Our Plan privacy policy
Last updated: October 30, 2026
Our Plan is a private budgeting and planning app run by Justin Tobin for one household. It is not a commercial product, is not offered to the public, and has no customers. This policy explains what data it handles when the household connects its bank accounts.
What we collect
When a household member connects a bank account through Plaid, Our Plan receives:
- Account names, types, and the last four digits of account numbers
- Account balances
- Transactions (date, amount, description, and category)
- Loan and credit card details, such as interest rate, minimum payment, and due date
Our Plan never sees or stores bank usernames or passwords. Those are entered directly into Plaid, and Plaid gives Our Plan a token that allows read-only access to the data above.
How we use it
The data is used only so the household can track its own spending, bills, debts, and savings goals. Every imported transaction is reviewed by a household member before it is saved.
Who we share it with
No one. The data is never sold, rented, shared, or used for advertising. The only outside service involved is Plaid, which connects to the banks. Plaid's handling of data is described in the Plaid End User Privacy Policy.
Where it is stored and how it is protected
- Data is stored on a private server owned by the household, not in a cloud service.
- The app has no public internet address. It can be reached only from the household's own authorized devices over an encrypted private network that requires multi-factor sign-in.
- Disks are encrypted, and Plaid access tokens are encrypted in the database.
- All communication with Plaid uses encrypted HTTPS connections.
How long we keep it, and deleting it
Data is kept only while the household uses Our Plan. A household member can disconnect a bank at any time, which revokes Our Plan's access through Plaid and deletes the stored access token. Either household member can ask for any or all of their data to be deleted, and it will be deleted promptly. You can also revoke Our Plan's access to your bank data at any time throughPlaid Portal.
Changes to this policy
If this policy changes, the date at the top will be updated.
Contact
Questions or deletion requests: use the contact form.