Privacy Policy

Last updated: December 2, 2025

1. Introduction

Welcome to Koffers.ai. We respect your privacy and are committed to protecting your personal data. This privacy policy will inform you about how we handle your personal data when you use our service.

2. Information We Collect

We collect and process the following types of information:

Account Information: Email address, password (encrypted), and profile information
Financial Data: Bank account information, transaction history, and balances accessed through Plaid
Usage Data: Information about how you use our service, including pages visited and features used
Device Information: IP address, browser type, operating system, and device identifiers
Communication Data: Any communications you send to us or through our service

3. How We Use Your Information

We use your information to:

Provide, maintain, and improve our services
Process transactions and manage your account
Provide AI-powered financial insights and recommendations
Communicate with you about your account and our services
Protect against fraud and unauthorized access
Comply with legal obligations
Improve our AI models and service quality

4. Financial Data and Third-Party Services

We use Plaid to connect to your financial accounts. When you link your bank account, Plaid will access your financial information on our behalf. Please review Plaid's Privacy Policy to understand how they handle your data.

5. Data Storage and Security

We store your data securely using Supabase, which provides enterprise-grade security. Your financial data is encrypted both in transit and at rest. We implement appropriate technical and organizational measures to protect your personal data.

6. Data Sharing

We do not sell your personal information. We may share your data with:

Service Providers: Plaid (financial data), Supabase (data storage), Anthropic (AI services)
Legal Requirements: When required by law or to protect our rights
Business Transfers: In connection with a merger, acquisition, or sale of assets

7. Your Rights

You have the right to:

Access the personal data we hold about you
Request correction of inaccurate data
Request deletion of your data
Object to processing of your data
Request data portability
Withdraw consent at any time

8. Data Retention

We retain your personal data only for as long as necessary to provide our services and comply with legal obligations. When you delete your account, we will delete your personal data within 30 days, except where we are required to retain it by law.

9. Cookies and Tracking

We use essential cookies to maintain your session and provide our services. We do not use third-party advertising cookies. You can control cookies through your browser settings.

10. AI and Machine Learning

We use AI services (provided by Anthropic) to analyze your financial data and provide personalized insights. Your data is processed securely and is not used to train public AI models without your explicit consent.

11. Children's Privacy

Our service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

12. International Data Transfers

Your data may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place for such transfers.

13. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of any significant changes by email or through our service.

14. Contact Us

If you have any questions about this privacy policy or our data practices, please contact us at:

Email: privacy@koffers.ai

15. Compliance

We comply with applicable data protection laws including GDPR (for EU users) and CCPA (for California residents). If you are a California resident, you have additional rights under the CCPA.