Privacy Policy

Effective [Effective date]

Ordo ("we", "us") is a personal finance app operated by SEE Media LLC. This policy explains what we collect, why, who we share it with, and the choices you have. The short version: we use your information to run the app for you. We don't sell it, we don't use it for advertising, and we never see or store your bank passwords.

What we collect

Your account

Your email address and a password. Passwords are stored by our authentication provider in hashed form; we can't read them.

Numbers you enter

Accounts and balances, debts (balances, interest rates, limits, minimum payments), property and other assets, income and its type, expenses and their categories, goals, your pay-yourself-first percent and debt payoff order, the categories you choose for bank transactions, and the monthly snapshots you save.

Information from banks you connect

If you connect a bank, card, loan or investment account, we receive through Plaid:

• account names, types and the last 4 digits of account numbers;
• balances, and for cards and loans the limit, interest rate and payment amounts;
• for investment accounts, the total value of the account (we add up your holdings to get it; we don't keep the list of holdings);
• transactions: date, description, merchant, amount and category;
• the name of the institution and the status of the connection.

We never receive or store your bank username or password.

Your plan and billing

Your plan, its status and renewal date, and the customer and subscription IDs our payment processor, Stripe, gives us. When you start a paid plan, we give Stripe your email address and your account ID to create your billing record. Your card details go directly to Stripe. We never see or store your card number.

Ask Ava and Talk to Tobias

Ava and Tobias are Ordo's AI characters. We don't store your questions or the answers. We do record the time each question is asked, without its content, to enforce usage limits, and delete those records after two days.

Technical information

Cookies that keep you signed in, and server logs that record errors (error types and codes, not your financial data). We don't use advertising or analytics trackers.

How we use it

• to show your game plan, check-ins, plan and goals, and to sort transactions into categories;
• to answer your questions to Ava and Tobias;
• to run your subscription;
• to keep the service secure, prevent abuse and fix problems;
• to reply when you contact us, and to send account emails (for example, confirming your sign-up).

We don't sell your personal information, and we don't share it with anyone for their advertising.

Connecting your accounts with Plaid

We use Plaid Inc. ("Plaid") to gather your data from financial institutions. By using our service, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid End User Privacy Policy.

Ava, Tobias and our AI provider

To answer a question, we send it to Anthropic, the company that makes the Claude AI model, together with the earlier questions and answers in the same chat and a summary of your numbers: your totals, the names and figures of your accounts, debts, property, income, expenses and goals, your goal progress and debt payoff order, up to 12 months of net worth history, and this month's totals by category (plus a 3-month income average) from connected accounts. We don't send account numbers, the last 4 digits, or individual transactions. Anthropic processes this to produce the answer under its commercial terms, which don't allow it to train its models on this data. Anthropic may keep it for a limited time for safety and abuse monitoring.

Who else handles your information

We use these service providers, only to run the app:

• Supabase: our database and sign-in;
• Vercel: hosting the app;
• Plaid: connecting your financial accounts;
• Anthropic: the AI behind Ava and Tobias;
• Stripe: payments and subscriptions.

We don't share your financial information with any financial advisor. If you book a call with a licensed advisor, you choose what to share on that call. We may also disclose information if the law requires it, to protect our users or our rights, or as part of a merger or sale of the business (in which case this policy would continue to apply to it).

How we protect it

Data is encrypted in transit. The access tokens that let us read your bank data are encrypted at rest and never sent to your browser. Our database only lets each user read and change their own rows. No system is perfectly secure, but we work to protect your information and will notify you of a breach as the law requires.

How long we keep it, and deleting it

• We keep your information while your account is open.
• Disconnecting a bank revokes our access at Plaid and deletes that bank's transactions. Its accounts stay in your check-in with their last balances, as rows you can edit or delete.
• You can delete your account at any time under Your account, Delete my account. That immediately disconnects your banks at Plaid, cancels any paid plan, and deletes your sign-in and all your data from our database. Copies in our database backups are erased as those backups expire, within 30 days. Our providers' security logs (for example, sign-in records with your email address and IP address, and web server logs) expire on their own schedules. Stripe keeps its own billing records as the law requires.
• If you can't sign in, email sam.seemedia@gmail.com from the address you signed up with and we'll delete your account the same way within 30 days.

Your choices and rights

You can see and change your numbers in the app at any time. You can delete your account yourself in the app. You can ask us for a copy of your information, or ask us to correct or delete it, by emailing sam.seemedia@gmail.com. Depending on where you live, you may have more rights under state privacy laws; we'll honor them as those laws require, and we won't treat you differently for using them.

Children

Ordo is for adults 18 and over. We don't knowingly collect information from anyone younger.

Changes to this policy

If we change this policy, we'll update the date above. If a change is significant, we'll tell you by email or in the app before it takes effect.

Contact

SEE Media LLC, sam.seemedia@gmail.com