Patet is a mobile and web app published by Plainly Digital LLC (“we,” “us,” “our”) that pairs financial literacy lessons with an AI money coach that reads your real spending. This privacy policy explains what data Patet collects, how it is used, where it goes, and how to delete it.

What Patet collects

When you use Patet:

• Account data: name, email address, password (hashed). Email verification
  • password reset use single-use tokens that expire in minutes.
• Onboarding profile: financial situation, primary worry, optional financial snapshot (income range, debts, savings goals). You can edit or clear any of it at any time.
• Coach conversations: every message you send to Notch (the AI coach) and every reply, retained for up to 12 months for session context.
• Lesson progress: which of the 121 lessons you’ve started or completed.
• Bank account data via Plaid (optional): if you connect a bank, Plaid passes us read-only access to balances, transaction history, and account metadata. Bank login credentials never reach Plainly Digital. Tokens are encrypted with AES-256-GCM at rest.
• Uploaded statements (optional): if you upload a PDF, CSV, or Excel statement, the file is parsed in memory and discarded — only extracted transactions are stored, and you can delete them in two taps.
• Subscription state: your current tier (Free / Pro / Pro+), boost-pack balance, and renewal date — sourced from RevenueCat (App Store / Play Store receipts). We never see your card.
• Push tokens (optional): if you allow notifications, your Expo push token.
• Crash + performance data: anonymized via Sentry. No identifying tokens.

What we do with it

• Generate coach replies (Anthropic’s API, one-time per request, no training).
• Show your real spending alongside the right lessons.
• Track lesson progress and send opt-in nudges.
• Process subscription payments via the App Store / Play Store.
• Detect fraud, abuse, and security threats.
• Comply with legal obligations.

We do not sell your personal information. We do not use your financial data for advertising. Affiliate links are clearly disclosed; we earn a commission only when you choose to act on a link.

Where data goes

• Anthropic processes coach messages and statement-extraction text. Per Anthropic’s API agreement, customer data is not used to train their models.
• Plaid brokers bank connections. See Plaid’s privacy notice for their retention.
• RevenueCat processes subscription receipts. See RevenueCat’s privacy notice for their retention.
• Neon (PostgreSQL) hosts the encrypted application database in AWS US East.
• Render hosts the API server.
• Sentry receives anonymized crash data.

Crisis handling

If a coach message indicates self-harm or imminent danger, Patet shows you 988 / Crisis Text Line / 211.org resources. Crisis routing is always free — it’s not gated by tier or rate limits.

Your controls

• Delete your account in Settings → Account → Delete. We delete your profile, lesson progress, conversations, transactions, and subscription metadata within 30 days. Plaid connections are unlinked immediately.
• Disconnect a bank at any time. Tokens are deleted; the existing transaction snapshot stays unless you also delete those.
• Export your data — request via support@plainlydigital.com.
• Opt out of analytics in Settings → Privacy → Analytics.

Children

Patet is not directed to children under 13. We do not knowingly collect data from children under 13. If you believe we have, contact us at support@plainlydigital.com and we will delete it.

Changes

If we change this policy materially, we’ll notify you in-app before the new policy takes effect. The current effective date is shown at the top of this page.

Contact

Plainly Digital LLC · support@plainlydigital.com · Tennessee, USA

This policy is governed by Tennessee law. Disputes resolved per the Terms of Service.