Privacy Policy
Effective Date: January 2026
Last Updated: January 2026
MyHOA, Inc. (“MyHOA,” “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, store, and protect personal information when you use our website and services (the “Services”).
1. Information We Collect
1.1 Information You Provide to Us
We may collect information you provide directly, including:
- Name
- Email address
- Account credentials
- Contact information
- Information you submit through forms or communications with us
1.2 Financial Information via Third-Party Providers
When you connect a financial account using our Services, we may receive financial data through third-party providers such as Plaid Inc. This data may include:
- Account identifiers
- Account balances
- Transaction data
- Institution metadata
We do not collect your bank login credentials. These are provided directly to Plaid.
1.3 Payment Information
Payments are processed by third-party payment processors such as Stripe, Inc. We do not store full payment card numbers or sensitive payment credentials.
1.4 Automatically Collected Information
We may automatically collect:
- IP address
- Device and browser information
- Usage and log data
- Cookies and similar tracking technologies
2. How We Use Information
We use information to:
- Provide and operate the Services
- Authenticate users and manage accounts
- Process payments and financial transactions
- Display financial and transactional data
- Improve and secure our Services
- Comply with legal and regulatory obligations
- Detect, prevent, and respond to fraud or security incidents
3. How We Share Information
We may share information with:
- Service providers that perform services on our behalf (e.g., hosting, analytics)
- Financial service providers, including Plaid and Stripe, to enable core functionality
- Legal or regulatory authorities if required by law
- Business successors in the event of a merger, acquisition, or asset sale
We do not sell personal information.
4. Plaid Disclosure
To support financial account connectivity, we use Plaid. When you connect your bank account, you authorize Plaid to access your financial information on your behalf.
Plaid’s use of your information is governed by Plaid’s Privacy Policy:
https://plaid.com/legal/#privacy-policy
5. Data Retention
We retain personal information only as long as necessary to:
- Provide the Services
- Fulfill legal, accounting, or reporting obligations
- Resolve disputes and enforce agreements
Data is deleted or anonymized when no longer required, in accordance with our internal data retention and deletion policies.
6. Data Security
We implement reasonable administrative, technical, and organizational safeguards designed to protect personal information, including:
- Encryption in transit (TLS 1.2 or higher)
- Encryption at rest where supported by infrastructure providers
- Access controls and least-privilege principles
- Monitoring and logging of system activity
No method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
7. Your Rights and Choices
Depending on your location, you may have rights to:
- Access personal information we hold about you
- Request correction or deletion of your data
- Withdraw consent where applicable
Requests can be submitted to privacy@myhoa.co or security@myhoa.co.
8. Cookies and Tracking Technologies
We use cookies and similar technologies to operate and improve the Services. You may control cookie settings through your browser, though disabling cookies may affect functionality.
9. Children’s Privacy
The Services are not directed to children under 13, and we do not knowingly collect personal information from children.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Material changes will be posted on this page with an updated effective date.
11. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, contact:
MyHOA, Inc.
Email: privacy@myhoa.co
Security Contact: security@myhoa.co