Privacy Policy

1. Introduction

Equabi Inc. ("Equabi," "we," "us," or "our") operates the Equabi autonomous financial optimization platform (the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service. We are committed to protecting your privacy and handling your financial data with the highest level of security.

2. Information We Collect

We collect information necessary to provide and improve our Service:

• Account Data: Email address, authentication credentials (hashed), and account preferences.
• Financial Telemetry: Read-only transaction metadata obtained via Plaid integration. We do not collect raw account numbers or the ability to initiate transfers.
• Usage Data: Interaction logs, feature utilization, and optimization execution records.
• Device Data: IP address, browser type, and session identifiers for security monitoring.

3. Zero-Knowledge Architecture

Equabi is built on a zero-knowledge trust model. Sensitive credentials are encrypted client-side using AES-256 encryption before transmission. We fundamentally lack the technical capability to access your plaintext passwords or initiate financial movements on your behalf.

4. How We Use Your Information

• To operate, maintain, and optimize the autonomous execution engine.
• To detect spending inefficiencies and identify market arbitrage opportunities.
• To send time-sensitive capital optimization alerts via your configured channels.
• To ensure platform security, prevent fraud, and maintain SOC 2 compliance.

5. Data We Do Not Sell

Equabi is a premium, paid SaaS product. Our business model is software subscriptions, not data brokering. We never sell, share, or monetize your spending data to any third party. Ever.

6. Data Retention

We retain transaction metadata for as long as your account is active. Upon account deletion, all associated data is purged from production systems within 30 days and from encrypted backups within 90 days.

7. Your Rights

Depending on your jurisdiction, you have the right to:

• Access the personal data we hold about you.
• Request correction or deletion of your data.
• Export your data in a machine-readable format.
• Opt-out of non-essential communications.

8. Contact Us

If you have questions about this Privacy Policy, please contact our Data Protection team: