Privacy policy

Information we collect

When you create an account, we store information such as your email address, username, password hash, profile details, and preferences. We also store the financial information you enter, import, or connect: accounts, balances, debts, rates, transactions, bills, paydays, and planning settings.

Using Ask Noah creates conversation history and development logs. Joining the newsletter stores your email address and subscription details. Contacting us provides your name, email address, subject, and message so we can respond; a contact message does not subscribe you to marketing emails.

How we use information

We use this information to run your dashboard, calculate estimates, maintain your account, provide requested features, send service emails, respond to questions, and troubleshoot or improve NoahDebt. We collect usage counts, such as logins, stored chat messages, and bank syncs, to understand how the service is used.

Please don't put passwords, bank logins, full account numbers, or other sensitive details in chats or contact messages.

Bank connections and imports

Bank connections come with Pro after beta. When you connect a bank, Plaid handles the link. NoahDebt stores encrypted access tokens and the account and transaction data needed for connected features. We do not sell your financial data.

Hiding an account changes what appears in your dashboard; it does not disconnect the bank link or delete its data. Contact us if you need help removing a connection or stored information. Review imported and synced information because it may be incomplete or out of date.

AI conversations and development logs

OpenAI processes chat messages, relevant financial context, and tool results needed to generate Ask Noah replies. Statement imports may send statement contents to OpenAI for extraction. The public chat demo uses sample financial data, but the messages you type are still processed.

Authorized operators can review chatbot prompts and replies, model and usage details, response timing, tool activity, outcomes, and error categories to diagnose problems and improve the chatbot. This includes public demo chats. Development logs omit account snapshots and raw tool inputs and results, but message text can still contain information you choose to share.

Deleting a saved conversation from your account removes its linked development logs. Deleting your chat history doesn't remove demo logs or other logs that aren't tied to a saved conversation. Development logs don't expire on their own yet, so contact us if you want them removed.

Service providers and access

Vercel hosts NoahDebt and processes web requests. Supabase stores application data and uploaded profile images. OpenAI supports AI features, Plaid supports optional bank connections, and Resend sends service emails, invitations, password resets, newsletter confirmations, and contact form notifications. Contact messages also reach our support inbox. These providers process the information needed for their role.

Your account controls access to saved information. Household sharing can make information available to people in your household, depending on your settings. Authorized operators may access information when needed to provide support, investigate errors, or operate the service. Hosting and service providers may also process technical request information, such as IP addresses and error logs.

Cookies, device storage, and abuse prevention

Session cookies keep you signed in. Browser storage remembers preferences and cached application data. You can clear these through your browser, which may sign you out or reset local preferences. To stop repeat spam, the contact form briefly keeps a scrambled (hashed) version of your IP address. It doesn't store the IP address itself.

Retention and your choices

Saved account data stays available for ongoing use until it is removed. Some items, including saved conversations, can be deleted in the app. Other data, support emails, provider records, and backups may be kept for different lengths of time. Removing something from a page doesn't always remove every related record.

To request access, correction, deletion, or help with a bank connection, email hello@noahdebt.com. We may need to verify the request before acting. Email us if you want off the newsletter. Contact us if you need help exercising privacy rights available where you live.

Questions and changes

We may update this policy as the service changes and will revise the date on this page. For privacy questions, use our contact form or email hello@noahdebt.com.