Privacy Policy

Your privacy matters to us. This policy explains in plain language what information Payday Audit collects, how we use it, and the choices you have. We've kept this as straightforward as possible. No legal jargon.

Payday Audit is owned and operated by Takes A Village Financial Inc., an Alberta, Canada corporation. In this policy, "Payday Audit," "we," "us," and "our" refer to Takes A Village Financial Inc. and the Payday Audit service.

What information we collect

We collect only what we need to provide the service:

• Account information: Your email address when you sign up. This is how we identify you and let you log in.
• Budget data: The income, expenses, debt details, savings goals, and other financial figures you enter into the budgeting wizard. This is stored so you can come back to it later.
• Usage information: Basic information about how you interact with the app, such as when you last logged in. We do not track your browsing activity outside of Payday Audit.
• Billing information: If you choose a paid plan, we store limited billing records such as your plan, billing status, Stripe customer ID, Stripe subscription ID, and related timestamps.

Payday Audit does not store your full credit card number, bank account number, social insurance number, social security number, or any information that could be used to access your financial accounts. Payday Audit is a planning tool. It never connects to your bank or financial institutions.

Payment details are collected and processed by Stripe through Stripe-hosted checkout and billing portal pages. Stripe may process information such as your name, email, billing address, payment method details, transaction amount, purchase date, subscription status, invoice details, refund or chargeback information, and fraud-prevention signals.

How we use your information

Your information is used solely to make Payday Audit work for you:

• To let you create an account and log in securely
• To save your budgets so you can access them from any device
• To show you your budget history and summaries
• To send you important account-related emails (like password resets)
• To provide paid plan access, billing support, invoices, refunds, subscription changes, and cancellation records

That's it. We have no advertising, no data brokers, and no hidden revenue streams tied to your data.

What we don't do with your data

We want to be crystal clear about this:

• We do not sell your personal or financial data to anyone
• We do not share your data with third-party advertisers or marketers
• We do not use your financial data to build profiles for targeted advertising
• We do not allow any other users to see your budgets
• We do not use third-party analytics or tracking tools
• We do not store your full card number or payment credentials on our servers

How we protect your data

Your data is encrypted both when it's being transmitted (moving between your browser and our servers) and when it's stored. We use industry-standard security practices to keep your information safe, including:

• Encrypted connections (HTTPS) for all data in transit
• Encrypted storage for all data at rest
• Strict access controls that ensure only you can view your own budget data
• Secure authentication with password hashing; we never store your password in plain text

Cookies and local storage

Payday Audit uses a small number of cookies and browser storage to keep you logged in and to save your in-progress budget while you're working on it. Specifically:

• Authentication cookies: These keep you signed in so you don't have to enter your password on every page.
• Local storage: Your in-progress budget is temporarily saved in your browser so you don't lose your work if you refresh the page or close your tab.

We do not use tracking cookies or advertising cookies in Payday Audit. Stripe may use cookies or similar technologies on Stripe-hosted checkout and billing portal pages to process payments, prevent fraud, remember payment preferences, or support services such as Link. No one is following you around the internet because of Payday Audit.

Your choices and rights

You are in control of your data:

• Delete a budget: You can delete any individual budget from your dashboard at any time. It's removed permanently.
• Delete your account: You can request complete deletion of your account and all associated data by emailing us. We will process your request promptly and confirm when it's done.
• Export your data: You can export your budget as a PDF from the summary page.
• Access your data: If you'd like a copy of all the data we have associated with your account, contact us and we'll provide it.

Some billing, invoice, tax, accounting, fraud-prevention, and legal records may need to be retained after an account deletion request where required or permitted by law. When that happens, we retain only what is necessary for those purposes.

Children's privacy

Payday Audit is not intended for children under the age of 13 and we do not knowingly collect information from children. If you believe a child has created an account, please contact us and we will promptly delete it.

Third-party services

We use a small number of trusted services to run Payday Audit:

• Hosting: Our application is hosted on Vercel, a cloud platform for web applications.
• Database and authentication: We use Supabase to store your data and manage your login securely.
• Payments and billing: We use Stripe to process payments, manage subscriptions, provide invoices, support the billing portal, and help prevent payment fraud.

These providers have their own privacy policies and are bound by their own data protection obligations. We chose them specifically for their strong security track records.

You can learn more about Stripe's privacy practices in the Stripe Privacy Policy.

Changes to this policy

We may update this privacy policy from time to time. When we make changes, we'll update the "Last updated" date at the top of this page. For significant changes, we'll make reasonable efforts to notify you via email or a notice within the app.

Contact us

If you have any questions about this privacy policy, want to exercise your data rights, or just want to know more about how we handle your information, email us at hello@paydayaudit.app. We're real people and we're happy to help.