Privacy Policy

1. Information we collect

Information you give us

Your name, email address, and sign-in details when you create an account; information you enter in Flor, such as accounts you add manually, goals, budgets, and preferences; and anything you send us, such as support requests and feedback.

Information from connected accounts

When you connect a financial institution through our provider Plaid, we receive information about the accounts you choose to share, such as account names and types, balances, transactions (up to two years of history), investment holdings, and loan details. We do not receive your account username or password.

Payment information

Payments are processed by Stripe. We do not see or store your full card number. We keep records of your subscription, such as its status and billing dates.

Waitlist and referral information

If you join the waitlist, we keep your email address, the date you joined, and your referral code. If you use a referral link, we record who referred you. To run referral rewards, we record whether a person you referred has made a payment and whether it was refunded or disputed. We never show you which person joined or paid.

Referral reward shipping

If you earn a physical referral reward, we ask for the name and US mailing address to ship it to, and a size if the item has one. We use this only to send that reward.

Device and usage information

When you use Flor, we and our providers automatically receive information such as your IP address, browser and device type, the pages you visit, and how you use the service.

2. How we use your information

• To provide and operate Flor and keep your account information up to date.
• To process your trial and subscription.
• To send you account, billing, and service emails and notifications.
• To respond to your requests and provide support.
• To keep Flor secure and prevent fraud and abuse.
• To understand how Flor is used and improve it.
• To comply with the law.

We do not sell your information, use it to show you ads, or share it with data brokers.

3. Connecting your accounts

Flor uses Plaid Inc. to connect to your financial institutions. When you connect an account, you sign in through Plaid or your institution, and your credentials are never shared with Flor. Flor receives read-only access to the information you choose to share. Your use of Plaid is also subject to the Plaid End User Privacy Policy.

4. Third-party technology providers

Flor uses third-party technology providers to run the service. Each receives only the information it needs for its purpose:

• Plaid, to connect your financial accounts.
• Stripe, to process payments.
• Providers for sign-in and account security, hosting and data storage, email delivery, analytics, error monitoring, fraud and bot protection, and making and shipping referral rewards.

Plaid and Stripe may also use information under their own privacy policies.

Other disclosures

We may also disclose information when you ask us to, when required by law, to protect the rights, safety, and security of Flor and our users, or as part of a merger, acquisition, or sale of assets. In that case we will notify you before your information becomes subject to a different privacy policy.

5. Cookies and analytics

We use cookies and similar technologies that Flor needs to work, such as keeping you signed in, and to understand how Flor is used. We do not use advertising cookies or track you across other websites. You can control cookies in your browser settings, but some are needed for Flor to work.

6. Data retention

We keep your information for as long as your account is open and as needed to provide Flor. When you disconnect a bank, you choose whether Flor keeps its accounts' past balances and transactions as closed accounts or deletes them. If you remove Flor's access at your bank or through Plaid, we delete that bank's data from Flor. When you delete your Flor account, or your trial or subscription ends and is not renewed, we delete your information after a grace period, generally 30 days, unless we need to keep it to comply with the law. If you create an account but never start a trial or subscription and then stop using Flor, we disconnect any banks you linked after 7 days and delete your account and information after 30 days. We delete a reward shipping address from Flor 30 days after the reward ships. Some information may remain for a limited time in backups, logs, and our providers' systems, including order records kept by the provider that ships a reward.

7. Security

We use industry-standard safeguards to protect your information, including encryption in transit and at rest and restricted access to our systems. No system is completely secure. If a breach affects your information, we will notify you as required by law.

8. Your rights and choices

• Access and correction. Update your information in Settings, or ask us for a copy of it or to correct it.
• Deletion. Delete your account in Settings, or ask us to delete your information.
• Connected accounts. Disconnect any account at any time.
• Emails. Choose which notification emails you receive in Settings. Account and billing emails are always sent.

Depending on where you live, you may have additional rights under state privacy laws, including California's, such as the right to know, access, correct, delete, or receive a copy of your information. We do not sell or share your information as those laws define it, and we will not treat you differently for exercising your rights. To make a request, email privacy@florfinance.com. We may need to verify your identity before we respond.

9. Children's privacy

Flor is intended for adults and not for anyone under 18. When you create an account, you confirm that you are 18 or older, and we keep a record of when you confirmed it. We do not knowingly collect personal information from anyone under 18. If you believe someone under 18 has given us their information, contact us and we will delete it.

10. Where your information is stored

Flor is offered only in the United States, and our database is located in the United States.

11. Changes to this policy

We may update this policy as Flor grows and as legal requirements change. When we make material changes, we will notify you in the app or by email.

12. Contact us

Questions about this policy? Email privacy@florfinance.com.