Butterscotch Privacy Policy

1. About Us

Butterscotch ("we," "our," or "us") operates this BETA website and mobile application ("Service") exclusively for users located in California, United States.

If you have any questions about this policy or your data, you can contact us at: trust@butterscotchplease.com
Mailing address: (Insert official business address here)

2. Scope of This Policy

This Privacy Policy applies to California residents who are participating in our BETA testing program. Because this product is in BETA, we may collect and analyse limited personal, technical, and financial information to test and improve our service.

By joining the BETA, you agree to the collection and use of your data as described here, in line with the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).

3. Information We Collect

We collect the following types of information:

• •Identifiers: Such as your name and email address.
• •Financial Information: Details you choose to share (like account connections, income range, or transaction summaries) to help us test financial features.
• •Technical and Diagnostic Data: Information about your device, browser type, operating system, and how you interact with our app.
• •Cookies and Analytics Data: Aggregated, non-personal data about site usage.
• •Inferences: Insights drawn from how you use our features to help us improve the experience.

We don't intentionally collect government IDs, payment card numbers, or precise location data. If we ever need such details, we'll ask for clear consent first.

4. How We Collect Data

We collect data in the following ways:

• •When you sign up or join the BETA waitlist.
• •When you connect financial accounts or share financial information during testing.
• •Through secure integrations and cookies.
• •Through Google Authentication if you choose to log in that way.

You'll always know when data is being collected - either through a form, notice, or consent screen.

5. Why We Collect Data

We use the data we collect to:

• •Manage participation in our BETA program.
• •Communicate with you about updates or improvements.
• •Monitor performance and fix bugs.
• •Keep our platform secure and reliable.
• •Test and refine our secure financial storage feature.
• •Prepare for future financial optimisation tools, such as recommendations for savings or products (no automated decisions are made during the BETA).

You can unsubscribe or withdraw at any time by contacting us. If you do, we'll securely delete your information within 90 days.

6. How We Share Data

We may share data with trusted service providers who help us:

• •Host our systems and infrastructure.
• •Run analytics and diagnostics (configured to avoid identifying you).
• •Provide secure financial data storage and encryption.

We do not sell or share your personal or financial information as defined under the CCPA/CPRA.

All partners are bound by strict contracts limiting how they can use your data.

Shared or diagnostic data is deleted within 90 days unless required for security or legal reasons.

7. Cookies and Analytics

We use cookies and analytics tools (like Google Analytics) to understand how people use our site.

• •These tools collect aggregated, non-identifiable information such as pages visited and time spent on site.
• •We do not use advertising or marketing cookies.
• •You can disable or delete cookies through your browser settings.
• •Financial data is never collected through cookies.

8. Data Security

We take your privacy seriously.

• •All personal and financial data is encrypted in transit and at rest using industry-standard vault technology. Our security practices are SOC 2 aligned.
• •Access is restricted to authorised Butterscotch team members involved in BETA testing.
• •If a data breach occurs, we'll notify affected users in line with California Civil Code §1798.82.

9. Your Rights (California Residents)

Under California law, you have the right to:

• •Know what information we collect and how it's used.
• •Delete your personal information (with some exceptions).
• •Correct inaccurate personal information.
• •Opt-out of the sale or sharing of your data - we don't sell or share it, but you can confirm this.
• •Limit the use of sensitive personal information (such as financial data) to necessary service functions.
• •Non-discrimination – we will never treat you differently for exercising your rights.

To make a request, email us at trust@butterscotchplease.com. We'll verify and respond within 45 days as required by law.

10. How Long We Keep Your Data

We only keep your data for as long as it's needed to support the BETA and improve our service.

• •Personal and financial data are normally deleted within 90 days of unsubscribing or the BETA ending.
• •Diagnostic and technical data may be kept longer in anonymised form for research and performance monitoring.

If you choose to continue with the full Butterscotch product when the BETA ends, your data may be securely transferred to the live platform so that you don't need to start over. Before this happens, we'll let you know what's changing, share the new Privacy Policy for the full product, and give you the option to opt out or request deletion before your data is moved.

We'll always handle your information with care, and you'll stay in control of what happens next.

11. Policy Updates

We may update this policy occasionally to reflect improvements or legal changes. Any updates will be posted on this page with a new effective date. If the changes are significant, we'll notify you directly by email.

12. Children's Privacy

Our BETA program is designed for adults. We do not knowingly collect data from anyone under 13 years old. If we discover that we have collected such data, it will be deleted immediately.

Notice at Collection

When you sign up for the Butterscotch BETA, we collect your name, email, and any financial data you choose to share. We use this data to provide and improve our service and to contact you with updates.

We do not sell or share your data.

For full details, please read the Privacy Policy above or email trust@butterscotchplease.com for assistance.