Privacy Policy

We collect the following types of information:

• Account information — email address and authentication credentials when you create an account
• Financial data — bank account balances, transaction history, recurring payments, and account metadata, accessed via read-only connections through Plaid
• Subscription data — payment information processed securely through Stripe for Pro subscriptions
• Usage data — anonymized analytics about how you interact with the app, collected via privacy-respecting analytics

We use Plaid Inc. to connect your bank accounts to our service. When you link a bank account, Plaid collects and provides us with financial data including account balances, transaction history, and account holder information.

By using Pockra, you acknowledge and agree that your data will be processed by Plaid in accordance with Plaid's End User Privacy Policy.

Pockra accesses your financial accounts through read-only access tokens. We cannot initiate transactions, transfers, or any modifications to your accounts.

Your financial data is used exclusively to:

• Calculate your Safe-to-Spend amount
• Detect and track recurring financial commitments (bills, subscriptions, loan payments)
• Provide transaction history and spending insights
• Send notifications about upcoming obligations

We do not use your financial data for advertising, marketing profiling, or any purpose unrelated to providing the Pockra service.

We do not sell, rent, or share your personal or financial information with third parties for their marketing or advertising purposes. Your data is shared only with service providers essential to operating Pockra (Plaid for banking data, Stripe for payment processing) and only to the extent necessary for those services.

We implement industry-standard security measures including:

• AES-256 encryption for data at rest
• TLS 1.3 for data in transit
• Read-only access tokens — we can never move your money
• Bank credentials never touch Pockra servers (handled entirely by Plaid)
• Regular security audits and vulnerability monitoring

We retain your financial data for as long as your account is active and as needed to provide our services. Transaction history is maintained to support accurate commitment detection and Safe-to-Spend calculations. If you delete your account, we will delete your personal and financial data within 30 days, except where retention is required by law.

You have the right to:

• Access your personal data we hold
• Delete your account and associated data
• Disconnect linked bank accounts at any time
• Export your data in a portable format
• Opt out of non-essential analytics

To exercise any of these rights, contact us at [email protected].

We use essential cookies required for the application to function and optional analytics cookies with your consent. You can manage your cookie preferences at any time through the Cookie Settings option in our footer.

We may update this Privacy Policy from time to time. We will notify you of material changes via email or in-app notification. Continued use of Pockra after changes constitutes acceptance of the updated policy.

For privacy-related questions or requests, contact us at [email protected].