Privacy Policy

Effective February 14, 2026

Operator: Apps4Households (a sole proprietorship)

1. Scope

This Privacy Policy explains how Apps4Households ("Apps4Households," "we," "our," or "us") collects, uses, discloses, and protects information when you use the Vylo application and related services (collectively, the "Services").

Vylo is a product operated by Apps4Households.

This Policy applies to information collected through:

• the Vylo web and mobile experiences;
• support interactions; and
• related Services.

2. Information We Collect

We may collect the following categories of information.

A. Account and Profile Information

• Name
• Email address
• Authentication and account security metadata

B. Financial and Transaction Information

When you choose to connect financial accounts through our integration partners (including Plaid), we may receive:

• linked account metadata (for example, account type, mask, institution details);
• transaction history;
• balances;
• categories and budgeting data; and
• notes and categorization preferences.

Important: Vylo does not receive or store your bank login credentials when you connect accounts via Plaid Link.

Plaid Disclosure

Vylo uses Plaid Inc. ("Plaid") to gather data from financial institutions. By using our Services to connect a financial account, you direct and authorize Apps4Households and Plaid to access and transmit your financial data.

Your use of Plaid is subject to Plaid's Privacy Policy: https://plaid.com/legal

We share only the data necessary to provide the Vylo Services and do not sell your financial data.

C. Household and Collaboration Data

• Household membership details
• Invitations and role/access information

D. Device and Usage Information

• Log and event data (for example, IP address, browser/device type, timestamps);
• diagnostic and security telemetry; and
• cookie and session data necessary to operate and secure the Services.

E. Communications

Information you provide when contacting support or submitting feedback.

3. Sources of Information

We collect information:

• directly from you;
• automatically through your use of the Services; and
• from authorized third-party integrations (including Plaid) when you choose to connect external accounts.

4. How We Use Information

We use personal data to:

• provide, operate, and improve the Services;
• synchronize account and transaction data;
• power budgeting, categorization, and insights features;
• secure accounts and detect fraud or abuse;
• communicate with you about account, product, and security matters;
• comply with legal obligations; and
• enforce our Terms.

5. Legal Bases / Permission Model

Where applicable, we process personal data based on:

• your consent (for example, when connecting financial accounts);
• performance of our contract with you;
• legitimate interests (including security, reliability, and product improvement); and
• legal compliance obligations.

6. How We Share Information

We do not sell your financial data.

We may share information with:

• service providers who process data on our behalf (hosting, analytics, communications);
• financial connectivity providers (including Plaid) at your direction;
• household collaborators you explicitly authorize;
• legal or regulatory authorities when required by law; and
• a successor entity in connection with a merger, acquisition, financing, or asset sale, subject to appropriate safeguards.

7. Data Security

We implement administrative, technical, and organizational safeguards designed to protect personal data, including:

• encryption in transit;
• access controls;
• monitoring and logging; and
• secure credential and token handling practices.

However, no method of transmission or storage is completely secure.

8. Data Retention

We retain personal data only as long as reasonably necessary to:

• provide the Services;
• comply with legal, regulatory, tax, or accounting requirements;
• resolve disputes; and
• enforce agreements.

When data is no longer needed, we delete or de-identify it in accordance with our retention practices.

9. Your Rights and Choices

Depending on your jurisdiction, you may have the right to:

• access your personal data;
• correct inaccurate data;
• request deletion of your data; and
• receive a portable copy where applicable.

You may also close your account at any time.

To submit a privacy request, contact: support@myvylo.com

10. Cookies and Similar Technologies

We use cookies and similar technologies for:

• authentication;
• session management;
• security; and
• product performance and analytics.

You can manage cookies through your browser settings, but disabling certain cookies may affect functionality.

11. Children

Vylo is not intended for individuals under 18, and we do not knowingly collect personal data from children under 18.

If we learn such data has been collected, we will take steps to delete it as required by law.

12. International Transfers

Where personal data is transferred across borders, we apply reasonable safeguards consistent with applicable legal requirements.

13. Changes to This Policy

We may update this Privacy Policy periodically.

If changes are material, we will provide notice through the Services and/or by email where appropriate.

Continued use after the effective date constitutes acceptance of the updated Policy.

14. Contact Us

Apps4Households
support@myvylo.com