What the app collects, and why.

What we collect

Account information. Your email address, display name and sign-in method (email and password, Sign in with Apple, or Google). With Apple or Google, we receive only what they share, such as your email address and name, which for Apple can be a private relay address.

Information you give us. Optional details such as your age, monthly take-home pay, goals, budgets, the budget you assign to a transaction, assets you add by hand, crypto wallet public addresses (never private keys), feedback, and referral codes.

Financial data from your bank connections. When you link a bank, you sign in through Plaid’s secure window. BreadWinnr never sees or stores your bank username or password. Through Plaid we receive the institution name, account names and last four digits, balances, and transaction details such as date, amount, merchant, description and category. Connections are read only: we can look at your data and cannot move money.

Brokerage data. If you link a brokerage, our provider, SnapTrade, gives us account balances and holdings, also read only.

Things you add by hand. Cash purchases and other transactions you enter yourself (a name, amount, date and budget) are stored with your account under a “Cash” account that is not a bank connection.

Receipt photos. If you scan a receipt, you take a photo with the camera or choose one from your library. The photo is read on your phone to find the store, total and date, and is not saved by BreadWinnr or sent anywhere. We receive only the values you confirm and save. The camera permission is used only for this, and the photo picker shows the app only the photo you select.

Purchase and usage information. Whether you have a free trial or subscription, and first-party events about the upgrade flow. Purchases are handled by Apple, and we do not receive your payment card.

On-device AI. On iPhones with Apple Intelligence, some features (sorting transactions into budgets, answering questions about your spending, summaries, drafting a cancellation message, reading receipts) use Apple’s language model running on your device. Your questions, transactions and receipt text are processed on your phone and are not sent to BreadWinnr, Apple’s servers or any AI provider for these features. The app calculates every number itself; the model only sorts, words or summarizes, and its output is checked against your data before it is shown. Where the model is unavailable, these features fall back to plain, non-AI versions. AI output is not financial advice and can be wrong, and you review suggestions before they are applied.

Device information. Notification permission and local notification settings. If you turn on Face ID or Touch ID, the check happens on your device and we never receive your biometric data. A few preferences, such as which in-app reminders you dismissed, are stored on your device only.

We do not use third-party advertising or analytics SDKs, and we do not track you across other companies’ apps or websites.

How we use it

• To show your balances, transactions, budgets, net worth, spending trends and goals.
• To detect recurring charges, calculate “safe to spend”, and compute your financial health score.
• To sync and refresh your connected accounts.
• To run your trial or subscription and enforce plan limits, such as how many banks you can link.
• To send reminders and your weekly summary if you turn them on. The summary is written on your device and scheduled locally.
• To flag unusual charges, such as a possible double charge, using rules that run on your device.
• To keep the app secure, fix bugs and respond to support requests.

We do not sell your personal information, and we do not share it for advertising.

Who helps us

• Plaid connects your bank. It receives your bank sign-in in its own window and the data you authorize. Plaid’s handling is described in the Plaid End User Privacy Policy.
• SnapTrade connects brokerages and receives brokerage authorization and holdings data.
• Supabase provides the database, sign-in and server functions that store your data, encrypted in transit and at rest.
• Apple provides Sign in with Apple and App Store billing.
• RevenueCat keeps your subscription status, using your account id and purchase status.

These providers may use data only to provide their service to us. We may also disclose information if the law requires it or to protect rights and safety.

How long we keep it

We keep your data while your account is active. You can delete your account at any time in Settings. Deleting removes your profile, connections, accounts, transactions, budgets, goals and everything else tied to your account, and ends every bank connection at Plaid. Backups kept by our database provider are removed on its schedule.

If your trial or subscription ends, we disconnect your banks so no new data is collected, and we keep your saved history so you can still read it until you delete your account.

Security

Data is encrypted in transit and at rest. Bank access tokens are stored in a protected database area that the app itself cannot read, and each user can reach only their own rows. You can lock the app with Face ID or your device passcode, and you can add authenticator-app two-step protection to your account in Settings. No system is perfectly secure, but we work to protect your information. See the security overview.

Your choices and rights

• Access and correct your information in the app, or ask us for a copy.
• Delete your account and data in Settings, or email us.
• Disconnect any bank at any time (Banks, then Remove connection). You can also revoke access from your bank or in Plaid’s tools.
• Turn notifications off in Settings or in iOS.

Depending on where you live, you may have additional rights to know, delete and correct your data and to opt out of sale or sharing. We do not sell or share your data. To exercise a right, email support@breadwinnr.com.

Children

BreadWinnr is not for anyone under 18, and we do not knowingly collect their information.

Changes and contact

If we change this policy in a meaningful way, we will update the date above and tell you in the app. Questions: support@breadwinnr.com or contact BreadWinnr.