Privacy Policy

Effective April 28, 2025

At Baniya, we take your privacy seriously. Please read this Privacy Policy to learn how we treat your personal data. By using or accessing our Services in any manner, you acknowledge that you accept the practices and policies outlined below, and you hereby consent that we will collect, use and share your information as described in this Privacy Policy.

Remember that your use of Baniya’s Services is at all times subject to our Terms of Use, which incorporates this Privacy Policy. Any terms we use in this Policy without defining them have the definitions given to them in the Terms of Use.

Summary of our Privacy Policy

We know, Privacy Policies are no fun. Here at Baniya, our goal is to help make managing money less complicated. In the course of providing our Services, we will collect certain information about you which is necessary for us to best achieve that goal. Our intent is to only collect the information we need to best serve you. You’ll note that there may be references to “selling” and “sharing” in this Privacy Policy. Please note that those definitions are only used as they relate to certain online advertising activities related to our use of Cookies on our website (certain privacy laws define terms like “selling” and “sharing” very broadly). We will never sell your financial data.

What this Privacy Policy Covers

This Privacy Policy covers how we treat Personal Data that we gather when you access or use our Services. “Personal Data” means any information that identifies or relates to a particular individual and also includes information referred to as “personally identifiable information” or “personal information” under applicable data privacy laws, rules or regulations. This Privacy Policy does not cover the practices of companies we don’t own or control or people we don’t manage.

Categories of Personal Data We Collect

We collect Personal Data about you from the following categories of sources:

• You: When you provide such information directly to us.
  • When you create an account or use our interactive tools and Services.
  • When you voluntarily provide information in free-form text boxes through the Services or through responses to surveys or questionnaires.
  • When you send us an email or otherwise contact us.
• Automatically: When you use the Services and such information is collected automatically.
  • Through Cookies (defined in the “Tracking Tools and Opt-Out” section below).
  • If you download our mobile application or use a location-enabled browser, we may receive information about your location and mobile device, as applicable.
  • If you download and install certain applications and software we make available, we may receive and collect information transmitted from your computing device for the purpose of providing you the relevant Services.
  • We may collect information on your use of our Site and Services, such as pages visited, links clicked, non-sensitive text entered, and mouse movements.
• Financial Accounts: When you connect your financial accounts to our Services.

  When you login to your financial accounts in order to connect them to our Services, we will receive transaction and balance information from such accounts via Plaid. At no point will we receive your login information to any of your financial accounts.

Third Parties