Runrate LLC ("Runrate," "we," "us," or "our") provides financial forecasting and planning applications, websites, and related services (the "Services"). This Privacy Policy explains the personal information we collect, why we use it, who helps us process it, and the choices available to you.
Runrate is a planning service, not a bank or money-transmission service. Runrate offers an optional, read-only bank connection through Plaid that receives data you authorize, such as selected account information, balances, and transactions. The connection does not allow Runrate to initiate transfers or payments or change accounts held at your bank.
Information We Collect
We collect the information needed to provide and operate Runrate, including:
- Account and profile information: your email address, first and last name if provided, password hash, account identifier, preferences, and authentication records.
- Financial-planning information: account names and types, balances, transaction titles, amounts, dates, notes, statuses, recurring schedules, and forecast settings that you enter, plus selected account information, balances, and transactions that you authorize Plaid to provide when you connect a financial institution.
- Subscription information: your plan, billing provider, provider customer or transaction identifiers, subscription status, renewal dates, and related billing events. Stripe or Apple receives your payment method; Runrate does not receive your full card number or card security code.
- Support information: your contact details and the contents of messages you send through support or email.
- Technical and usage information: IP address, browser or device type, app version, platform, device or app identifier, general location inferred from an IP address, product interactions, performance data, crash information, and cookies needed for sign-in, preferences, security, and service operation.
How We Use Your Information
We use this information to:
- Provide, synchronize, maintain, and improve the Services and calculate the forecasts you request;
- Create and secure accounts, authenticate sign-ins, and remember preferences;
- Manage subscriptions, confirm entitlements, and send service or billing communications;
- Respond to support, privacy, and security requests;
- Understand product usage, diagnose errors, and improve performance and reliability;
- Protect the Services, investigate suspected abuse, and prevent fraud or unauthorized access;
- Enforce our agreements and protect the rights, safety, and property of Runrate, our users, and others; and
- Comply with applicable law, regulation, and valid legal process.
How We Share Information
We disclose information only as needed for the purposes described in this policy, including:
- At your direction or with your consent, including when you connect a financial institution through Plaid;
- With infrastructure and delivery providers that supply managed hosting, database, web delivery, and related services;
- With payment providers: Stripe and Link for web subscriptions, and Apple for App Store subscriptions;
- With service providers that help us operate and improve Runrate, including providers for product analytics, error and performance monitoring, and delivery of account and support messages; and
- When required by law, to protect rights or safety, or in connection with a merger, financing, acquisition, reorganization, or sale of all or part of the business.
Third-Party Services
Service providers process information under their own terms and privacy policies. Plaid provides the optional read-only connection between your financial institution and Runrate. Depending on your institution, authentication occurs with the institution through OAuth or within Plaid Link; Runrate does not receive your bank username, password, or security code. Payment information entered in a Stripe, Link, or Apple payment surface is processed by that provider. Closing a Runrate account does not automatically delete information a provider must retain for its own legal, fraud-prevention, accounting, or service obligations.
Data Security and Access
Runrate uses HTTPS/TLS for app and API traffic, encrypts production data at rest, and stores passwords as one-way hashes rather than in readable form. Production access is limited to authorized personnel and used only when needed to operate, secure, or support the Services. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.
Retention and Deletion
We retain information while your account is active and as needed to provide the Services, maintain security, resolve disputes, meet accounting or legal obligations, and enforce agreements. The current account-deletion action disables access and replaces the login email, but it does not immediately purge every financial, billing, analytics, or operational record. To request deletion beyond account closure, contact [email protected]. We will review the request and delete or de-identify eligible information, subject to legal and operational retention needs. Limited backup copies may remain until the infrastructure provider's recovery window rotates them out.
Children's Privacy
The Services are not intended for children under 13 or the minimum legal age to consent to personal-data processing in their jurisdiction, whichever is higher. We do not knowingly collect personal information from a child below that age without appropriate consent. Contact us if you believe a child has provided information so we can review and address it.
International Transfers
Runrate and its service providers may process information in the United States and other countries. Those locations may have data-protection laws different from those where you live. Where required, we use appropriate safeguards for international transfers.
Your Rights and Choices
Depending on where you live, you may have rights to access, correct, delete, restrict, object to, or receive a portable copy of certain personal information. You can update some profile information in Account settings. For other requests, email [email protected]. We may need to verify your identity before completing a request.
Contact Information
For questions, concerns, or privacy requests, contact:
Runrate LLC1603 Capitol Ave Ste 415PMB 134878Cheyenne, WY, 82001-4569United States of America Email: [email protected]Governing Law
This Privacy Policy is governed by the laws of the State of Wyoming, without regard to conflict-of-law principles, except where applicable privacy law provides otherwise.
California Privacy Rights
California residents may have rights under applicable California privacy law, including the right to:
- Know and access categories and specific pieces of personal information collected about them;
- Correct inaccurate personal information;
- Request deletion, subject to applicable exceptions; and
- Exercise privacy rights without unlawful discrimination.
Runrate does not sell personal information for money. To submit a California privacy request, use the contact information above. We may verify your identity and may retain information where an exception applies.
European Union and United Kingdom Privacy Rights
If EU or UK data-protection law applies to you, you may have the right to:
- Access, correct, or erase personal information;
- Restrict certain processing;
- Object to processing based on legitimate interests or for direct marketing;
- Receive certain information in a structured, commonly used, machine-readable format;
- Withdraw consent where consent is the basis for processing, without affecting prior lawful processing; and
- Lodge a complaint with a data-protection authority.
Contact us to exercise these rights. We may need to verify your identity, and rights may be limited by applicable exceptions. Runrate uses information to perform the Services you request, pursue legitimate interests such as security and product improvement, comply with law, and, where applicable, based on consent.
Privacy Contact
Runrate has not designated a separate Data Protection Officer. Privacy questions and requests are handled through [email protected].
Updating Your Information
You can update your name, email address, and other available settings in your account. You may also contact us to request a correction. We may retain prior values where required for security, legal compliance, or recordkeeping.
Security Reports and Support
For a suspected vulnerability, email [email protected] with the subject "Security report" or use the Support form. Include reproduction steps and possible impact, and do not access accounts or data you do not own. For ordinary support, use the same support channels. For privacy rights, use [email protected].
Privacy Policy Updates
We may update this policy as the Services, providers, or legal requirements change. We will revise the effective date and provide any additional notice required by law. We encourage you to review this page periodically.
Language
Translations are provided for convenience. If a translated version conflicts with the current English version, the English version controls to the extent permitted by law.
Marketing and Analytics Choices
You may unsubscribe from marketing email using the instructions in the message. We may still send account, billing, security, and other service communications. Device or browser settings may offer additional controls for cookies and analytics, but disabling necessary storage can prevent sign-in or preferences from working.
Legal Bases and Your Choices
Where required, we ask for consent. In other cases, we process information to provide the Services, comply with law, and pursue legitimate interests such as security, support, reliability, and product improvement. You may stop using the Services, close your account, or exercise applicable privacy rights as described above.
Severability
If a provision of this Privacy Policy is found invalid or unenforceable, the remaining provisions remain in effect, and the affected provision will be applied to the greatest extent permitted by law.
No Waiver
A failure to enforce a provision of this Privacy Policy does not waive the right to enforce it later.
Business Changes
If Runrate is involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, information may be transferred as part of that transaction, subject to applicable law and this policy or notice of a replacement policy.
Related Terms
This Privacy Policy should be read with our Terms of Use and any notices presented in the Services.