Privacy Policy

Rachel Budget Assistant is operated by THR Tax LLC (“THR Tax”, “we”, “us”, or “our”), a Texas limited liability company. This Privacy Policy explains how we collect, use, disclose, retain, and protect information when you use our website, application, connected-account features, and related services (the “Service”). THR Tax is the data controller for the personal information described here.

• Account and profile information — your name or display name, email address, authentication identifiers, and account settings.
• Budget and financial information — budgets, categories, goals, bills, debts, income, notes, preferences, manually entered transactions, and other financial-organization information you enter.
• Connected financial-account information — you choose whether to connect a bank, credit-card, or other financial account. When you do, Plaid facilitates the connection and, depending on the permissions you authorize, we may receive the financial-institution name, account type, account balances, and transaction-level information. We store an access token, never your bank login. You can disconnect a connected account at any time from the Accounts page.
• Uploaded documents — statements and financial documents you upload (CSV, PDF, OFX/QFX), stored in the systems used to operate the Service.
• Usage and technical information — device, browser, IP address, log, diagnostic, error, cookie, and usage information, used to operate, secure, maintain, and improve the Service.
• Support communications — the questions, feedback, and messages you send us.
• Purchase and billing information — payments and subscription billing are processed through Paddle, our Merchant of Record. Card details are collected and held by Paddle, not by us. We receive purchase, subscription, payment-status, and order information from Paddle.
• AI-assisted feature inputs — when you use a feature that parses statements or suggests categories, the relevant transaction or document text is processed by our AI provider solely to return that result.

We do not use your financial data for advertising, and we do not sell personal information for money.

• Provide, operate, and maintain the Service.
• Connect and display financial-account information you have authorized.
• Create budgets, organize transactions, and provide categories, goals, reports, and alerts.
• Store and retrieve documents and content you upload.
• Process subscriptions, purchases, cancellations, refunds, and billing support.
• Respond to support requests and send service-related notices.
• Monitor performance, diagnose technical issues, prevent fraud and misuse, and protect the Service.
• Improve features, workflows, accessibility, and user experience.
• Comply with applicable law and enforce our agreements.

• Plaid, to enable the financial-account connections you authorize.
• Paddle, our Merchant of Record, for the sale of the product, subscription management, payments, invoicing, refunds, and tax compliance.
• Hosting, database, storage, and infrastructure providers that run the Service.
• Analytics and error-monitoring providers, to understand performance, reliability, and security.
• AI-service providers, when needed to provide an AI-assisted feature you use.
• Email, SMS, and support providers, to send the notifications you have enabled and respond to your requests.
• Professional advisers and authorities, where required by law or reasonably necessary to protect rights, safety, or the Service.

Service providers process data only on our instructions and under agreements that restrict their use of it. If you would like the current list of our material service providers, email support@thrtax.com.

We retain information for as long as reasonably necessary to provide the Service, maintain business records, resolve disputes, enforce agreements, comply with legal obligations, and protect security. We keep your account and financial data while your account is active. If you close your account, we delete or anonymise it within 90 days, except where we must keep records longer for tax, accounting, or legal reasons. You can delete individual transactions, statements, and connected accounts from within the app at any time.

Depending on where you live, you may have the right to access, correct, delete, restrict, object to, or receive a copy of your personal information, and to withdraw consent where processing is based on it. You can also disconnect a financial account, update your account details, and manage your subscription through Paddle. To submit a privacy request, email support@thrtax.com; we may need to verify your identity, and we will respond within one month. If you are in the UK or EEA you may also complain to your local supervisory authority. Our servers are in the United States, so data transferred from the UK or EEA is protected by Standard Contractual Clauses with our providers.

We use administrative, technical, and organizational safeguards designed to protect information, including encryption in transit and at rest, row-level access controls that isolate every user’s data from every other user’s, and restricted internal access. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Plaid, Paddle, your connected financial institutions, and other third parties have their own terms and privacy policies. Your use of those services is also subject to their policies.

The Service is not intended for children under 18, and we do not knowingly collect personal information from anyone under that age.

We use essential cookies and local browser storage to keep you signed in and remember your preferences. We do not use advertising or cross-site tracking cookies. You can clear or block cookies in your browser, though signing in will stop working if you block the essential ones.

We may update this Privacy Policy from time to time. We will post the updated version here and revise the effective date, and where a change is material we will provide additional notice.

THR Tax LLC — support@thrtax.com