Privacy Policy for PeacefulMindfulPocket LLC

Last Updated: December 8, 2025

1. Introduction

Welcome to PeacefulMindfulPocket LLC ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, share, and protect your data when you use our web app.

2. Information We Collect

We collect the following types of personal information:

• - First and last name
• - Email address
• - Financial transaction data
• - Budgeting information (including budgets, templates, and transaction automation)
• - Session information via cookies

3. Financial Data Collection

Through our integration with Stripe Financial Connections, we collect:

• - Bank account transaction history
• - Account balances
• - Account type information

This data is used solely for providing our zero-based budgeting functionality and is stored securely in accordance with financial industry standards. We do not store debit/credit card data on our servers - this information is handled securely by Stripe.

4. How We Use Your Information

We use the collected information to:

• - Provide personalized budgeting services
• - Facilitate zero-based budgeting
• - Improve our services and user experience
• - Maintain the security of your account
• - Communicate important updates about our service

4.1 Cookies and Session Information

We use a single cookie to store a session ID, which is used to maintain your authenticated session on our website. This cookie is essential for the functioning of our service as it allows us to retrieve your session information from our server without requiring you to log in for each page you visit. We do not use cookies for tracking or advertising purposes.

5. Data Retention

We retain your personal information and transaction data for as long as your account is active or as needed to provide services. You can request deletion of your data at any time through our support channels.

6. International Data Transfers

PeacefulMindfulPocket is a service designed for United States customers only at this time. Your data is stored and processed within the United States. The only time your data may be accessed from outside the United States is when you, the account owner, access it from another country. We do not knowingly provide services to individuals outside the United States.

7. Data Security

We protect your data using industry-standard security measures including:

• - End-to-end encryption for data transmission
• - Secure database encryption at rest
• - Regular and ongoing security monitoring and improvements
• - Strict access controls and authentication requirements
• - Secure integrations with third-party providers

8. Account Closure

When you close your account, we will immediately delete or anonymize your data, except where we are required to retain it for legal or regulatory purposes.

9. Third-Party Service Providers

We use the following service providers:

• - Stripe: For payment processing and financial account connections. They receive banking credentials and debit/credit card information to provide their services.
• - Resend: Receives email addresses and necessary content to send transactional emails.
• - tawk.to: Provides our chat support functionality. Chat conversations may be reviewed to improve the bot experience, particularly for conversations where the bot was unable to provide adequate assistance. We may also use chat content to improve our services if the conversation contains relevant suggestions or feedback.
• - PostHog: Provides session replay functionality to help us understand how users interact with our application. We use this data to improve our service and user experience. Session replays may capture your interactions with our interface but exclude sensitive information such as passwords and payment details.
• - Google Meet: Used for screen sharing, voice, and video meetings with our support and coaching team.
• - Calendly: Used for scheduling and booking meetings. Receives your email address and selected meeting time preferences.

Each provider is contractually obligated to protect your data and use it only for specified purposes.

10. Data Breach Notification

In the event of a data breach that affects your personal information, we will notify you promptly in accordance with applicable laws and provide information about steps you can take to protect yourself.

11. Children's Privacy

We do not knowingly collect or solicit information from children under 13. If you are a parent or guardian and believe we may have collected information from a child under 13, please contact us immediately.

12. Your Privacy Rights

California Residents: Under the California Consumer Privacy Act (CCPA), you have the right to:

• Know what personal information we collect, use, and disclose
• Request a copy of any information we have about you
• Delete your account, which will permanently delete all of your personal information and associated data
• Opt-out of the sale of personal information (we do not sell your data)
• Non-discrimination for exercising these rights

All Users: Regardless of your location, you have the right to:

• Request a copy of any information we have about you
• Delete your account, which will permanently delete all of your personal information and associated data
• Update your account information at any time

We do not sell your personal data. Please note that we cannot selectively delete portions of your data while maintaining your account, as this may break core functionality. To exercise these rights or if you have questions, please contact us using the methods in Section 14.

All Users: You may update your account information or request account deletion at any time through your account settings or by contacting support.

13. Changes to This Privacy Policy

We update this Privacy Policy periodically. The date at the top of this policy indicates when it was last revised. We encourage you to review this policy periodically to stay informed about how we protect your information.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy:

• Chat: Available on our home page at peacefulmindfulpocket.com
• Email: help@peacefulmindfulpocket.com

15. Consent

By using our web app, you consent to the collection and use of your information as described in this Privacy Policy.