Privacy Policy

Effective Date: September 17, 2026

Flowline Intelligence, LLC (“Flowline,” “we,” “us,” or “our”) provides software that helps households plan and understand their cash flow, track transactions and recurring activity, and compare their Flowline ledger with financial-account information.

This Privacy Policy explains what information we collect, how we use it, when we disclose it, and the choices available to you when you use Flowline.

1. Information We Collect

We collect information you provide to Flowline, information generated through your use of the service, and, when you choose to connect a financial institution, information received through our financial-data provider.

Account and household information

When you create or use a Flowline account, we may collect information such as:

• your name
• email address
• authentication and account identifiers
• household membership and role
• invitations you send or receive
• account and application settings

If you participate in a shared household, other members of that household may be able to view household financial information according to their permissions.

Subscription and entitlement information

If you purchase or receive a paid Flowline plan, we may receive and maintain information needed to determine your subscription entitlement, such as your plan status, billing source, the Flowline user associated with the purchase, and applicable subscription start or expiration dates. Payment and app-store providers process payment transactions under their own terms and privacy practices.

Financial information you enter

Flowline allows you to manually create and manage financial information, including:

• account names and balances
• income
• expenses
• transactions
• recurring bills and income
• categories
• planned transaction dates
• notes and descriptions
• cash-flow projections

This information is stored so that Flowline can provide your ledger, projections, recurring planning, and related features.

Information from connected financial institutions

If you choose to connect a bank or other supported financial institution, Flowline uses Plaid to establish that connection.

Depending on the features you use and the information made available by your institution, Flowline may receive information such as:

• financial institution name
• account name and type
• partial account number or account mask
• account balances
• transaction dates
• transaction amounts
• transaction descriptions or merchant information
• transaction status
• information about the freshness or status of your financial connection

Flowline does not receive or store your financial institution password.

Plaid may collect information directly from you during the bank-connection process. Plaid’s handling of that information is governed by Plaid’s own privacy practices.

Smart Import information

If you use Smart Import or another document- or image-assisted import feature, you may provide screenshots, images, or other information containing financial activity.

Flowline may process this information using third-party artificial intelligence or data-processing services in order to identify transaction details, payment schedules, merchants, amounts, dates, or similar information.

You control whether to submit this information to Smart Import.

Voice Assistant information

If you use Voice Assistant, you may provide a short spoken recording or typed text describing a transaction.

Flowline processes this information to transcribe speech and extract transaction details. Flowline does not save Voice Assistant recordings.

You control whether to submit this information to Voice Assistant, and you confirm a proposed transaction before it is added to your ledger.

AI-Powered Insights

If you use AI-powered Insights, Flowline may analyze selected household financial information, including transaction activity, recurring activity, spending patterns, cash-flow timing, and related derived information, to identify patterns or changes that may be useful to you.

Flowline may provide a limited set of information needed for this feature to an artificial intelligence service provider acting on our behalf. Flowline uses the resulting output to provide Insights within the Service.

AI-powered Insights are generated from the information available to Flowline and may not identify every relevant pattern or circumstance.

Cash-Flow Alerts and push notifications

If you enable Cash-Flow Alerts or other push notifications, Flowline may collect and store a device push-notification token, device platform information, your notification preferences, and information needed to determine whether an alert should be generated and delivered.

We may also maintain records about notification events and delivery attempts, such as whether a notification was sent, accepted, failed, or could not be delivered.

You can disable Cash-Flow Alerts in Flowline and can control notification permissions through your device settings.

App Lock and device authentication

If you enable App Lock, Flowline may use authentication capabilities provided by your device, such as Face ID, Touch ID, or your device passcode. Biometric authentication is performed by your device’s operating system. Flowline does not receive or store your facial or fingerprint biometric template.

Flowline stores device-local preferences needed to operate App Lock, such as whether App Lock is enabled and the lock timing you select.

Launch list and product communications

If you join the Flowline launch list, we collect your email address and may retain information such as the source of your signup, when you provided consent, and whether a confirmation email was sent.

