Ends Meet is operated by Useful Tools LLC, a North Carolina limited liability company (“Useful Tools,” “we,” “us,” or “our”). Ends Meet helps you plan paychecks and bills. This Privacy Policy explains what we collect, why we use it, when we disclose it, and the choices available to you.
We do not show ads, sell personal information, or share personal information for targeted advertising.
If you create an account, we collect your email address so you can sign in and sync across devices. Authentication is handled by Supabase, our authentication provider.
We store the information you choose to enter, such as income, paycheck amounts and dates, bills, payees, due dates, paid status, goals, notes, and app preferences. Ends Meet does not connect to your bank and does not ask for bank login credentials.
Some features may be used without an account. In that case, the information for those features may remain on your device unless you choose to sync or otherwise send it to us.
We collect basic information about how the app is used and performs, such as features used, interactions, timestamps, app or device version, account or device identifiers, error information, and security or abuse-prevention events. We use this information to operate, protect, troubleshoot, and improve the app. We do not use it to track you across unrelated apps or websites.
If you contact us, we collect the information you provide, such as your email address, message, and any attachments or troubleshooting details.
We use information to:
When you use Money Talk, the weekly read, or another AI feature, a summary of the budget information needed for the request, such as income, bills, goals, and preferences, is sent through our server to Google Gemini, with Groq used as a fallback, to generate a response.
Useful Tools does not use your information to train its own AI models. Third-party providers process information under their own terms, privacy policies, and service settings. AI features are optional. If you do not use them, we do not send your budget information to an AI provider for that purpose.
We use service providers to host data, authenticate users, provide infrastructure, provide analytics and operational support, and generate AI responses. These providers may process information only for the services they provide to us, subject to their agreements and applicable law.
We disclose information when you direct us to do so, such as when you use an AI feature, sync information, export content, or share information outside the service.
We may disclose information if we reasonably believe disclosure is required by law or legal process, or is necessary to protect the rights, safety, or security of users, Useful Tools, or others; investigate fraud or abuse; or enforce our agreements.
If Useful Tools is involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, information may be disclosed as part of that transaction, subject to appropriate confidentiality protections and applicable law.
We do not sell personal information. We do not share personal information for cross-context behavioral or targeted advertising.
We keep account and budget information while your account is active or as needed to provide the service. You may delete your account from inside the app by opening Account and selecting Delete account.
Account deletion removes active account and budget data, subject to limited exceptions. Some information may remain for a limited period in backups, security logs, transaction records, or records we must retain to comply with law, resolve disputes, prevent fraud, or enforce agreements. We delete or de-identify information when it is no longer reasonably needed for the purpose for which it was collected.
Information stored only on your device remains there until you delete it, clear the app's storage, or remove the app, depending on your device and backup settings.
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information based on the nature of the information and the service. No method of storage or transmission is completely secure, and we cannot guarantee absolute security. You are responsible for using a strong password, protecting your credentials, and securing your device and exported copies.
You can update certain account information, decide whether to create an account, choose whether to use AI features, change or remove budget entries, and delete your account.
Depending on where you live, you may have rights to request access, correction, deletion, or a copy of personal information, or to object to or limit certain processing. We will honor verified requests as required by applicable law. We may need to verify your identity before completing a request.
To make a privacy request, email Calvin@endsmeet.app. An authorized agent may submit a request where permitted by law, but we may require proof of authority and verification of the user's identity.
Because we do not use personal information for targeted advertising or sell it, we do not offer an advertising opt-out. We do not respond differently to browser “Do Not Track” signals. Where legally required, we will honor recognized opt-out preference signals for processing to which they apply.
Ends Meet is not directed to children under 13, and children under 13 may not create accounts or submit personal information. If we learn that we collected personal information from a child under 13 without required authorization, we will delete it as required by law. Contact us if you believe this occurred.
Useful Tools is based in the United States. Our providers may process information in the United States and other countries where they operate. Those countries may have data protection laws different from the laws where you live. By using the service, you understand that information may be processed in these locations, subject to applicable law.
We may update this Privacy Policy as the service, vendors, or law changes. We will update the date above and provide additional notice when a change is material and applicable law requires it. Your continued use after the effective date is subject to the updated policy, but we will seek consent when required.
Ends Meet is operated by Useful Tools LLC.
Privacy questions and requests: Calvin@endsmeet.app
Website: endsmeet.app