Legal

Privacy Policy

Your privacy is important to us. This policy explains how Willie LLC collects, uses, stores, shares, and protects your information when you use Willo Money.

Last updated

On this page

  1. Introduction
  2. Information we collect
  3. How we use your information
  4. How we share your information
  5. Data retention and deletion
  6. Security
  7. Your rights and choices
  8. Children’s privacy
  9. Changes to this policy
  10. Contact us

  1. Introduction

    Willie LLC (“we,” “us,” or “our”) operates the Willo Money personal finance application and website available at willomoney.com (the “Service”). This Privacy Policy explains how we collect, use, store, share, and protect your information when you use the Service.

    We are committed to transparency and giving you control over your data. By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.

  2. Information We Collect

    We collect only the information necessary to provide and improve the Service.

    Information you provide directly

    • Account information. Email address and authentication credentials (for example, a password or passwordless login data) when you create an account.
    • Security settings. If you enable two-factor authentication, we store the authenticator data needed to verify you (such as a TOTP secret or WebAuthn/passkey credentials).
    • Communications. Information you include when you contact us, for example via hello@willie.dev.

    Information collected via Plaid

    When you connect financial accounts through Plaid, we receive certain information from Plaid—with your explicit consent—so we can display your accounts, sync transactions, and sort activity into budget buckets. Depending on the accounts you link, this may include:

    • Institution details such as the institution name and Plaid institution identifier.
    • Account details such as account name, official name, last four digits (mask), type, subtype, currency, and current or available balances.
    • Transaction history such as amount, date, merchant or description, pending status, payment channel, and Plaid category metadata.
    • Connection metadata such as a Plaid Item identifier, encrypted access token, and sync cursor so we can keep your data up to date.

    Important

    • We never receive or store your bank login credentials (username and password). Those remain with your financial institution or Plaid, depending on the connection method.
    • Access through Plaid is read-only. We cannot initiate transfers, payments, or any movement of money from your accounts.
    • You can disconnect any linked account at any time, or request deletion of your Willo Money account.

    Technical information and cookies

    We collect technical information necessary for the Service to function securely and reliably, such as session data, authentication tokens, and limited device information used for sign-in.

    We use only essential cookies and similar technologies required to keep you signed in, protect against cross-site request forgery, and operate the Service. We do not collect analytics data, advertising identifiers, or detailed device fingerprints beyond what is required for authentication and core functionality.

    When you connect an account, Plaid’s Link interface may collect information as described in Plaid’s End User Privacy Policy.

  3. How We Use Your Information

    We use the information we collect solely to:

    • Provide, operate, and maintain the Service, including syncing and displaying your financial data and derived insights such as budget buckets
    • Authenticate you and secure your account
    • Respond to your requests and provide customer support
    • Detect, prevent, and address technical issues, fraud, or security incidents
    • Comply with applicable legal obligations

    We do not use your financial data for advertising, marketing, or selling products or services to third parties.

  4. How We Share Your Information

    We do not sell, rent, or trade your personal or financial information.

    We share information only in the following limited circumstances:

    • Plaid. We use Plaid to facilitate secure connections to your financial institutions. Plaid’s role and data practices are described in Plaid’s End User Privacy Policy.
    • Service providers. We use trusted infrastructure providers (currently Heroku) that process data on our behalf solely to host and operate the Service. These providers are contractually required to protect your data and may not use it for their own purposes.
    • Legal requirements. We may disclose information if required by law, regulation, legal process, or governmental request, or to protect the rights, property, or safety of Willie LLC, our users, or others.
    • Business transfers. In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to the same privacy commitments.

    We do not share your individual transaction data or personal information with advertisers or data brokers.

  5. Data Retention and Deletion

    • We retain your account information and linked financial data for as long as your account remains active.
    • You may disconnect individual linked financial accounts in the Service without deleting your entire Willo Money account.
    • You may request deletion of your account at any time by contacting us at hello@willie.dev. Upon deletion, we perform an immediate hard delete of all associated data (account records, Plaid Item, Account, and Transaction data, derived insights, and email association). We do not retain copies after deletion, subject only to any short-term technical backups required for system integrity, which are then purged.

    If you have questions about deletion, contact us at hello@willie.dev.

  6. Security

    We take the security of your information seriously. Measures include:

    • Encryption of financial data at rest
    • Encryption in transit (HTTPS / TLS 1.2+)
    • Encrypted storage of Plaid access tokens
    • Multi-factor authentication available for user accounts, and required for administrative access
    • Access limited to the minimum necessary to operate the Service

    No method of transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

  7. Your Rights and Choices

    Depending on your location, you may have rights regarding your personal information, including the right to:

    • Access the personal information we hold about you
    • Request correction of inaccurate information
    • Request deletion of your account and associated data
    • Withdraw consent for data processing by disconnecting accounts or requesting deletion of your account

    To exercise these rights, disconnect linked accounts in the Service or contact us at hello@willie.dev. We will respond within a reasonable timeframe.

    California residents. We do not sell personal information. You may have additional rights under the California Consumer Privacy Act (CCPA/CPRA). Contact us to exercise them.

    Where we store data. The Service is hosted in the United States. If you use the Service from outside the United States, you understand that your information may be transferred to, stored, and processed in the United States.

  8. Children’s Privacy

    The Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will delete it promptly.

  9. Changes to This Privacy Policy

    We may update this Privacy Policy from time to time. We will post the updated version on this page and update the “Last Updated” date. Material changes will be communicated through the Service or by email when appropriate. Your continued use of the Service after changes become effective constitutes acceptance of the revised Policy.

  10. Contact Us

    If you have any questions about this Privacy Policy or our data practices, please contact us:

    Willie LLC 2950 N Recker Road #3059, Mesa, Arizona 85215 Email: hello@willie.dev Website: willomoney.com

This Privacy Policy is designed to be clear and transparent about how Willie LLC handles your information in connection with the Willo Money application.