paylinea exists to protect people from the financial consequences of bad timing. We take your privacy as seriously as we take your financial wellbeing.
Mabintech LLC ("we," "our," or "us") operates paylinea, a personal finance app designed to help you never miss a payment and protect your credit. This policy explains how we collect, use, and protect your information.
1. Information We Collect
Information you provide
Account info: Email address and password when you sign up
Preferences: Notification settings and reminder preferences
Support requests: Any information you share when contacting us
Financial information via Plaid
When you connect your bank accounts, we use Plaid Inc. to securely access your financial data. By using paylinea, you authorize us and Plaid to retrieve:
Account names, types, and balances
Transaction history (date, amount, merchant, category)
We analyze your transaction data to detect patterns that help you:
Income patterns: When you typically get paid (weekly, biweekly, monthly)
Recurring bills: Subscriptions and regular payments
Spending habits: Daily averages and category breakdowns
Important: We detect these patterns solely to help time your reminders and calculate your safe-to-spend amount. We do not verify your income for third parties, and we do not make credit decisions based on this data.
Detect your income timing to send smarter reminders
Calculate your "Safe to Spend" amount
Send reminders timed to when you can actually pay
Alert you if an expected deposit doesn't arrive
Generate your financial health score
Show you where your money is going
Improve the app and fix issues
Respond when you reach out for help
Our purpose: Every piece of data we use is designed to help you never miss a payment and protect your credit. That's it. We don't use your data for advertising, and we never sell it.
3. How We Share Your Information
We don't sell your data. Ever.
We may share information only:
With Plaid: To connect and retrieve your bank data
Service providers: Email delivery (SendGrid), push notifications (Firebase)—only what's needed to deliver our service
When required by law: Court orders or legal requests
With your consent: When you explicitly approve
4. Security
We protect your information with:
TLS encryption for all data in transit
AES-256 encryption at rest for sensitive data
No storage of bank login credentials (handled by Plaid)
Multi-factor authentication on all systems
Regular security reviews and monitoring
Network segmentation and access controls
Data Location
Your data is processed and stored on servers located in the United States. By using paylinea, you consent to the transfer and processing of your information in the United States.
5. Data Retention
We keep your data while your account is active. You can delete your account anytime.
When you delete your account:
Personal data is removed within 30 days
Bank connections are immediately revoked
Transaction history is deleted
Some anonymized data may be retained for legal or security purposes
Response time: We will respond to verifiable requests within 45 days. If we need additional time (up to 45 more days), we will notify you of the reason and extension period.
7. California Residents
Under CCPA, you have the right to:
Know what data we collect and why
Request deletion of your data
Opt out of data sales (we don't sell your data)
Non-discrimination for exercising these rights
Categories of Personal Information We Collect
Category
Examples
Collected
Sold
Identifiers
Email address, device ID
Yes
No
Financial Information
Bank transactions, balances
Yes
No
Commercial Information
Transaction history, bill patterns
Yes
No
Internet/Network Activity
App usage, features used
Yes
No
Geolocation
Precise location
No
No
Biometric Information
Fingerprints, face data
No
No
Sensitive Personal Info
SSN, account passwords
No
No
We do not sell or share personal information for cross-context behavioral advertising.
8. Children
paylinea is for people 18 and older. We don't knowingly collect data from children.
9. Changes
We may update this policy. Material changes will be communicated through the app. Continued use means you accept the updates.