Subsaver is a subscription tracking app that connects to your bank via Plaid to detect recurring charges. Subsaver does not require you to create an account or provide a username and password. 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: Spark_Connect@outlook.com
Subsaver operates without a user account system. This means:
Because there is no account, if you delete the Subsaver app without first disconnecting your bank, your Plaid access token will be removed from your device but the underlying Plaid Item may remain active. We recommend disconnecting your bank 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 collect your name, email address, phone number, or any other personally identifying information through the app itself (unless you voluntarily contact us).
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 backend data (anonymous device identifier and subscription metadata) only as long as you are actively using the app. If the app has not been used for 12 months, we will purge associated backend data. Data you delete in-app is removed immediately.
If you are a California resident, you have the following rights under the California Consumer Privacy Act:
To exercise any of these rights, email Spark_Connect@outlook.com. Because Subsaver does not maintain user accounts, please include your anonymous device identifier (found in Settings → About) so we can 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 Spark_Connect@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:
We respond to all privacy requests within 30 days.