Privacy Policy

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.

1. Who this applies to

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.

2. Information we collect

a. Information you provide directly

• 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.

b. Information from connected accounts (paid plan only, via Plaid)

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 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.

c. Payment information (paid plan only, via Stripe)

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.

d. Information collected automatically

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.

3. How we use your information

We use your information to:

• provide the Service and display your financial calculations and projections;
• create and secure your account, including two-factor authentication;
• process subscription payments through Stripe;
• keep your numbers current through Plaid if you connect an account on a paid plan;
• respond to support requests;
• maintain, improve, and secure the Service;
• comply with legal obligations.

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.

4. How we share information

• Service providers who operate Zowly on our behalf — for example Plaid (bank connections), Stripe (payments), our hosting provider, and our authentication provider — under agreements that require them to protect your information.
• Legal requirements — if required by law, regulation, or valid legal process.
• Business transfer — if Zowly or Dalor & Associates LLC is involved in a merger, acquisition, or sale of assets, information may transfer as part of that transaction, subject to this Policy.

5. How we protect your information

We use industry-standard safeguards, including:

• encryption of data in transit;
• two-factor authentication available (and encouraged) on accounts;
• a reputable third-party authentication provider rather than home-built login;
• managed, access-controlled database infrastructure.

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.

6. Data retention and deletion

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).

7. Your choices

• 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].

8. Third-party services

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.

9. Changes to this Policy

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.

10. Contact