SOBRIEN LLC ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
Information We Collect
We may collect information about you in a variety of ways, including:
- Personal Data: Name, email address, phone number, and other contact information you voluntarily provide to us.
- Usage Data: Information about how you access and use our website, including your IP address, browser type, operating system, pages visited, and the dates and times of your visits.
- Cookies and Tracking Technologies: We may use cookies, web beacons, and similar technologies to collect information about your browsing activity.
Financial Account Information
If you choose to connect a financial account, SOBRIEN LLC uses Stripe Financial Connections to obtain information that you authorize your financial institution to share. This information may include the financial institution's name, account name and type, the last four digits of the account number, current and available balances, and pending and posted transaction information such as transaction dates, descriptions, amounts, and categories.
We request access only to account balances and transaction information. We do not request account-ownership information or tokenized account and routing numbers for payment purposes. This service is not used to initiate payments, withdrawals, transfers, payouts, or other movement of funds.
We do not receive or store your financial-institution username or password. Authentication is handled by Stripe, the financial institution, or their authorized connectivity providers. Stripe processes information according to the Stripe Privacy Policy.
How We Use Your Information
We may use the information we collect for purposes including:
- Providing, operating, and maintaining our services
- Responding to your inquiries and communications
- Improving our website and services
- Complying with legal obligations
- Protecting against fraudulent, unauthorized, or illegal activity
How We Use Financial Information
We use permissioned financial information for internal financial-management purposes, including:
- Monitoring account balances and cash flow
- Categorizing and reviewing business expenses
- Reconciling revenue, expenses, and account activity
- Preparing internal financial reports
- Calculating business profitability
- Detecting duplicate, inaccurate, or potentially unauthorized transactions
We do not use Financial Connections information for advertising, lending, creditworthiness decisions, or the initiation of money movement.
Disclosure of Your Information
We do not sell your personal information. We may share your information in the following circumstances:
- Service Providers: With third-party vendors who perform services on our behalf.
- Legal Requirements: If required to do so by law or in response to valid legal process.
- Business Transfers: In connection with any merger, acquisition, or sale of company assets.
Financial-Data Service Providers
We may disclose financial information to service providers that process data on our behalf, including Stripe, United States-based hosting and database providers, accounting or bookkeeping providers, and artificial-intelligence service providers used to assist with internal financial analysis. These providers are permitted to use the information only to provide contracted services to SOBRIEN LLC or as required by law.
We do not sell financial information, share it for cross-context behavioral advertising, or provide it to unaffiliated third parties for their independent commercial purposes.
SMS & Mobile Messaging Data
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Data Security
We use reasonable administrative, technical, and physical measures to protect your personal information. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
Data Storage and Retention
Financial information obtained through Financial Connections is stored and processed in the United States. We retain connected-account information only while the connection remains active and for as long as reasonably necessary to provide financial-management, bookkeeping, security, and reporting functions.
After an account is disconnected or a valid deletion request is received, we will stop retrieving new information and delete financial information that is no longer required within 30 days. We may retain records when reasonably necessary to comply with tax, accounting, contractual, fraud-prevention, or other legal obligations.
Account Disconnection and Privacy Requests
You may revoke access through your financial institution, through any account-management functionality we provide, or by contacting us at [email protected]. After disconnection, we will no longer request updated balances or transactions from the disconnected account.
You may contact us to request access to, correction of, or deletion of personal information we maintain, subject to applicable legal and record-retention obligations.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.
Children's Privacy
Our services are not directed to individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information.
Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. Your continued use of our website after any changes constitutes acceptance of the updated policy.
Contact Us
If you have questions or concerns about this Privacy Policy, please contact us at:
SOBRIEN LLC
[email protected]