Privacy Policy for RetroFin

Last Updated: February 1, 2026

RECOLLECTION LLC ("we," "our," or "us") respects your privacy and is committed to protecting the personal and financial information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application, RetroFin (the "App").

By using the App, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

To provide you with a unified view of your finances, we collect specific types of data.

A. Personal Information

We may collect personally identifiable information that you voluntarily provide to us when you register for an account, such as:

  • Name
  • Email address
  • Account credentials (usernames and passwords for App access)

B. Financial Data

The core function of RetroFin is to organize your financial life. To do this, we collect and process:

  • Account Balances: Information regarding the funds available in your connected accounts.
  • Transaction History: Details of transactions including dates, amounts, merchant names, and categories.
  • Institution Credentials: If you link bank accounts directly, we (or our third-party data aggregators) utilize encrypted credentials to fetch this data. We do not store unencrypted banking passwords.

C. Usage and Technical Data

We automatically collect certain information when you access the App, including:

  • Device Information: Device model, operating system (iOS/Android), and unique device identifiers.
  • Log Data: IP address, app crashes, and system activity to help us fix bugs (e.g., via error tracking services).

2. How We Use Your Information

We use the collected information for the following purposes:

  • To Provide the Service: Aggregating your balances and transactions into a unified dashboard.
  • To Maintain and Improve the App: Analyzing user behavior and crash reports to fix issues and enhance functionality.
  • To Communicate with You: Sending administrative information, such as security alerts or support responses.
  • To Enforce our Terms: Protecting against fraud and unauthorized access.

3. Disclosure of Your Information

We do not sell your personal or financial data. We may share information strictly in the following situations:

  • Third-Party Service Providers: We may share data with third-party vendors who perform services on our behalf, such as:
  • Cloud Hosting: (e.g., Google Firebase, AWS) to store your encrypted data.
  • Financial Aggregators: (e.g., Plaid, Yodlee) to securely connect to your financial institutions.
  • Analytics and Error Tracking: (e.g., Sentry, Google Analytics) to monitor app health.
  • Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities.
  • Business Transfers: If RECOLLECTION LLC is involved in a merger, acquisition, or asset sale, your Personal Data may be transferred.

4. Data Security

We use administrative, technical, and physical security measures to help protect your personal and financial information. This includes encryption of data in transit and at rest. However, please be aware that no method of transmission over the Internet or method of electronic storage is 100% secure.

5. Your Data Rights

Depending on your location, you may have the right to:

  • Access the personal data we hold about you.
  • Request correction of inaccurate data.
  • Request deletion of your account and associated data ("Right to be Forgotten").

To exercise these rights, please contact us at the email provided below.

6. Children's Privacy

RetroFin is not intended for use by children under the age of 13. We do not knowingly collect personally identifiable information from children.

7. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

8. Contact Us

If you have questions or comments about this Privacy Policy, please contact us at:

RECOLLECTION LLC

  • Email: tuogol.inc+retrofin@gmail.com
  • Address: 212 Comanche Road Farmington Utah, Davis County, UT