Effective Date: May 10, 2026
Welcome to Debit Card Wrapped (“we,” “our,” or “us”). This Privacy Policy explains how Debit Card Wrapped collects, uses, stores, and protects your information when you use our mobile application (“App”).
By using the App, you agree to the practices described in this Privacy Policy.
1. Information We Collect
Financial Account Information
Debit Card Wrapped uses the Plaid API to securely access certain financial transaction data from your linked bank accounts or debit card accounts.
Through Plaid, we may access:
- Transaction history
- Merchant names
- Transaction dates
- Transaction amounts
- Spending categories
- Account balance information (if authorized)
We do not collect or store your bank login credentials directly. Authentication is handled securely by Plaid.
User-Provided Information
We may collect information you voluntarily provide, such as:
- Email address
- Username or display name
- Feedback or support requests
Device and Usage Information
We may automatically collect limited technical information, including:
- Device type
- Operating system
- App version
- Basic analytics and crash reports
2. How We Use Your Information
We use your information solely to provide and improve the App experience, including:
- Generating personalized yearly spending summaries
- Identifying spending trends and categories
- Creating entertaining insights and visualizations
- Improving app functionality and performance
- Providing customer support
- Preventing fraud or misuse of the App
We do not sell your financial data or personal information.
We do not use your transaction data for advertising purposes.
3. Data Sharing
We do not share, sell, rent, or trade your personal or financial data with third parties for marketing purposes.
We may share limited information only in the following circumstances:
- With service providers necessary to operate the App (such as Plaid or cloud hosting providers)
- If required by law, regulation, or legal process
- To protect the rights, safety, or security of our users or the App
4. Plaid Integration
Debit Card Wrapped uses Plaid to connect to your financial institution securely.
By linking your financial accounts, you also agree to Plaid’s privacy practices.
You can review Plaid’s Privacy Policy here:
5. Data Storage and Security
We take reasonable administrative, technical, and organizational measures to protect your information.
These measures may include:
- Encryption in transit
- Secure cloud infrastructure
- Access controls and authentication safeguards
However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.
6. Data Retention
We retain your information only as long as necessary to:
- Provide the App’s services
- Comply with legal obligations
- Resolve disputes
- Enforce agreements
You may request deletion of your account and associated data at any time by contacting us.
7. Your Rights and Choices
Depending on your location, you may have rights regarding your personal information, including:
- Accessing your data
- Correcting inaccurate information
- Requesting deletion of your data
- Revoking consent for data access
You may disconnect your linked financial accounts at any time through the App or through Plaid-supported account management tools.
8. Children’s Privacy
Debit Card Wrapped is not intended for children under 13 years of age, and we do not knowingly collect personal information from children.
If we learn that we have collected information from a child under 13, we will delete it promptly.
9. Third-Party Services
The App may rely on third-party services for hosting, analytics, authentication, or financial connectivity. These services may process information on our behalf under their own privacy policies and security practices.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time.
If we make material changes, we will update the “Effective Date” above and may notify users through the App or other appropriate means.
Continued use of the App after updates constitutes acceptance of the revised Privacy Policy.
11. Contact Us
If you have questions about this Privacy Policy or your data, you may contact us at:
Email: chris@topherpedersen.com
App: Debit Card Wrapped
12. California Privacy Rights
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected and the right to request deletion of your personal information.
Debit Card Wrapped does not sell personal information as defined under the CCPA.