Privacy Policy

1. Introduction

Welcome to Portable ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial management platform designed for gig workers.

By using Portable, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our service.

2. Information We Collect

2.1 Information You Provide

• Account Information: Name, email address, phone number, and password when you create an account
• Profile Information: Optional information you choose to provide to personalize your experience
• Communication Data: Information you provide when contacting customer support or providing feedback

2.2 Financial Information

• Bank Account Data: We use Plaid Technologies, Inc. to connect your bank accounts. We receive transaction data, account balances, and account details
• Transaction Information: Details of your income and expenses, including dates, amounts, descriptions, and merchant information
• Income Sources: Information about the platforms you work with (Uber, DoorDash, Upwork, etc.)

2.3 Automatically Collected Information

• Usage Data: Information about how you interact with our service, including pages viewed, features used, and time spent
• Device Information: Device type, operating system, browser type, IP address, and unique device identifiers
• Log Data: Server logs that may include IP address, access times, and app crashes

3. How We Use Your Information

We use your information to:

• Provide and maintain our financial management services
• Analyze your income patterns and provide personalized insights
• Calculate tax estimates and financial health scores
• Send you important updates, security alerts, and support messages
• Improve our service through analytics and user research
• Detect and prevent fraud, security breaches, and other harmful activities
• Comply with legal obligations and enforce our terms of service
• Provide customer support and respond to your inquiries

4. Data Security

We implement industry-standard security measures to protect your information:

• Encryption: All data is encrypted in transit using TLS 1.3 and at rest using AES-256
• Bank-Level Security: We partner with Plaid, which uses bank-level security protocols
• Access Controls: Strict internal access controls and authentication requirements
• Regular Audits: Regular security audits and penetration testing
• Secure Infrastructure: Data stored on SOC 2 Type II certified cloud infrastructure (Supabase)

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

5. Information Sharing and Disclosure

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

5.1 Service Providers

• Plaid: For secure bank account connection and transaction data retrieval
• Supabase: For database hosting and authentication services
• Vercel: For application hosting and delivery
• Email Services: For sending transactional emails and notifications

5.2 Legal Requirements

We may disclose your information if required by law, court order, or government request, or to:

• Comply with legal obligations
• Protect our rights, privacy, safety, or property
• Investigate potential violations of our terms
• Protect against legal liability

5.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred. We will notify you before your information becomes subject to a different privacy policy.

6. Your Privacy Rights

Depending on your location, you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Portability: Request a copy of your data in a machine-readable format
• Objection: Object to processing of your personal information
• Withdrawal: Withdraw consent at any time (where processing is based on consent)

To exercise these rights, contact us at privacy@portable.app

7. Data Retention

We retain your information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations (e.g., tax records, financial regulations)
• Resolve disputes and enforce our agreements

When you close your account, we will delete or anonymize your personal information within 90 days, except where we must retain it for legal compliance.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Maintain your session and keep you logged in
• Remember your preferences and settings
• Analyze usage patterns and improve our service
• Provide security features and fraud detection

You can control cookies through your browser settings, but some features may not function properly if you disable cookies.

9. Children's Privacy

Portable is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child under 18, please contact us immediately and we will delete that information.

10. International Data Transfers

Your information may be transferred to and maintained on servers located outside of your state, province, or country. By using Portable, you consent to the transfer of information to the United States and other countries where our service providers operate.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date. Continued use of Portable after changes become effective constitutes acceptance of the updated policy.

12. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us:

• Email: privacy@portable.app
• Address: Portable Financial Ltd., 123 Tech Square, San Francisco, CA 94105