Privacy Policy
What we collect
- Account: email, password hash, optional name and timezone.
- Bank data (Plaid sandbox until production is approved): linked account metadata, balances, and transactions needed to categorize spending, detect irregular bills, and build set-asides. We do not store bank login credentials; Plaid access tokens are encrypted at rest.
- Assets you add: vehicles, homes, pets (species, optional birth year), and related cost inputs (odometer, service history, home components, pet cost ranges).
- Health cost items only: item type (e.g. dental cleaning, eye exam, plan out-of-pocket), dollar ranges, optional dates/intervals, and labels you enter. We do not store medical conditions, diagnoses, or medications.
- Goals, budgets, alerts, and pay schedule you configure.
How we use data
- Power forecasts and per-paycheck set-aside ranges (low–high), alerts, budgets, and insights.
- Detect candidate irregular bills (including vet / dental / vision merchants) for you to confirm or dismiss.
- Improve reliability of matching and categorization. We do not sell your personal data.
Health data stance
Costvoyant’s health feature is a cost planner, not a health record. Only cost information is stored for health items. Do not enter conditions, diagnoses, or medication names into free-text labels if you want to keep those details out of the product.
Retention and deletion
- You can delete vehicles, homes, pets, health cost items, linked bank items, and your account; related rows cascade.
- Transaction history retained while the bank item is linked; disconnect/delete flows remove associated Plaid item data per product controls.
Waitlist
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When you join the waitlist, we collect your email address and the time you
signed up. We may also store a short source label (for example,
landing) so we know which form you used. - Cloudflare Turnstile checks that you are human. We send your IP to Turnstile for that check and do not store the IP or user agent in our waitlist database.
- Waitlist data is stored in Cloudflare D1 and used only to email you about launch.
- Email [email protected] to be removed from the waitlist.
What this site does today
This marketing site only runs the waitlist form above. Account, bank, asset, health, goals, budgets, alerts, and pay-schedule data described elsewhere in this policy apply when you use the Costvoyant app, not when you only visit this site.