Privacy Policy
Effective Date: February 13, 2026 · Last Updated: February 13, 2026
Rio Financials, Inc. ("Rio," "we," "our," "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.
1. Information We Collect
Information You Provide
- Account information (name, email address, password)
- Profile information you choose to provide
- Financial account credentials provided through third-party services (e.g., Plaid)
- Transaction and budget data you enter manually
Information Collected Automatically
- Device and browser information
- Usage data and analytics
- IP address and approximate location
Information from Third Parties
- Financial account and transaction data via Plaid or similar services
2. How We Use Your Information
- To provide, maintain, and improve the Service
- To process transactions and track budgets
- To facilitate shared expense splitting between users
- To communicate with you about updates, security alerts, and support
- To detect and prevent fraud or abuse
- To comply with legal obligations
3. How We Share Your Information
We do not sell your personal information. We may share your information with:
- Service providers who help us operate the Service (e.g., hosting, analytics, financial data providers)
- Other users in the context of shared expenses and group features, limited to what is necessary
- Legal authorities when required by law or to protect our rights
4. Data Security
We implement industry-standard security measures to protect your information, including encryption in transit and at rest. However, no method of transmission over the Internet is 100% secure.
5. Data Retention
We retain your information for as long as your account is active or as needed to provide the Service. You may request deletion of your account and associated data at any time.
6. Your Rights
Depending on your jurisdiction, you may have the right to:
- Access and receive a copy of your personal data
- Request correction of inaccurate data
- Request deletion of your data
- Object to or restrict certain processing
- Data portability
7. Third-Party Services
The Service integrates with third-party services such as Plaid. Your use of these services is subject to their respective privacy policies. We encourage you to review them.
8. Children's Privacy
The Service is not intended for users under the age of 18. We do not knowingly collect information from children.
9. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on the Service. Continued use after changes constitutes acceptance.
10. Contact
Rio Financials, LLC.
Email: useriofinancials@gmail.com