Privacy Policy

Bink ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and web application (collectively, the "Service").

1. Information We Collect

Account Information

When you create an account, we collect:

• Email address
• Password (encrypted and stored securely by Firebase Authentication)
• Authentication tokens if you sign in with Google or Apple

Financial Profile Data

To provide financial projections, we collect information you provide:

• Age
• Monthly contribution amount
• Annual spending amount
• Mortgage balance (optional)
• Cash reserves (optional)
• Return assumption preferences

Investment Account Data

If you choose to track your accounts, we store:

• Account names and types (401k, IRA, Roth IRA, Brokerage, HSA, Other)
• Account balances
• Balance history over time

Transaction Data

If you use our budgeting features, we collect:

• Transaction amounts and descriptions
• Categories and merchant information
• Natural language input text (e.g., "$20 coffee at Starbucks")

Life Events

You may optionally add future financial events:

• Event descriptions (e.g., "inheritance", "new roof")
• Amounts and timing

Advisor Conversations

If you use the AI advisor feature, we store:

• Your questions and the AI's responses
• Conversation history (last 20 messages per conversation)

2. How We Use Your Information

We use your information to:

• Provide the Service: Calculate your walk-away timeline, run scenarios, and display your financial status
• Process Natural Language: Parse transaction descriptions and respond to advisor queries
• Improve the Service: Understand usage patterns and fix issues
• Communicate: Send important updates about the Service (we do not send marketing emails unless you opt in)

3. Third-Party Services

We use trusted third-party services to provide Bink:

• Cloud Infrastructure: We use industry-standard cloud services for authentication, data storage, and hosting.
• AI Processing: We use AI services to process natural language inputs and provide advisor responses.
• Payment Processing: We use payment processors to manage subscriptions.

AI Data Processing

When you enter transactions using natural language or chat with the AI advisor, we send data to AI services for processing. This includes:

• Your transaction text (e.g., "$50 groceries at Whole Foods")
• Your financial profile summary (for advisor context)
• Recent conversation history

These services may retain data temporarily for abuse monitoring purposes.

4. Data Storage and Security

Your data is stored securely with the following measures:

• All data is encrypted in transit (TLS) and at rest
• Database access is restricted by user authentication
• Each user can only access their own data
• Passwords are hashed and never stored in plain text

5. Data Retention

We retain your data for as long as your account is active. You can request deletion at any time.

• Account data: Retained until you delete your account
• Financial data: Retained until you delete your account
• Conversation history: Last 20 messages per conversation retained

6. Your Rights

You have the right to:

• Access: Request a copy of your data
• Correction: Update inaccurate information
• Deletion: Delete your account and all associated data
• Portability: Export your data in a common format

To exercise these rights, contact us at the email below.

7. What We Don't Do

• We do not sell your personal information
• We do not share your data with advertisers
• We do not use your data for targeted advertising
• We do not collect location data
• We do not access your contacts or other device data

8. Children's Privacy

Bink is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have collected information from a child, please contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. For significant changes, we will provide additional notice (such as an in-app notification or email).

10. Contact Us

If you have questions about this Privacy Policy or your data, please contact us: