Privacy Policy

We do not sell your personal information. We may share your information in the following circumstances:

• Service Providers: We share data with third-party vendors who perform services on our behalf, such as payment processing, data aggregation, cloud hosting, affiliate attribution and program administration, managed payouts, analytics, AI/LLM inference, and operational tracing. These providers are contractually obligated to use your data only for the purposes we specify and to maintain appropriate security measures.
• Affiliate Platform: We use Dub to host affiliate applications and dashboards and complete identity, tax, and payout onboarding. Dub also manages referral links and attribution, records commissions, and facilitates managed payouts. Dub may process affiliate information for those purposes under its own terms and privacy notice.
• Financial Data Providers: When you link a financial account, your authorization is shared with our data aggregation partner to retrieve your financial data. Their use of your data is governed by their own privacy policy.
• Legal Requirements: We may disclose your information if required to do so by law, regulation, legal process, or governmental request, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business Transfers: In the event of a merger, acquisition, bankruptcy, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.

Zowda’s assistant and Pulse insights are powered by third-party AI providers. We use Anthropic and OpenAI for AI inference, and Langfuse for operational monitoring and tracing.

When you use AI-powered features, we may send these providers the information needed to generate assistant responses and financial insights, including chat messages, linked account names and balances, transaction details such as date, amount, merchant, and category, budget and income summaries, and recent conversation history. This information is collected from your chat input and from linked financial accounts retrieved through our data aggregation provider.

We do not send your name, email address, sign-in credentials, or bank login details to our AI providers. Financial data shared with these providers is associated with a random account identifier rather than your name.

We use this AI processing only to generate assistant responses, create Pulse insights, and monitor and troubleshoot the Service. We do not use this data for advertising. Our AI and tracing providers are contractually bound to protections at least as protective as ours, and they do not use this data for advertising or to train their models.

Zowda obtains your in-app consent before sending personal data to these AI providers. You may withdraw that consent by contacting us at privacy@zowda.com .

We retain your personal information for as long as your account is active or as needed to provide you with the Service. If you delete your account, we will delete or anonymize your personal data within 90 days, except where we are required to retain it for legal, regulatory, or legitimate business purposes (such as resolving disputes or enforcing our agreements). Aggregated, anonymized data that cannot be used to identify you may be retained indefinitely.

For the affiliate program, we ordinarily delete or irreversibly deidentify non-converting attribution data and terminal raw event and application logs within 90 days. We ordinarily delete unnecessary application and routine support detail within two years after closure, identifiable privacy-request logs within three years after closure, and obsolete Zowda-controlled backup copies within a rolling 90-day lifecycle. We retain minimized Affiliate Terms acceptances, eligibility, converted-attribution, commission, adjustment, payout, tax-status, sanctions, and enforcement records for as long as reasonably necessary to administer and audit the program, calculate and reconcile payments, prevent and investigate fraud, enforce agreements, resolve disputes, comply with legal obligations, and preserve financial and compliance history. Those minimized records have no fixed deletion date while a documented purpose continues. We remove unnecessary raw or directly identifying fields and honor applicable privacy rights. Law, a scoped legal hold, security risk, provider obligations, or material cost and capacity risk may require a longer or shorter period. Sanctions records remain subject to any mandatory minimum period. An opaque, hashed, or pseudonymous identifier is not anonymous while Zowda or a provider can relink it.

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you.
• Correct inaccurate or incomplete personal information.
• Delete your personal information, subject to certain exceptions.
• Export your data in a portable format.
• Opt out of certain data processing activities.

To exercise any of these rights, please contact us at privacy@zowda.com . We will respond to your request within 30 days, or as otherwise required by applicable law. We will not discriminate against you for exercising your privacy rights.

We use cookies and similar technologies to maintain your session, remember your preferences, understand how you use the Service, and attribute an eligible affiliate referral. Mobile attribution may also use an app link and the Google Play Install Referrer. The types of cookies and similar technologies we use include:

• Essential cookies: Required for the Service to function, such as authentication and session management.
• Analytics cookies: Help us understand usage patterns so we can improve the Service.
• Affiliate attribution: Records an eligible referral click so a later subscription can be attributed within the program’s 30-day attribution window and an available customer discount can be applied. We use this as first-party referral functionality, not for cross-context behavioral advertising.

You can control cookies through your browser settings and any choices we make available. Disabling an affiliate attribution technology may prevent referral credit or an affiliate discount; disabling essential cookies may prevent certain features from functioning properly.