This disclosure describes how Delta handles personal information for the goMoney consumer app. It is not legal advice and does not claim SOC 2 certification.
1. Who we are
Delta operates goMoney, a consumer mobile app that helps people build better financial habits (budgets, coaching, and optional bank-connected transaction history for premium users). We are not a bank, broker, or payment processor; we do not move money, originate loans, or offer investing or trading.
2. Scope
This policy covers personal information processed when you use the goMoney mobile application and related API services operated by Delta under the goDelta.us domain family.
3. Information we collect
| Category | Examples | Source |
|---|---|---|
| Account / identity | Email or other sign-in identifiers; authentication subject id | You; Clerk |
| App usage / coaching | Savings mission, budgets, manual ledger entries, category overrides, coaching choices | You |
| Bank connection (premium) | Institution label, connection status, Plaid Item id; encrypted access token on our servers only | Plaid Link + our API |
| Transaction data (premium) | Merchant/name, amount, date, category signals mapped into your private ledger | Plaid → our database |
| Device / technical | App version, request metadata, coarse diagnostics | Device / infrastructure |
| Support | Messages you send to our privacy or security contact | You |
The mobile app does not store Plaid access tokens, account or routing numbers, or PANs. Access tokens remain on our servers, encrypted.
4. How we use information
- Provide and secure goMoney accounts and coaching features
- Authenticate you (via Clerk) and authorize API access
- For premium users who connect a bank: sync transactions into your private ledger and coach budgets and habits
- Operate, debug, and protect the service
- Respond to privacy, security, and support requests
- Comply with law and enforce terms
We do not sell your personal information, and we do not sell Plaid-sourced consumer data.
5. How we share information
We use service providers to run goMoney. They process data only for the purposes we specify:
| Processor | Role |
|---|---|
| Clerk | Consumer identity and session (no ledger or Plaid tokens in Clerk) |
| Plaid | Bank Link / connection and transaction payloads we request (Transactions) |
| Amazon Web Services (AWS) | Hosting, database, secrets, and encryption keys for staging/production |
| Cloudflare | DNS and delivery for goDelta.us hostnames (including this page) |
We may also disclose information if required by law, to protect rights and safety, or in connection with a corporate transaction (with appropriate protections).
6. Bank linking (Plaid)
If you choose Connect bank (premium):
- You complete Plaid Link and authorize sharing of the data categories Plaid shows you.
- Our servers exchange a short-lived public token and store an encrypted access token plus Item metadata.
- We call Plaid APIs to sync transaction fields we need for coaching into your ledger.
- On Disconnect bank, we remove the Plaid Item, destroy local token material, and keep historical synced ledger rows by default (unless you also request account deletion).
Plaid’s own privacy disclosures apply to data Plaid processes as described in their notices.
7. Retention
- Plaid access tokens: only while a bank connection is active; destroyed on disconnect or Item remove
- Synced and manual ledger / coaching data: while your account is active; deleted or irreversibly anonymized on validated account deletion (target within 30 days)
- Application logs: short operational window (typically 90 days or less unless investigating an incident); designed not to contain access tokens or full account numbers
8. Your choices and rights
- Disconnect bank in Settings (removes the live connection; history kept by default)
- Sign out or stop using the app
- Account deletion / privacy requests: email gomoney_privacy@godelta.us from the address on your account; we verify and process per this policy and applicable U.S. state privacy laws
Depending on where you live, you may have rights to access, correct, delete, or obtain a copy of certain personal information, and to appeal a denial. We will not discriminate against you for exercising privacy rights.
9. Security
We use technical and organizational measures appropriate to the sensitivity of financial coaching data, including TLS in shared environments, encryption of Plaid access tokens at rest (AWS KMS on staging/production), server-side authorization, and log redaction. No method of transmission or storage is 100% secure.
10. Children
goMoney is not directed to children under 13, and we do not knowingly collect personal information from children under 13.
11. International users
goMoney is built for U.S. consumers (iOS-first). If you access the service from elsewhere, you understand your information may be processed in the United States.
12. Changes
We may update this policy. The effective date above will change when we do. Material changes will be reflected at this URL and, when appropriate, via in-app notice.
13. Contact
Privacy / security: gomoney_privacy@godelta.us
Product: goMoney by Delta · godelta.us