Privacy Policy

Overview

Serfin Inc. ("Serfin," "we," "our," or "us") operates the Serfin mobile application and related services. This Privacy Policy describes how we collect, use, and protect information about you when you use our services.

By using Serfin, you agree to the practices described in this policy. If you do not agree, please discontinue use of the app.

Information We Collect

We collect information you provide directly and information generated by your use of the service:

• Account information. When you create an account, we collect your name and email address as provided through Sign in with Apple or email authentication.
• Financial data. With your explicit consent, we access financial account information (balances, transactions, account details) through our integration with Plaid Technologies, Inc. We do not store your banking credentials.
• Usage data. We collect information about how you interact with the app, including features used, actions taken, and session activity.
• Device information. We collect device identifiers and push notification tokens to deliver alerts and maintain the service.
• Communications. If you contact us for support, we retain those communications to resolve your inquiry.

How We Use Your Information

• To provide, operate, and improve the Serfin service
• To analyze your financial data and surface relevant insights and actions
• To send push notifications and alerts relevant to your accounts
• To authenticate your identity and secure your account
• To respond to support requests and communicate service updates
• To comply with legal obligations and enforce our terms

How We Share Your Information

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

• Service providers. We work with third-party vendors who process data on our behalf to provide the service (e.g., cloud infrastructure, financial data connectivity, analytics). These parties are contractually obligated to protect your data and use it only to provide services to us.
• Legal requirements. We may disclose information if required by law, court order, or to protect the safety or rights of Serfin, our users, or the public.
• Business transfers. In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

Financial Data and Plaid

Serfin uses Plaid Technologies, Inc. to connect to your financial institutions. By connecting your accounts, you also agree to Plaid's End User Privacy Policy. Plaid's data practices are governed by their own terms. We access only the account and transaction data necessary to provide the Serfin service: account details (institution, type, name, mask), balances, and transaction history.

You may disconnect your financial accounts at any time through the app. Upon disconnection, we cease ongoing data access through that connection.

What Serfin does not do with your financial data. We do not move money or initiate ACH transfers through Plaid. We do not use your financial data for credit decisions, insurance underwriting, loan underwriting, employment screening, debt collection, or marketing to third parties. We do not sell, rent, or trade your financial data.

Data Retention

We retain your data for as long as your account is active or as needed to provide the service. You may request deletion of your account and associated data at any time by contacting us at support@serfin.app. We will process deletion requests within 30 days, subject to legal retention requirements.

Security

We implement industry-standard security measures including encryption in transit and at rest, access controls, and regular security reviews. No method of transmission or storage is 100% secure. We encourage you to use a strong password and keep your device secure.

Children's Privacy

Serfin is not directed to individuals under 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us information, please contact us and we will delete it.

Your Rights

Depending on your jurisdiction, you may have rights to access, correct, or delete your personal information, or to object to or restrict certain processing. To exercise these rights, contact us at support@serfin.app.

Changes to This Policy

We may update this policy from time to time. We will notify you of material changes via the app or by email. Continued use of the service after updates constitutes acceptance of the revised policy.

Contact

Questions about this policy? Reach us at support@serfin.app.