Plaid (for future bank account integrations)

We never sell your personal information.

1.2 Usage and Device Information

We automatically collect certain data when you interact with our platform, including:

IP address, browser type, and device information
Pages viewed and actions taken on the site
Event logs related to authentication or feature usage
Cookies and similar technologies for session management and analytics

1.3 Financial Data (Future Features)

When financial account connections are launched, users will be able to securely link bank accounts using Plaid. Through Plaid, we may receive:

Account balances
Transaction history
Account details (non-sensitive identifiers)

Efficient Dollar never sees or stores your bank login credentials. These are processed exclusively by Plaid using their secure authentication systems.

1.4 Subscription and Payment Data (Future Features)

For paid plans, we may collect:

Subscription status
Payment history
Last 4 digits of card number and expiration (through a secure payment processor)

We do not store full credit card numbers.

2. How We Use Your Information

2.1 To Provide and Improve Our Services

We use your information to:

Create and manage your account
Deliver budgeting tools, analytics, and personalized dashboards
Send transactional emails (e.g., login confirmations, password resets)
Maintain secure authentication and prevent fraud
Improve platform performance and user experience

2.2 For Communication

We may use your email to:

Send newsletters (only if you opt in)
Respond to support inquiries
Share important updates about service changes or new features

2.3 For Paid Features (Future)

If you subscribe to paid plans, your information may be used to:

Process payments
Manage your subscription
Provide premium financial analytics and automated email reporting

2.4 For Aggregated Analytics

We may create anonymous, aggregated analytics to improve the platform. These reports contain no personal data.

We do not sell your data.

We may share your information only with trusted service providers that help us operate Efficient Dollar, including:

Resend (sending transactional emails)
Google (for authentication)
Plaid (for secure financial account connections)
Stripe (for future subscription payments)
Netlify (hosting and serving the site)
Analytics providers such as Google Analytics

These partners are contractually required to protect your data and use it only for the services they provide to us.

We may also disclose information if required by law or to protect our rights.

4. Data Security

We use industry-standard measures to protect your data, including:

Encrypted connections (HTTPS)
Protected API endpoints
Strict separation of sensitive data from client-facing code
Secure storage practices and access controls
Zero storage of financial login credentials (all handled by Plaid)

No system is 100% secure, but we work hard to keep your data safe.

5. Your Rights and Choices

You may:

Access, update, or delete your account information
Request deletion of all stored data
Opt out of newsletters at any time
Decline cookies (but some features may not work properly)

For data deletion or privacy requests, contact us at support@efficientdollar.com.

6. Children’s Privacy

Efficient Dollar is not intended for children under 13.
We do not knowingly collect information from children under 13.

7. International Users

If you access Efficient Dollar from outside the United States, your data may be processed in the U.S. By using the service, you consent to this processing.

8. Changes to This Policy

We may update this Privacy Policy as new features are launched (including subscriptions and financial account integrations).
The “Last updated” date at the top will reflect any changes.

9. Contact Us

If you have questions about this Privacy Policy or your data, you can reach us at:

support@efficientdollar.com