Privacy Policy

Our Commitments

1. Bank connect is optional. You can use PayAnchor with the pay schedule, bills, and checking balance you enter. On the website (payanchor.app), in the iPhone app, and in the Android app, you can also optionally connect a checking account through Plaid so Safe to Spend can use your live balance. Plaid handles the bank login. We never store your bank password, we do not import transactions, and we do not move money. You can disconnect anytime and go back to manual entry.
2. We do not sell data. We do not sell, rent, or share your personal information with third parties for marketing or advertising purposes.
3. Data is used for paycheck planning. Pay dates, bill amounts, due dates, and — if you connect a bank — live checking balances are used to show cushion and Safe to Spend.

What We Collect

We collect what you provide: email address, name, pay schedule, bills, the checking balance you enter, and optional settings (currency, cushion buffer). If you connect a bank on the website, iPhone app, or Android app, Plaid sends us account names, types (for example checking), and balances so we can update Safe to Spend. We do not receive your bank password. If you turn on notifications, we store a device push token. If you subscribe, Apple, Google, or Stripe send us enough billing status to keep Pro in sync — not your full card number.

Third-Party Services

PayAnchor uses the following third-party services to operate:

• Apple and Google: for In-App Purchases on the iPhone and Android apps. They process store billing. We never store your payment card details.
• Stripe: for payment processing on the website. Stripe handles web billing securely. We never store your payment card details.
• Plaid: for optional bank connection on the PayAnchor website, in the iPhone app, and in the Android app. Plaid authenticates you at your institution. We store an access token in a server vault — not your password — and request live balances for Safe to Spend. Disconnecting removes that connection from PayAnchor.
• Resend: for transactional emails (welcome, notifications, reminders). We only send emails you have opted into.
• PostHog: for product analytics in the apps and on the website (for example, whether onboarding was completed).

We do not use these services to sell or share your data.

Cookies and Analytics

PayAnchor uses cookies required for authentication and session management. The website also loads Google Analytics, the Meta Pixel, and the TikTok Pixel on public pages so we can measure marketing. The apps and website use PostHog for product analytics. We do not sell this data. The iPhone and Android apps do not use App Tracking Transparency or the advertising identifier for ads.

Data Security

Your data is encrypted in transit and at rest. Access to your data is restricted to you alone through secure authentication.

Changes to This Policy

We may update this policy from time to time. We will notify you of significant changes via email. Continued use of PayAnchor after changes means you accept the updated policy.

Account Deletion

You may delete your account at any time from Settings. When you do, we permanently remove your PayAnchor data — pay schedules, bills, profile information, and any bank connection we stored — from our systems. We do not keep backups of deleted accounts. Deleting your account does not cancel an App Store or Google Play subscription; cancel those in Apple or Google settings to stop billing.

Contact

Questions about this policy? Email us at support@payanchor.app.