Privacy Policy

This Privacy Policy describes how Alto ("we", "us", or "Alto") collects, uses, and shares information when you use altobudgeting.com and the Alto applications (the "Service").

1. Information We Collect

Account information. When you create an account, we collect your name, email address, and (if you set one) a password hashed with bcrypt. If you sign in with Google, we receive your name, email, and profile image from Google.

Budget and financial data. Alto stores the accounts, transactions, categories, savings goals, and budget settings you create or import. If you connect a bank through Plaid, we store an access token from Plaid that lets us pull your transactions and balances on your behalf. We do not store your bank login credentials.

Payment information. Subscription payments are processed by Stripe. We never see or store your full card number; we store only a Stripe customer ID, subscription status, and billing period dates.

Usage and analytics. We use PostHog to understand how the Service is used. This includes page views, feature interactions, error reports, and a unique identifier tied to your account.

2. How We Use Information

We use the information we collect to provide and improve the Service, authenticate you, sync your bank data through Plaid, process subscription payments through Stripe, prevent fraud, respond to support requests, and communicate with you about your account.

3. How We Share Information

We do not sell your personal information. We share information with the third-party providers that power Alto:

• Plaid — for bank connections and transaction sync.
• Stripe — for subscription billing.
• Google — for Google sign-in (only if you choose to use it).
• PostHog — for product analytics and error monitoring.
• Vercel and MongoDB Atlas — for hosting and database services.

We may also share information when required by law, to enforce our terms, or to protect the rights, safety, or property of Alto or others.

4. Your Choices

You can update your account information, disconnect linked banks, cancel your subscription, or delete your account at any time from the Settings page. Deleting your account removes your data from Alto's active database, revokes any connected Plaid tokens, and cancels your Stripe subscription.

5. Data Retention

We retain your information for as long as your account is active. After account deletion, residual copies may remain in backups for a limited period before being permanently removed.

6. Security

We use industry-standard practices to protect your information, including encryption in transit, hashed passwords, and access controls. No system is perfectly secure; if you believe your account has been compromised, contact us immediately.

7. Children

Alto is not intended for children under 13. We do not knowingly collect information from children under 13.

8. Changes

We may update this Privacy Policy from time to time. We will post the updated version with a new "Last updated" date. Material changes will be communicated through the Service.

9. Contact

Questions about this policy can be sent to hello@altobudgeting.com.