Privacy Policy
This Privacy Policy explains what information NeverPaid collects, how it is used, how it is shared, and the choices you have when you use our app and related services.
1. Overview
NeverPaid helps you review, approve, or block subscription charges before they are billed to your payment method. Depending on the features you use, we may collect account information, payment information, banking data, receipt data, and support communications.
By using NeverPaid, you agree to this Privacy Policy and to the data practices described below.
2. Information We Collect
Name, email address, password, 2FA preferences, account settings, and profile details.
Date of birth, home address, phone number, and identity document images if you choose to upload them for verification.
Payment method details, virtual card metadata, card status, and transaction records related to charges you approve or block.
If you connect your bank account, we may receive transaction history, spending insights, detected subscriptions, and related financial data.
If you connect email-based features, we may access receipts and related metadata to identify purchases, product URLs, and price drops.
Support requests, messages you send us, and information needed to respond to troubleshooting or account issues.
Information collected automatically
When you use the app or this website, we may also collect technical information such as IP address, device or browser details, timestamps, logs, and diagnostic data needed to operate and secure the service.
3. How We Use Information
- Create and manage your account.
- Authenticate you and support 2FA.
- Issue, manage, and secure your virtual card.
- Review, approve, block, and record subscription charges.
- Detect subscriptions and summarize spending.
- Send service emails, alerts, and important account notices.
- Prevent fraud, abuse, unauthorized access, and other security issues.
- Meet legal, accounting, and compliance requirements.
4. How We Share Information
We do not sell your personal information.
We may share information with service providers and partners that help us operate NeverPaid, including:
- Stripe and Celtic Bank for card issuance and card-related services.
- Plaid for bank connection and transaction data.
- Email providers for transactional email delivery.
- Hosting and database providers used to run the app and store data.
We may also disclose information if required by law, to respond to lawful requests, to protect our users or the service, or in connection with a business transaction such as a merger or acquisition.
5. Data Retention
- Account data is retained while your account is active and for a limited period after deletion as needed for support, compliance, or legal requirements.
- Transaction records may be retained for up to 2 years.
- Audit and compliance logs may be retained for up to 7 years.
- Feature data may be retained while the feature remains active or until it is no longer needed for the purposes described above.
6. Your Choices
- You can update account information in the app settings.
- You can disconnect bank-linked features from within the app.
- You can request account deletion by contacting neverpaid.app@gmail.com.
- You can opt out of non-essential communications where applicable.
7. Security
We use reasonable administrative, technical, and organizational safeguards to protect personal information. No system is perfectly secure, so we cannot guarantee absolute security.
8. Children's Privacy
NeverPaid is not intended for children under 13, and we do not knowingly collect personal information from children under 13.
9. Changes to This Policy
We may update this Privacy Policy from time to time. If we make material changes, we will update the effective date above and may notify you through the app or by email.
10. Contact Us
If you have questions, concerns, or requests related to this Privacy Policy, contact:
NeverPaid Support
Email: neverpaid.app@gmail.com