We believe that you should have access to and control over your data. You can export all your transactional data, including categories.
Your personal Per Diem financial account data, such as budgets and transactions, is only accessed by the Per Diem team when necessary to provide the Per Diem services, like when you request support for a data issue. We use aggregated and anonymized data for internal analytics and business purposes – you can read our Privacy Policy for more information.
We employ a number of security measures to help keep your data safe, including 256-bit encryption to protect it at rest and Transport Layer Security (TLS) to protect it in transit. In other words, your data is encrypted while it is being stored and while interacting with our servers. And we do not see or store your bank login credentials because we partner with trusted data aggregators, like Plaid, to connect to your financial institutions. Per Diem works with third party vendors who adhere to industry security standards. You can read more about Plaid's security policies on their website.
Per Diem’s direct OAuth integrations for Coinbase meet the same data security requirements. OAuth allows us to connect directly with your bank rather than importing your account and transaction data via an aggregator. We do not see or store your OAuth login credentials either.
If you choose to integrate Venmo, we do not have direct access to your Venmo account. Instead, we simply process the emails you forward to us. Remember that you can stop forwarding us your emails at any time, or even restrict what emails you decide to forward.
You can delete your Per Diem account at any time from the Settings menu, or by sending a request via app support or to privacy@perdiem.app. If you delete your account, we do not keep any of your linked financial data or Per Diem account data (email address, budgets, etc.), except in the limited circumstances where required by law, to resolve disputes, protect Per Diem and our users, and enforce our agreements. Where Per Diem has no such obligations, the data will be completely removed from all our internal systems, including backups, within 60 days.
Deleting your Per Diem account and canceling your app subscription are two separate actions, as subscriptions are managed by third parties.
Per Diem’s infrastructure is built on Heroku and AWS, which are used by leading financial companies worldwide. Heroku and AWS adhere to industry standard security, privacy and compliance controls, including:
We use Multi-Factor Authentication (MFA) on all internal systems and incorporate MFA support and mobile device management into our company devices.
We also know that security isn’t a “set it and forget it” sort of thing, which is why we regularly conduct application penetration tests to identify and, as needed, mitigate vulnerabilities or risks in our systems.
Our only focus is on building tools that help you improve your finances. We respect your privacy, so we give you transparency and control over your data and keep it private. We don’t like it when we start seeing online ads for things we recently bought, so we do not sell your personal data to third parties so that they can advertise products to you.
Our Privacy Policy comprehensively details our data practices, but we understand that legal documents aren’t everyone’s favorite thing to read. That’s why we have this page to provide you with a straightforward summary of how we think about your data.
We’ll keep this page up-to-date and let you know if anything big changes with our practices. We’re also available if you have any questions or concerns. You can always contact us through in-app chat or at privacy@perdiem.app.