Privacy Policy

Effective Date: December 3, 2025
Last Updated: December 3, 2025

Cinder Coach LLC (“Cinder,” “Company,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use the Cinder mobile application, website (including www.joincinder.com), and related services (collectively, the “Services”).

By using the Services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We collect the following types of information:

A. Information You Provide Directly

When you create an account or interact with Cinder, we may collect:

  • Name (if provided)

  • Email address

  • Login credentials (encrypted)

  • Communications you send to us

  • Preferences and account settings

B. Financial Information (Via Plaid)

If you choose to link a financial account, we use Plaid Inc. to facilitate secure access.

Through Plaid, we may receive:

  • Account balances

  • Transaction history

  • Account type and mask (e.g., ••••1234)

  • Financial institution name

  • Recurring payment information

  • Income insights (if applicable)

Important:

  • We do not receive or store your bank login credentials.

  • Bank credentials are handled securely by Plaid.

  • Plaid’s use of your data is governed by Plaid’s Privacy Policy.

Plaid may collect and process data according to its own privacy practices. You can learn more at: https://plaid.com/legal/

C. Automatically Collected Information

When you use our Services, we may automatically collect:

  • Device information (device type, OS version)

  • App usage analytics

  • Log data (IP address, timestamps, crash logs)

  • Cookies (on website)

We use this information to improve performance and security.

2. How We Use Your Information

We use your information to:

  • Provide and maintain the Services

  • Calculate safe-to-spend projections

  • Generate confidence scores

  • Display bill and transaction insights

  • Improve functionality and user experience

  • Communicate with you

  • Protect against fraud and abuse

  • Comply with legal obligations

We do not sell your personal financial information.

3. How We Share Information

We may share information only in the following circumstances:

A. Service Providers

We share data with trusted third-party providers such as:

  • Plaid (financial data access)

  • Cloud hosting providers

  • Analytics providers

  • Authentication providers (e.g., Firebase)

These providers may only use information to perform services on our behalf.

B. Legal Compliance

We may disclose information if required to:

  • Comply with applicable law

  • Respond to lawful requests

  • Protect rights, safety, or property

C. Business Transfers

If Cinder Coach LLC is involved in a merger, acquisition, or asset sale, your data may be transferred as part of that transaction.

4. Data Security

We implement reasonable administrative, technical, and organizational safeguards to protect your information.

These include:

  • Encrypted data transmission (HTTPS/TLS)

  • Secure authentication systems

  • Limited access controls

  • Encrypted tokens for financial integrations

However, no system is 100% secure. We cannot guarantee absolute security.

5. Data Retention

We retain personal data only as long as necessary to:

  • Provide the Services

  • Comply with legal obligations

  • Resolve disputes

  • Enforce agreements

If you delete your account, we will delete or anonymize your data, subject to legal requirements.

6. Your Rights and Choices

Depending on your jurisdiction, you may have rights to:

  • Access your personal data

  • Correct inaccurate data

  • Request deletion

  • Withdraw consent

  • Request data portability

To exercise these rights, contact:

support@joincinder.com

7. Plaid-Specific Privacy Disclosure

When you connect a financial account via Plaid:

  • Plaid collects your information directly from your financial institution.

  • Plaid may use your data for fraud prevention and service improvement.

  • Cinder only receives the financial data necessary to provide its features.

  • You may disconnect your financial account at any time within the app.

For more information about Plaid’s privacy practices, visit:

https://plaid.com/legal/

8. Children’s Privacy

Cinder is not intended for individuals under 18 years of age.

We do not knowingly collect personal information from children.

9. International Users

If you access the Services from outside the United States, your information may be transferred to and processed in the United States.

By using the Services, you consent to this transfer.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically.

We will revise the “Last Updated” date accordingly. Continued use of the Services constitutes acceptance of any updates.