Privacy Policy
Nest Egg (“we,” “us,” “Nest Egg”) is a personal finance companion operated by Artunisia LLC, a California limited liability company (1349 Minna St., San Francisco, CA 94103). Nest Egg helps you visualize savings goals (“Nests”), optionally link accounts via Plaid, and chat with an in-app companion (Birdy). Nest Egg is not a bank, broker-dealer, investment adviser, or tax service. We do not sell your personal data, show third-party ads, or use your data for advertising tracking.
1. Information we collect
Account & authentication
- Email address and authentication credentials when you create an account (email/password, magic link, and/or Sign in with Apple when enabled).
- Display name and profile fields you choose in the app.
- Session data needed to keep you signed in (handled by our auth provider).
On-device Face ID / biometrics (optional)
- If you enable Face ID / biometric unlock, your email and password for Nest Egg are stored in the device Keychain / Keystore (via Apple’s secure storage on iOS). We do not receive your biometric templates (face/fingerprint data stays on device).
App content you create
- Goals, Nests, paycheck / nest settings, and other app state you create.
- Chat messages with Birdy / Uncle VT and any short memory notes stored for continuity.
- Optional partner nest label (currently a name you enter on your device for sharing UI — not a full second-user account system unless we say otherwise in a future update).
Linked financial accounts (optional — via Plaid)
If you connect a bank or brokerage through Plaid, we receive read-oriented financial data Plaid provides so Nest Egg can show your money life in one place. That typically includes:
- Institution name and linked account metadata (name, type/subtype, mask/last digits).
- Balances and related fields Plaid returns for those accounts.
- Transaction history (dates, amounts, merchant/name, categories, pending status).
We never see or store your bank password. That stays with Plaid and your institution. Nest Egg stores Plaid access tokens on our servers only (not in the app binary) so we can refresh data. Nest Egg does not move money, initiate transfers, or change contributions at your bank. You can skip linking and use manual entry paths instead.
Technical & device information
- Basic technical info needed to run the service (e.g. app version, platform, error signals).
- Website hosting logs on mynestegg.org (typical web server / CDN request metadata).
2. How we use information
- Operate Nest Egg: authentication, syncing your app state, showing balances/Nests, pay-period leftovers, and educational content.
- Refresh linked-account data when you connect, sync, or when Plaid notifies us of updates.
- Generate Birdy / Uncle VT replies (AI processing of your chat messages and a grounded financial snapshot from your app data — income, balances, nests, and similar fields you’ve entered or linked — sent to our AI provider for that reply only).
- Send transactional email (sign-in links, essential account messages).
- Maintain security, prevent abuse, and fix bugs.
We do not sell personal information, rent marketing lists, or use your financial data for third-party advertising.
3. Financial & investment content
Nest Egg may show educational content (including “VT + Chill” / Uncle VT). That content is not personalized investment, tax, or legal advice. Talk to a licensed professional before making investment decisions. Projections and nest progress are estimates based on data available to the app — they can be wrong or incomplete.
4. Service providers (processors)
We use trusted processors to run Nest Egg, including:
- Supabase — authentication, database, and backend (Edge) functions.
- Plaid — bank linking (also subject to Plaid’s privacy policy).
- Anthropic — processing chat messages to generate Birdy / Uncle VT replies.
- Resend (or similar) — transactional email.
- Cloudflare — hosting for mynestegg.org.
- Apple — App Store / TestFlight distribution; Face ID / Keychain on device.
They process data only as needed to provide their services to us, under their terms and ours. For API-based AI processing, we use Anthropic’s commercial API; retention and training use are governed by Anthropic’s terms for API customers as in effect when you use the feature.
5. Sharing
We share personal information only:
- With the processors above (to operate the service).
- If required by law, legal process, or to protect rights, safety, and security.
- In a merger, acquisition, or asset transfer (with notice where appropriate).
We do not sell personal information as that term is commonly understood under U.S. state privacy laws.
6. Retention
We keep account and app data while your account is active. Deleting the account removes the login, the saved rows, and asks Plaid to remove the bank connection. The retention rule is in the security policy. Backups may linger for a short time. There is no separate archive of deleted accounts.
7. Your choices & deletion
- Skip bank linking and use self-reported info where the app allows.
- Disconnect institutions via the app / Plaid flows where available.
- Disable Face ID unlock and clear saved credentials on device from Nest Egg sign-out / settings flows when available.
- Delete your account: in the Nest Egg app, open Account and choose Delete my account. You can also email hello@mynestegg.org from your account email with subject “Delete my account.” We will delete or anonymize personal data we control (app state, linked Plaid items we store, chat content we store) within a reasonable time, except where law requires retention.
In-app deletion removes your auth account and associated Nest Egg data we control, and revokes linked Plaid connections when possible.
8. Security
We use HTTPS in transit. The database host encrypts its disks. Plaid access tokens are encrypted again before they are stored, and they are not readable by the app. Sign-in asks for a password and then a code sent to that email before a bank can be connected. Optional Face ID only unlocks a password saved in the iPhone Keychain. The security policy names who to contact if there is a breach. No method of transmission or storage is 100% secure.
9. Children
Nest Egg is not directed to children under 13 (or the minimum age required in your region). We do not knowingly collect their data. The App Store age rating may be 17+ based on Apple’s questionnaire even though the service is not directed to children under 13.
10. U.S. state privacy rights (including California)
Depending on where you live, you may have rights to request access, correction, or deletion of personal information, and to appeal a denial. To exercise these rights, email hello@mynestegg.org. We will not discriminate against you for exercising privacy rights. Nest Egg does not “sell” or “share” personal information for cross-contextual behavioral advertising.
11. International users
Servers and providers may be located in the United States (and other places our processors operate). If you use Nest Egg from elsewhere, your information may be processed in those locations.
12. Changes
We may update this policy. We will change the effective / updated date above and, for material changes, provide additional notice in the app or by email when appropriate.
13. Contact
Artunisia LLC (operating Nest Egg)
1349 Minna St., San Francisco, CA 94103
hello@mynestegg.org ·
www.mynestegg.org