Privacy policy
Privacy, in plain language.
This policy explains what this website collects, how payments and subscriptions work, and what happens to your financial data when you use the Sumphoric application.
Overview
Sumphoric (“Sumphoric,” “we,” “us,” or “our”) operates the website at sumphoric.com, sells Sumphoric subscriptions through Stripe-hosted checkout, and provides the Sumphoric budgeting application at app.sumphoric.com. This policy applies to all three.
Two kinds of information matter here: the information you give us (your email, and the budgets and transactions you create in the app), and the information that is deliberately handled by others (card details by Stripe, bank credentials by Plaid). We never ask you to send financial account details to us by email.
What this site is — and is not
This website is the marketing and sales site for Sumphoric. It explains the product, shows previews built with fictional data, and links to Stripe-hosted checkout pages where you can subscribe. It is not the application itself, and it is not a place to store financial records.
The product previews on this site use invented names, balances, and transactions. They do not display real customer data.
What we collect
On this website
- Messages you send us by email, including your email address and anything you write.
- Technical information processed automatically by our hosting provider (such as IP address, browser type, and request logs) to deliver the site, keep it secure, and diagnose problems. We do not use it to build advertising profiles.
When you subscribe
- Your email address and order details, provided by Stripe when you complete checkout, so we can deliver your subscription, receipts, and app access instructions.
When you use the Sumphoric application
- Account data such as your email address and password (stored only in secure, hashed form).
- Content you create: budgets, categories, notes, and the transactions you add, import, or receive from a linked account.
Payments and billing
Subscriptions are sold through Stripe. When you subscribe, the checkout page, payment form, and card details are handled by Stripe under Stripe’s privacy policy. Sumphoric does not see or store your card number, CVV, or bank details used for payment.
Subscriptions renew automatically — $7.99 monthly for the monthly plan, $79 annually for the annual plan — until you cancel. Applicable taxes are calculated by Stripe and shown before you pay. You can cancel by emailing [email protected].
App access is not provided immediately after checkout. Access instructions are sent by email when available. If access has not begun, email [email protected] for a refund.
Financial account data
If you choose to connect bank accounts in the Sumphoric application, the connection is established through Plaid. Your bank credentials are entered on Plaid’s secure form and are never seen or stored by Sumphoric.
For accounts you link, Sumphoric receives read-only transaction and balance information so your budget stays current. Bank connections are optional: the product works fully with manually added transactions and CSV imports, and you can disconnect a linked account at any time.
Please do not email us bank credentials, account numbers, or card details under any circumstances.
What we do not collect
- Bank credentials, account numbers, or routing numbers.
- Payment card details — Stripe handles those directly.
- Advertising or cross-site tracking data. We do not run third-party ads.
- Sensitive information about your health, beliefs, or other protected characteristics.
How we use information
- To deliver and maintain your subscription and its receipts.
- To send app access instructions and essential service emails.
- To provide the product: storing your budgets, categories, and transactions.
- To respond to questions, billing requests, and support needs.
- To keep the site and application secure and prevent abuse.
- To comply with legal obligations.
Where the law requires a legal basis, we rely on the performance of our contract with you (delivering the subscription and product you paid for), our legitimate interests in operating and securing the service, and legal obligations where applicable.
How long we keep information
Subscription and billing records are kept for as long as needed to deliver the service and meet accounting and legal obligations. Budgets, categories, and transaction content are kept while your account is active; when you close your account, we delete or de-identify this content, subject to the same legal obligations.
Emails you send us are kept as long as needed to respond and maintain our records. Technical logs processed by our hosting provider are retained according to the provider’s practices and our security needs.
Subscription terms and cancellation
Both plans include the same features. The monthly plan costs $7.99 and renews each month; the annual plan costs $79 and renews each year. Subscriptions renew automatically until canceled.
To cancel, email [email protected]. Cancellation stops future charges, and you keep access through the end of the period you have already paid for. If app access has not begun for your subscription, you may email the same address for a refund.
Your choices and rights
You can ask us to access, correct, or delete the personal information we hold about you, and you can cancel your subscription at any time. You can also disconnect any linked bank account from within the application.
Depending on where you live, you may have additional rights, including the right to object to or restrict certain processing, or to lodge a complaint with a data protection authority. We will honor applicable rights and may need to verify your request before acting on it.
To make a request, email [email protected].
Security
We use reasonable technical and organizational measures to protect the information we hold. No method of transmission over the internet or method of electronic storage is completely secure, so we cannot promise absolute security.
Two of the most sensitive categories are deliberately kept away from us: card details stay with Stripe, and bank credentials stay with Plaid. Please do not send credentials or account numbers to us by email.
Children
This site and product are not directed to children under 16, and we do not knowingly collect personal information from children under 16. If you believe a child has submitted information to us, contact us and we will take appropriate steps to delete it.
International visitors
Our service providers may process information in the United States and other countries where they operate. If you access this site from another country, those locations may have different data protection laws than your own.
Changes to this policy
We may update this policy as the product or our practices change. When we do, we will update the effective date at the top of this page. If a change is material, we will take reasonable steps to make it clear.
Contact
Questions about this policy or your information? Email [email protected].
Sumphoric · Simplify. Understand. Manage.