This Privacy Policy explains how Dalor & Associates LLC, a Michigan limited liability company doing business as Zowly ("Zowly," "we," "us," or "our"), operator of the website and application at zowly.life (the "Service"), collects, uses, and protects your information. By using the Service you agree to this Policy.
The Service is intended only for individuals who are 18 years of age or older. We do not knowingly collect information from anyone under 18. If you believe a minor has provided us information, contact us at [email protected] and we will delete it.
Account information: your name and email address when you create an account. Financial information you enter manually: income, bills, budget categories, debts, balances, interest rates, home value, mortgage details, and similar figures you type into Zowly's tools. On the free trial, all financial data is entered by you manually.
If you choose to connect a bank or financial account on a paid plan, that connection is handled by Plaid Inc. ("Plaid"). Plaid securely collects account and transaction information on your behalf and provides it to Zowly so your numbers can update automatically.
Zowly caches and processes this data strictly for visualization and computational purposes within the application interface; we do not use this data to underwrite, offer, or evaluate your eligibility for credit, loans, or other financial products.
Zowly never receives or stores your banking login credentials. You enter those only with Plaid. Zowly cannot move, transfer, or withdraw your funds. The connection is read-only for the information needed to display your financial picture. Plaid's handling of your data is governed by Plaid's own privacy policy, available at plaid.com/legal.
Payments are processed by Stripe, Inc. ("Stripe"). Zowly never sees or stores your full card number. Stripe handles card data directly. We receive only limited information such as subscription status and the last four digits of your card for support purposes. Stripe's privacy practices are available at stripe.com/privacy.
Basic technical information such as device type, browser, IP address, and usage activity, used to operate and secure the Service. We use only the cookies necessary to keep you logged in and to operate the Service.
We use your information to:
We do not sell your personal or financial information. We do not use your financial data to advertise to you, and we do not share it with advertisers.
We use industry-standard safeguards, including:
No method of transmission or storage is perfectly secure, but we work to protect your information using accepted industry practices. Critically, the most sensitive items — your bank login and the ability to move money — are never held by Zowly at all; Plaid handles those. You acknowledge and agree that Zowly is not liable for any data breaches, unauthorized access, or security incidents originating directly from third-party infrastructure, including but not limited to Plaid and Stripe.
We keep your information for as long as your account is active or as needed to provide the Service. You may request access to, correction of, or deletion of your personal information by contacting [email protected]. When you delete your account, we delete or de-identify your personal and financial data, except where we must retain limited records to comply with law (for example, tax or transaction records).
Free trial and data retention. Your 14-day free trial includes full access, including saving the information you enter. If your trial ends and you have not started a paid plan, access is paused but the information you saved is kept for 30 days so you can pick up where you left off by subscribing. If you have not started a paid plan within that 30-day period, the information you saved during your trial is permanently deleted from our active systems. You may also request deletion of your data at any time. This automatic deletion applies only to trials that end without a paid plan; it does not affect active paid subscriptions.
You can edit or delete the financial figures you entered at any time within the Service. You can disconnect a Plaid-linked account at any time, which stops future automatic updates. You can cancel your subscription at any time; see the Terms of Service and Refund & Cancellation Policy for billing details. You can request account deletion at [email protected]. Depending on where you live, you may have additional rights under laws such as the California Consumer Privacy Act (CCPA) or the EU/UK GDPR, including rights to access, correct, delete, or port your data, and to not be discriminated against for exercising those rights. To exercise any of these, contact [email protected].
The Service relies on third parties including Plaid, Stripe, our hosting provider, and our authentication provider. Their handling of data is governed by their own privacy policies. Links in this Policy point to the most relevant ones.
We may update this Policy from time to time. We will post the updated version with a new "Last updated" date and, for material changes, provide additional notice within the Service.
This Policy is governed by the laws of the State of Michigan, without regard to its conflict-of-laws rules.