Account data from Plaid: connected institution names, account names/types/masks, balances, transactions, recurring transactions, identity information, and related metadata needed to provide app features.

Profile & app data: basic account/profile details, preferences, budgeting inputs, and app configuration needed to run the product.

Technical data: logs and diagnostics such as timestamps, request metadata, and error events for security and reliability.

AI chat conversations: when you use Mingo, our AI assistant, the messages you send and the responses you receive are stored securely. Any feedback you leave on a response (such as thumbs up/down) is also recorded.

Financial data is processed automatically to power features like dashboards, alerts, timelines, and insights. Starmingo team members do not manually browse or monitor your personal financial transactions.

Provide requested features such as account views, spending analytics, budgeting, and alerts.

Maintain and improve product performance, quality, and fraud/security protections.

Comply with legal obligations and enforce our terms and platform safety requirements.

We use your data to operate and improve Starmingo, not to sell it, rent it, or use it for third-party advertising.

We do not sell personal information.

Starmingo includes an AI-powered financial assistant called Mingo. To provide and improve this experience, conversations with Mingo may be stored securely, and a minimized, redacted version of the chat context may be sent to our AI service provider to generate replies.

What this means for you: Mingo conversations may be stored securely to provide the AI assistant experience, improve response quality, troubleshoot issues, and support safety. When Mingo generates a reply, only a minimized, redacted version of the chat context is sent to our AI service provider. We do not use Mingo conversations to monitor your personal finances, sell your data, or share your conversations with third parties for marketing.

In limited cases, authorized team members may review Mingo conversations only for troubleshooting, safety, or product quality purposes.

Feedback you leave on a Mingo response (for example, marking a reply as unhelpful) is stored alongside the conversation and used to prioritize which interactions are reviewed first.

Mingo conversations are not sold, are not used for third-party advertising, and are not used to manually monitor users' financial behavior.

You can delete a conversation at any time from within the Mingo chat interface. Deleted conversations are removed from our systems and will no longer be accessible for review.

We use Plaid Inc. ("Plaid") to connect your financial accounts. By using bank connection features, you acknowledge that your information is processed by Plaid in accordance with Plaid's End User Privacy Policy.

Plaid's privacy policy is available at https://plaid.com/legal/.

You can disconnect linked institutions in the app. Disconnecting stops new sync activity for that connection in Starmingo.

Starmingo may provide credit monitoring features through trusted partners such as Revery Credit.

What this means for you:

- Viewing your credit information through Starmingo does not impact your credit score (soft inquiry only).

- We do not perform hard credit checks.

- Credit data is provided securely through our partner and used only to display your credit profile and insights.

- We do not sell or share your credit data for marketing or advertising purposes.

Your credit information is handled with the same privacy-first approach as the rest of your financial data.

Starmingo does not make lending decisions and does not use your credit data to approve or deny services.

We only share data in limited situations:

With trusted service providers that help us operate Starmingo, such as hosting, infrastructure, authentication, analytics, security, and support providers.

With our AI service provider to generate Mingo replies, using only a minimized, redacted version of the chat context needed to answer your question.

With Plaid and financial institutions only as needed to provide connected-account features.

When required by law, legal process, or to protect users, rights, and platform security.

We do not sell, rent, or share your personal financial data for marketing or advertising purposes.

Starmingo Web uses PostHog for optional product and usage analytics to understand how people find the site, use public pages, get started, and use product features. Analytics stays off until you choose Allow analytics. Choosing Do not allow analytics does not prevent you from using Starmingo.

These analytics do not include financial account balances, transaction details, credit data, investment values, or Mingo conversation content. We use selected usage events and categories, rather than automatically recording your clicks or page content. PostHog session replay is disabled.

After you allow analytics, PostHog may use pseudonymous browser, device, and session identifiers. When you sign in, analytics can be linked to your account using an opaque Clerk account identifier, without sending your name, email address, or phone number as analytics properties. This can link earlier analytics from the same browser to your signed-in activity. Logging out resets the analytics identity but keeps this browser's analytics choice.

We store your choice in this browser. If you allow analytics, browser local and session storage maintain analytics state and milestone markers; cookies may be used if the analytics library cannot use its preferred storage. We may retain approved acquisition categories such as UTM source, medium, campaign, and referring domain. The library can also retain session-entry URL and referrer context locally in your browser. We minimize known personal query parameters and remove raw URLs and arbitrary query strings from analytics events sent to PostHog.

Use Analytics choices on the website, or Settings → Privacy & Data → Analytics, to change your preference at any time. The choice is specific to this browser/device, not account-wide. Withdrawing permission stops future collection and removes accessible analytics storage and milestone markers for this integration. It does not delete events already received by PostHog. You can contact us about deletion of previously collected analytics; account deletion does not automatically remove PostHog records.

PostHog is the product analytics provider for this version of Starmingo Web. This version does not load Google Analytics or Microsoft Clarity. Required authentication, security, and other functional browser storage operate independently of your analytics choice.

We retain data only as long as needed for product operation, legal compliance, fraud prevention, dispute handling, and security.

You can remove a linked bank connection from the app. You may also request account/data deletion by contacting us.

Sensitive financial connection data is protected using administrative, technical, and organizational safeguards.

Plaid access tokens are stored encrypted at rest and are used only to retrieve data you request (for example, balances and transactions).

We do not store your online banking username or password.

Connected accounts can be disconnected anytime from the app.

Review and update profile information in the app where available.

You can remove linked banks and cards at any time from the Banks & Cards page.

Open Banks & Cards, find the connected institution you want to remove, and select Disconnect.

Disconnecting a bank removes that linked institution from Starmingo and stops new sync activity for that connection.

For Plaid-managed controls, you can learn more about Plaid Portal at https://my.plaid.com/.

You can delete your Starmingo account directly in the app without contacting support.

Go to Settings > Privacy & Data, then select Delete My Account.

You will be asked to confirm the deletion request and complete verification before it is scheduled.

Once requested, your account access is disabled and permanent deletion is scheduled after the notice period shown in the app.

The Service is intended for individuals 18 years of age or older. We do not knowingly collect personal information from individuals under 18.

For privacy questions or requests, contact us at hello@starmingo.com.

We may update this policy from time to time. If we make material changes, we will update the date above and post the revised policy here.