We use this information to administer the launch list, provide launch access or product announcements you requested, and maintain appropriate records of your signup.

Usage, device, and technical information

We and our service providers may automatically collect limited technical information necessary to operate, secure, and improve Flowline, such as:

• browser or device type
• operating system
• application version
• IP address
• request and error logs
• authentication events
• security events
• feature usage
• performance information

We may also collect operational information about bank synchronization, refresh requests, connection status, and similar events needed to maintain the service and monitor usage and cost.

2. How We Use Information

We use information to:

• provide and operate Flowline
• maintain your household ledger
• calculate cash-flow projections
• display current and upcoming financial activity
• provide recurring transaction features
• display connected bank balances
• synchronize connected financial-account information
• provide Flowline Check
• identify bank activity that may be missing from your Flowline ledger
• suggest possible matches between bank activity and Flowline transactions
• process Smart Import submissions
• generate and provide AI-powered Insights
• provide Cash-Flow Alerts and push notifications
• administer the Flowline launch list
• manage subscription entitlements and paid-feature access
• support household collaboration
• authenticate users and protect accounts
• detect errors, misuse, fraud, or security threats
• maintain and improve the service
• communicate with you about your account or service-related matters
• comply with legal obligations

3. Flowline Check and Your Ledger

Flowline is designed so that your Flowline ledger remains under your control.

When you connect a financial institution, Flowline may compare bank activity with the transactions in your Flowline ledger.

Bank information may be used to identify:

• activity that appears to already be accounted for
• possible matches
• transactions that may be missing
• items that require your review

Connected bank data does not automatically create, modify, confirm, or delete transactions in your Flowline ledger solely because the bank reports activity.

Where Flowline suggests a change or identifies something for review, you decide whether and how to update your ledger.

4. Bank Data Updates and Balances

Connected financial-account information may be updated automatically when new information becomes available from your financial institution through Plaid.

Flowline may also allow you to request a more recent transaction update or bank balance.

The timing and freshness of financial information depend in part on your financial institution and Plaid. Bank balances and transaction information displayed in Flowline may not always reflect activity occurring at the financial institution in real time.

Flowline distinguishes between:

• your Flowline balance, which reflects your Flowline ledger and planning activity; and
• your bank balance, which reflects the most recently available balance obtained from your financial institution.

A bank balance does not automatically replace or overwrite your Flowline ledger balance.

5. How We Disclose Information

We may disclose information to service providers that help us operate Flowline.

These providers may support functions such as:

• cloud hosting and database infrastructure
• authentication
• financial-account connectivity
• email delivery
• artificial intelligence processing, including Smart Import and Insights
• push notification delivery
• subscription and payment processing
• application hosting
• security
• monitoring and error reporting

These providers may process information on our behalf only as necessary to provide their services to us and subject to their applicable agreements and privacy obligations.

Operators we currently use

Depending on how you use Flowline, those operators currently include:

• Vercel, which hosts the Flowline website and mobile API and may collect limited technical and performance information through Vercel Analytics and Speed Insights
• Supabase, which provides authentication and database infrastructure for your Flowline account and household data
• RevenueCat, which helps Flowline determine subscription entitlement for Flowline Plus
• Stripe, which may process web billing transactions when you purchase Flowline Plus on the web
• Apple, which may process App Store in-app purchases and related subscription records when you purchase Flowline Plus on iOS
• Plaid, when you choose to connect a financial institution
• an email delivery provider used to send launch-list and household-invite messages
• an artificial intelligence service provider used for Smart Import, Voice Assistant, and Insights

These names describe operators Flowline uses today. They are not a complete list of every subprocessor a provider may use, and they do not change the retention practices described below.

Plaid

When you connect a financial institution, Flowline uses Plaid to facilitate the connection and retrieve authorized financial information.

Plaid may receive information from you and your financial institution as part of providing its services.

Household members

If you join or create a Flowline household, financial and planning information associated with that household may be accessible to other authorized members of the same household.

