Privacy Policy
Effective June 3, 2026
Setsail is provided by Everfancy LLC. This policy explains how we handle information when you use Setsail.
Our Privacy Posture
Setsail is designed as a local-first finance app. Your device is the source of truth for your personal finance content, including ledger entries, budgets, goals, category preferences, and chat history. Those databases are encrypted on your device.
Everfancy designs Setsail to minimize persistent server-side copies of your detailed financial content. We do not intentionally maintain your transactions, budgets, goals, financial memory, or chat history as conventional application databases on our servers. When server processing is needed, Setsail sends the relevant information to our processing services over encrypted transport, processes it for the requested app function, and returns results to your device. Limited operational records may still exist as described in this policy, such as support messages, billing records, diagnostic logs designed to avoid financial content, security records, provider processing records, backups, and encrypted Plaid token records used for revocation.
Information We Collect
We collect information you provide directly, such as account details, support requests, settings, and content you enter into the app. If you connect a financial account, Setsail receives user-authorized information through Plaid, such as account metadata, balances when authorized, transaction history, merchant details, and categorization data.
We may also collect limited technical and operational information needed to operate and secure the service, such as device, app, log, diagnostic, authentication, workspace, subscription, and support information.
Categories Of Information
| Category | Examples | Source | Use, sharing, and retention |
|---|---|---|---|
| Identifiers and account information | Name, email address, authentication details, and account settings. | You and authentication providers. | Used to provide accounts, security, support, and service notices. Kept while needed for the account, security, legal, or support purposes. |
| Connected-account information | Account metadata, balances when authorized, transactions, merchant details, and categorization data. | You authorize access through Plaid. | Used only for account connectivity, transaction import, categorization, and user-controlled finance organization. Financial content is retained primarily on your device as described above. |
| User-created finance content | Ledger entries, budgets, goals, category preferences, and chat history. | You and your use of Setsail. | Used to provide requested app features. Your device is the source of truth; Everfancy's app services are designed not to retain this as ordinary server-side app database content, except for limited operational records described in this policy. |
| Payment and subscription information | Subscription status, payment-provider identifiers, and billing support records. | You and payment providers. | Used to process subscriptions, prevent fraud, handle support, and keep required business records. Payment card details are handled by payment providers. |
| Technical and operational information | Device, app, diagnostic, log, security, and usage information. | Your device, app, and service providers. | Used to operate, secure, debug, improve, and support Setsail. Logs are designed to avoid user financial content and are kept only as operationally needed. |
| Support communications | Messages, requests, attachments you provide, and related correspondence. | You. | Used to answer requests, investigate issues, and maintain service records. Shared with support and service providers only as needed. |
How We Use Information
We use information to provide Setsail, connect user-authorized accounts, import and categorize transactions, show account activity, maintain budgets and summaries, operate and secure the service, provide support, and comply with legal obligations.
AI Processing
If you use AI or chat features, Setsail may send prompts, relevant app context, selected financial content, and generated outputs to AI processing providers so they can return the response you requested. We use AI processing to provide app features and support, not to sell your data, make credit decisions, move money, or provide financial advice.
AI inputs and outputs may be processed by service providers under their service terms and our configuration choices. Where provider controls are available, we use settings intended to limit provider use of Setsail content to providing and securing the service. You should not enter information into AI features that you do not want processed for the requested feature.
Plaid Data
We do not receive or store your bank login credentials. When you connect a financial account, you authorize Setsail and Plaid to access the categories of account data you approve. Setsail uses Plaid data only for user-authorized account connectivity, transaction import, categorization, account activity display, and user-controlled personal finance organization features inside Setsail.
Plaid access tokens are encrypted. Setsail stores an encrypted processing copy on your device as an opaque blob, and may store a separate encrypted revocation copy server-side only so we can disconnect Plaid access when required, such as after account cancellation or a lapsed subscription. Plaintext Plaid tokens are handled only in memory during the request that needs them.
During the pre-launch period, you may request linked-account disconnect by contacting Everfancy. Where self-service disconnect controls are available in Setsail, revocation stops new collection from that account. Previously imported data remains on your device unless you delete it or delete your Setsail data. Everfancy does not sell Plaid-sourced data and does not use it for targeted advertising, lending, credit decisions, brokerage, money movement, or financial advice.
Financial Privacy
Connected-account information can include nonpublic personal financial information. We use and disclose that information only to provide, secure, support, troubleshoot, and improve Setsail; process user-authorized account connections; process payments; comply with law; protect rights and security; or complete another action you request or authorize. We do not sell connected-account information or share it for cross-context behavioral advertising.
We work with service providers that process information for Setsail, including Plaid, cloud hosting, authentication, payment, diagnostics, support, security, and AI processing providers. To the extent financial privacy laws require additional notices, choices, or safeguards, Everfancy will provide and honor them as applicable.
Sharing
We share information with service providers that help operate Setsail, including providers for hosting, authentication, encrypted processing, AI processing, analytics or diagnostics, payments, support, and financial-account connectivity. These providers are allowed to process information only to provide services to us, comply with law, or protect security. We may also disclose information if required by law, to protect rights or security, or in connection with a business transfer.
We do not sell personal information. We do not share personal information for cross-context behavioral advertising unless we provide a clear opt-out mechanism. We use sensitive personal information, including connected-account and transaction information, to provide, secure, support, and improve Setsail, comply with law, and other purposes permitted by applicable law.
Retention And Deletion
Your financial content is retained primarily on your device until you delete it. We keep limited operational information for as long as needed to provide Setsail, maintain subscriptions and device registrations, support account recovery and account deletion, comply with legal obligations, resolve disputes, and maintain security.
During the pre-launch period, you may request linked-account disconnect or deletion by contacting support. Where self-service disconnect controls are available in Setsail, you may also use those controls. We may need to verify your request and may retain limited information when required by law, security, billing, fraud prevention, or dispute-resolution needs.
Security
We use technical and organizational measures designed to protect information, including encrypted on-device databases, encrypted transport, encryption for Plaid access tokens, access controls, service separation, and logs designed to avoid user financial content. No method of transmission or storage is perfectly secure.
Children
Setsail is not intended for anyone under 18, and we do not knowingly collect information from anyone under 18.
Privacy Rights
Depending on where you live, you may have rights to know, access, delete, correct, export, or restrict certain personal information. Where applicable, you may also have rights to opt out of sale, sharing, or targeted advertising; limit certain uses and disclosures of sensitive personal information; appeal a privacy-rights decision; use an authorized agent to submit a request; or avoid discrimination for exercising privacy rights. We do not use sensitive personal information for targeted advertising, sale, sharing, or credit decisions.
To make a privacy request, contact support. We may verify your request, ask for information needed to process it, and respond as required by applicable law. If a right does not apply to your request or jurisdiction, we will explain that where required.
Changes
We may update this policy from time to time. The effective date above will change when we make material updates, and we will provide additional notice when required by law.
Contact
For privacy requests or support, contact support@everfancy.io. You may also write to Everfancy LLC, 522 W Riverside Ave Ste N, Spokane, WA 99201.