Legal

Privacy Policy

1. Who we are

FiDi LLC, a Wyoming limited liability company (“FiDi”, “we”, “us”) provides a personal wealth-management and financial-independence tracking application. This policy explains what we collect, why, and the choices you have. It applies to our website at f1di.com and to the FiDi mobile application.

2. Information we collect

Information you give us

• Account details — name, email address, password hash, and household members you choose to invite.
• Goals and inputs — target retirement number, savings targets, manually added assets and liabilities, and any notes you enter.
• Support correspondence — messages you send us and their contents.

Financial account information (via Plaid)

When you link a financial institution, we use Plaid Inc. to establish that connection. You enter your institution credentials directly with Plaid; FiDi never receives, sees, or stores them. Plaid returns to us, on your authorization:

• Account identifiers, account type, institution name, and masked account numbers;
• Balances and holdings;
• Transaction history, including amounts, dates, merchant and category;
• Account-holder name and contact details as held by your institution, used for identity matching.

Your use of Plaid is additionally governed by the Plaid End User Privacy Policy. You authorize FiDi and Plaid to retrieve this data on your behalf, and you may revoke that authorization at any time.

Information collected automatically

• Device and usage data — device model, OS version, app version, IP address, crash logs, and in-app events used to diagnose problems and improve the product.
• Cookies — our website uses strictly necessary cookies and basic, aggregated analytics. We do not run advertising cookies or cross-site trackers.

3. How we use information

• To provide the service: display balances, compute net worth, categorize spending, and generate financial-independence projections.
• To keep your account secure: authenticate you, detect fraud and abuse, and maintain audit logs.
• To support you: answer questions and resolve issues you report.
• To improve the product: understand which features are used, in aggregated or de-identified form wherever practical.
• To meet legal obligations: comply with applicable law, lawful requests, and our own recordkeeping duties.

We do not sell or share your personal information for cross-context behavioral advertising, and we do not use your transaction data to target ads.

4. How we share information

We share personal information only with:

• Service providers acting on our instructions under contract — data aggregation (Plaid), cloud hosting, error monitoring, email delivery, and customer support tooling.
• Household members you invite, limited to the accounts and figures you choose to share with them.
• Legal and safety recipients, when required by law or necessary to protect rights, safety, or the integrity of the service.
• A successor entity, in connection with a merger, acquisition, or sale of assets — subject to this policy or notice of any change.

5. Security

• Data is encrypted in transit (TLS 1.2+) and at rest (AES-256).
• Bank credentials are never transmitted to or stored by FiDi.
• Access to production data is restricted to authorized personnel on a least-privilege basis and logged.
• We support device biometrics and require re-authentication for sensitive actions.

No system is perfectly secure. If we become aware of a breach affecting your personal information, we will notify you and any required regulators as the law requires.

6. Data retention

We keep your information for as long as your account is active. When you delete your account, we revoke your institution connections and delete or de-identify your personal and financial data within 30 days, except where retention is required for legal, tax, accounting, or fraud-prevention purposes.

7. Your rights and choices

• Access and portability — request a copy of the personal information we hold about you.
• Correction — correct inaccurate information, including manually entered assets.
• Deletion — delete your account and associated data from within the app or by emailing us.
• Disconnect — unlink any financial institution at any time; new data stops flowing immediately.
• Marketing — opt out of product emails using the unsubscribe link. Service and security notices continue.

Depending on where you live, you may also have rights under the CCPA/CPRA, other U.S. state privacy laws, or the GDPR — including the right to non-discrimination for exercising them and, where applicable, to lodge a complaint with a supervisory authority. To exercise any right, email privacy@f1di.com. We will verify your request and respond within the statutory timeframe.

8. Children

FiDi is not directed to children under 18 and we do not knowingly collect their personal information. If you believe a minor has provided us data, contact us and we will delete it.

9. International transfers

We operate in the United States and process data there. If you access FiDi from outside the U.S., you understand your information will be transferred to and processed in the U.S. under appropriate safeguards.

10. Changes to this policy

We will post any revision here with an updated effective date and, for material changes, notify you by email or in the app before the change takes effect.

11. Contact

FiDi LLC
30 N Gould St, Ste N
Sheridan, WY 82801
privacy@f1di.com