You should only invite people you trust to a household containing financial information.

Legal and safety purposes

We may disclose information where reasonably necessary to:

• comply with law, regulation, subpoena, court order, or other legal process
• protect the rights, safety, or property of Flowline, our users, or others
• investigate fraud, abuse, security incidents, or unlawful activity
• enforce our agreements

Business transfers

If Flowline is involved in a merger, acquisition, financing, reorganization, sale of assets, or similar transaction, information may be transferred as part of that transaction, subject to applicable law.

6. We Do Not Sell Personal Information

Flowline does not sell your personal information.

Flowline also does not share personal information for cross-context behavioral advertising.

If our practices change in the future, we will update this Privacy Policy and provide any choices required by applicable law.

7. Data Retention

We retain information for as long as reasonably necessary to:

• provide Flowline
• maintain your account and household
• preserve records you choose to keep
• comply with legal obligations
• resolve disputes
• prevent fraud or abuse
• maintain security and operational records

Some operational, security, financial-connection, or audit information may be retained after other account information is deleted where reasonably necessary for legal, security, fraud-prevention, or accounting purposes.

When information is no longer required, we may delete or anonymize it in accordance with our retention practices.

8. Account and Household Deletion

Flowline may provide features that allow authorized users to remove accounts, disconnect financial institutions, leave or manage households, or delete a household.

Disconnecting a financial institution stops future synchronization through that connection but does not necessarily delete financial information that was previously added to or retained in your Flowline ledger.

Deleting a Flowline account, household, or related data may be subject to authorization, security, retention, and legal requirements.

You may also contact us at legal@flowlinebudget.com with a privacy or deletion request.

9. Security

We use administrative, technical, and organizational safeguards designed to protect information handled by Flowline.

These measures may include:

• encrypted network communications
• authentication controls
• access restrictions
• database authorization controls
• encryption of sensitive financial-connection credentials
• server-side handling of financial-access credentials
• monitoring and security controls

Plaid access tokens and other sensitive bank-connection credentials are handled server-side and are not intentionally exposed to the Flowline mobile application.

No method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security.

10. Your Privacy Choices

Depending on the features you use, you may be able to:

• update your account information
• edit or delete ledger information
• disconnect a financial institution
• remove or archive accounts
• manage household members
• revoke pending household invitations
• delete a household if you are authorized to do so
• choose whether to use Smart Import
• choose whether to connect a financial institution
• enable or disable Cash-Flow Alerts in Flowline
• control notification permissions through your device settings
• choose whether to enable App Lock

You may also contact us to request access, correction, deletion, or other privacy-related assistance.

Certain rights may vary based on your location.

11. State Privacy Rights

Residents of certain U.S. states may have additional rights under applicable privacy laws.

Depending on your state and subject to applicable exceptions, those rights may include the right to:

• know whether we process your personal information
• access personal information
• correct inaccurate personal information
• request deletion
• obtain a portable copy of certain information
• opt out of certain sales, sharing, or targeted advertising

Flowline does not currently sell personal information or use personal information for cross-context behavioral advertising.

You may submit a privacy request by contacting: legal@flowlinebudget.com

We may need to verify your identity before processing certain requests.

We will not discriminate against you for exercising rights provided by applicable privacy law.

12. Children’s Privacy

Flowline is not directed to children under 13, and we do not knowingly collect personal information directly from children under 13.

If we learn that we have collected personal information from a child under 13 in violation of applicable law, we will take appropriate steps to delete it.

13. Third-Party Services

Flowline may contain integrations with or links to third-party services.

Your use of those services may be subject to the third party’s own terms and privacy policies.

This Privacy Policy applies to Flowline’s handling of information and does not govern the independent practices of third parties.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time as Flowline changes or as legal requirements evolve.

If we make material changes, we may provide notice through the application, website, email, or another appropriate method.

The effective date at the top of this policy indicates when it was last revised.

15. Contact Us

If you have questions about this Privacy Policy, Flowline’s privacy practices, or a privacy request, contact: