Privacy Policy

Introduction

At Nomi (“we,” “our,” or “us”), we take your privacy seriously. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our SMS-based budgeting assistant (“Service”), and tells you about your rights and choices. By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

Types of data collected

Personal data

• Contact Information: Your mobile phone number, and any preferences (like message tone) you provide.
• Financial Data: With your explicit authorization, we access transaction data from your linked bank accounts via Plaid.
• Communications: Your SMS replies or feedback.

Usage data

Usage Data is collected automatically when using the service. Usage Data may include information such as your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When you access the service by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.

Cookies & similar technologies

We use Cookies and similar tracking technologies to track activity on our service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze our service.

2. How We Use Your Data

• Provide and maintain our Service, including sending personalized SMS budgeting insights.
• Analyze trends and usage for service improvement.
• Communicate with you (transactional, administrative, promotional).
• Protect against fraud, unauthorized transactions, or other illegal activities.
• Comply with legal obligations.

We may share your personal information in the following situations:

• For business transfers: in connection with any merger, sale, or acquisition of our business.
• With affiliates: any sharing is bound by this Privacy Policy.
• With your consent: for any other purpose with your consent.

3. Sharing Your Information

We may share your data with:

• Service Providers: including Plaid (bank data aggregation), Linq (messaging delivery via iMessage/RCS/SMS), and analytics providers (website usage).
• Affiliates & Partners: bound by this Privacy Policy.
• Business Transfers: in mergers or acquisitions.
• Legal & Regulatory: to comply with applicable laws, court orders, or government requests.

4. Your Rights & Choices

Depending on your jurisdiction (e.g. GDPR in Europe, CCPA in California), you may have rights to:

• Access, correct, or delete your personal data.
• Restrict or object to certain processing.
• Withdraw consent at any time.

To exercise these, email us at hi@textnomi.com.

5. SMS Messaging Consent

By using our Service, you agree to receive SMS messages, including:

• Transaction-based insights and reminders
• Administrative or security alerts
• Optional promotional content (if you consent)

You can opt out anytime by replying “STOP”, or get help with “HELP.” Opting out of service-critical messages may limit your ability to use the Service.

6. Data Retention and Deletion

We retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our legal agreements and policies.

We also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except where this data is used to strengthen the security or improve the functionality of our service.

Financial transaction data is periodically purged unless a longer retention period is required for fraud prevention, audits, or legal obligations.

Customer data linked to your account (including financial data received from Plaid) is retained only while your account is active. Upon account closure or at your written request, we will permanently delete or anonymize your information within 30 days, unless we are required by law to keep it longer.

7. International Data Transfers

Your data may be processed outside your state or country. We ensure adequate protections through contractual safeguards or compliance with international standards.

8. Security

The security of your Personal Data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

9. Children's Privacy

Our service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us.

10. Changes to this Privacy Policy

We may update this policy periodically. We'll notify you by SMS, email, or via our website. Continued use means you accept the updated terms.

11. Contact Us

For any privacy questions or requests, email us at:

hi@textnomi.com