Argify Privacy Policy

Effective Date: July 7, 2026

Welcome to Argify. Your privacy is important to us. This Privacy Policy explains how Argify (“Argify,” “we,” “our,” or “us”) collects, uses, stores, and protects your information when you use our website, applications, and related services.

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

This policy should be reviewed with qualified legal counsel before publication or production launch.

Information We Collect

When you create an account, we may collect:

  • Name
  • Email address
  • Password, which is stored as a one-way cryptographic hash. Argify does not store plaintext passwords.
  • Optional profile information

If you manually enter financial information, we may collect:

  • Account names
  • Account types
  • Transactions
  • Categories
  • Budgets
  • Notes you create

Financial Information

If you connect your financial institutions through a third-party provider such as Plaid, we may receive financial information depending on the features you use and the permissions you grant. This may include:

  • Account balances
  • Account metadata, such as account names, types, and masks
  • Transaction history
  • Transaction descriptions, dates, amounts, and categories
  • Institution information
  • Other financial data made available through your connection

We never receive your online banking password. Financial account connections are managed by trusted third-party providers using secure authentication.

When you connect a financial institution through Plaid or another connectivity provider, you authorize Argify to access, process, and store the financial data made available through that connection for the purpose of providing Argify’s budgeting, account tracking, transaction import, balance tracking, and related features.

You may disconnect a financial institution at any time. When you disconnect an institution, Argify will stop future access to that institution through Plaid, subject to any data retention described in this policy.

Payment Information

If you purchase a paid subscription, payment information is processed by our payment processor, such as Stripe. Argify does not store full credit card numbers. We may store subscription status, billing plan, payment processor customer identifiers, invoices, and related billing metadata.

Support Information

If you contact support, we may collect the contents of your messages, attachments you provide, related account information, and internal notes needed to respond to your request.

Automatically Collected Information

We may automatically collect:

  • IP address
  • Browser type
  • Device information
  • Operating system
  • Pages visited
  • Time spent using the service
  • Error logs
  • Diagnostic information

This information helps improve reliability, security, and performance.

How We Use Your Information

We use your information to:

  • Provide budgeting and financial analysis
  • Synchronize financial account data when you request it
  • Display spending insights
  • Generate reports and visualizations
  • Improve our products and features
  • Detect fraud and abuse
  • Respond to customer support requests
  • Process billing and subscriptions
  • Meet legal obligations

Artificial Intelligence Features

Argify may offer optional artificial intelligence features in the future. If enabled, these features may use your Argify data to provide summaries, insights, or answers about your financial activity. AI-generated responses are informational only and are not financial, legal, tax, or investment advice.

Users remain responsible for their financial decisions.

Third-Party Services

Argify relies on trusted third-party providers to deliver portions of the service. These providers may include services for:

  • Bank account connectivity
  • Payment processing
  • Cloud hosting
  • Authentication
  • Email delivery
  • Analytics
  • Error monitoring

Current or planned service providers may include:

  • Plaid for financial account connectivity
  • Stripe for payments
  • Resend or another provider for email delivery
  • Linode/Akamai for hosting and managed databases
  • Cloudflare for DNS, security, and network protection
  • GitHub for software development operations

We require service providers to use personal information only to provide services to Argify and not for their own unrelated purposes. Each provider has its own privacy practices.

Data Security

Protecting your information is extremely important to us. We use reasonable administrative, technical, and physical safeguards designed to protect your information, including:

  • Encryption in transit using HTTPS
  • Encryption of sensitive credentials
  • Secure authentication
  • Access controls
  • Routine software updates
  • Security monitoring

Although we work hard to protect your information, no system can guarantee absolute security.

Data Retention

We retain your information only as long as necessary to provide the service, comply with legal obligations, resolve disputes, enforce our agreements, maintain security, and operate our business.

You may request deletion of your account at any time. When you request account deletion, Argify will attempt to disconnect active financial institution connections, delete or anonymize account data, and remove personal identifiers where no longer needed. Some limited records may be retained for security, fraud prevention, legal compliance, backup integrity, dispute resolution, or financial recordkeeping.

Sharing Information

We do not sell your personal information. We do not use your financial account data for third-party targeted advertising.

We may share information only:

  • With service providers that help operate Argify
  • When required by law
  • To investigate fraud or abuse
  • During a merger, acquisition, or sale of assets
  • With your explicit permission

Your Choices

You may:

  • Update your account information
  • Disconnect linked financial institutions
  • Delete manually entered information
  • Request deletion of your account
  • Contact us regarding your privacy rights

Privacy Rights

Depending on where you live, you may have rights to access, correct, delete, or receive a copy of your personal information, or to object to certain processing. You may contact us to make a privacy request. We may need to verify your identity before completing the request.

Children’s Privacy

Argify is not intended for individuals under 18 years old. We do not knowingly collect personal information from children.

Changes to This Policy

We may update this Privacy Policy from time to time. When material changes occur, we will update the Effective Date and notify users when appropriate.

Contact Us

If you have questions regarding this Privacy Policy, please contact us through the contact information provided on the Argify website.