Subsaver is a subscription tracking app that connects to your bank via Plaid to detect recurring charges. To use Subsaver, you create an account with your email address and verify it with a one-time code. This policy explains exactly what data we collect, how we use it, and what rights you have over it.
"Subsaver", "we", "our", "us" refers to the team that operates the Subsaver mobile application. Our service helps you identify and manage recurring subscription charges by reading your bank transaction data through Plaid, a regulated third-party financial data platform.
Contact: Subsaver_feedback@outlook.com
To use Subsaver, you create an account using your email address. Account registration involves two steps:
Your account email is the primary identifier we use to associate your subscription data and bank connections with your account. If you delete your account, all associated data is permanently removed from our systems within 30 days.
If you delete the Subsaver app without first deleting your account, your Plaid bank connections may remain active. We recommend disconnecting your bank accounts in-app before uninstalling. You can also manage all Plaid connections at my.plaid.com.
When you connect a bank account, Subsaver receives the following data from Plaid's API on your behalf. This is the complete list:
| Data Type | Accessed? | Why | Where Stored |
|---|---|---|---|
| Transaction records Merchant name, amount, date, category |
✓ Yes | Core function: identify recurring subscription charges | Subscription metadata stored locally on device only |
| Account display name & type e.g. "Chase Checking" |
✓ Yes | Show which account each subscription is billed to | Locally on device |
| Account balance | ✓ Yes | Show upcoming subscription cost in context of available balance | Not persisted — fetched on demand only |
| Bank login credentials | ✗ Never | You authenticate on Plaid's screen — credentials never reach Subsaver | Never |
| Full account / routing numbers | ✗ Never | Not needed for subscription detection | Never |
| Investment, loan, or mortgage data | ✗ Never | Outside scope of subscription management | Never |
| SSN, government ID, personal identity | ✗ Never | Not required for our service | Never |
| Data sold to third parties | ✗ Never | Your financial data is yours. We do not sell, share, or monetize it. | — |
By linking a bank account, you also agree to Plaid's End User Privacy Policy. You can review and revoke all Plaid-connected apps at my.plaid.com.
We do not use your financial data for advertising, profiling, credit scoring, or any purpose unrelated to providing you with the Subsaver service.
Subsaver uses Plaid, Inc. to connect to your bank accounts. When you tap "Connect Bank", you are presented with Plaid Link — Plaid's own secure interface. Your bank credentials are entered directly on Plaid's interface and are never transmitted to or stored by Subsaver.
Plaid exchanges your credentials for a secure access token, which is stored locally on your device. Subsaver uses this token to request only the transaction data described in Section 3.1 above.
In accordance with Plaid's requirements, by using Subsaver you grant Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your financial institution according to Plaid's End User Privacy Policy.
We do not sell, rent, or trade your data. We share data only in the following limited circumstances:
Most of your data — including the Plaid access token and detected subscription details — is stored locally on your device. For any data that passes through our backend, we implement:
We retain your account data and subscription metadata only as long as your account is active. If your account has not been used for 12 months, we will notify you before purging associated data. Data you delete in-app is removed immediately, and account deletion requests are completed within 30 days.
Key retention periods at a glance: Plaid access tokens are held only for the duration of your active bank connection. Transaction metadata is retained for the life of the linked account plus 30 days. Email OTP codes expire after 10 minutes. Auth logs are purged after 90 days. Backup copies are rotated and deleted within 30 days.
For full details on data categories, retention schedules, disposal methods, and the step-by-step deletion process, see our Data Retention and Disposal Policy.
If you are a California resident, you have the following rights under the California Consumer Privacy Act:
To exercise any of these rights, email Subsaver_feedback@outlook.com from the email address associated with your Subsaver account so we can verify your identity and locate your data.
Subsaver is not directed at children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided financial data through the app, please contact us at Subsaver_feedback@outlook.com and we will promptly delete it.
We may update this Privacy Policy. We will notify you of material changes via in-app notification or, if you are on our waitlist, by email, at least 30 days before changes take effect. Continued use of the app after the effective date constitutes acceptance.
For all privacy questions, data requests, or concerns about this policy:
📧 Subsaver_feedback@outlook.com
We respond to all privacy requests within 30 days.