Effective Date: March 11, 2026 · Last Updated: March 11, 2026
Day One Foundry LLC, doing business as Dual Income ("we," "us," or "our"), operates the Dual Income mobile application (the "App"). This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you use the App.
By using the App, you agree to the collection and use of your information as described in this Privacy Policy. If you do not agree, please do not use the App.
Dual Income is a household wealth-tracking application designed for couples who combine finances. The App aggregates financial account data through Plaid, Inc. ("Plaid") to provide a unified view of your household's net worth, spending, income, and financial trends.
Dual Income is operated by Day One Foundry LLC, a California limited liability company.
When you create an account, we collect:
We do not collect or store passwords. Authentication is handled exclusively through Apple Sign In.
You may optionally provide:
When you connect financial accounts through Plaid, we receive and store:
We never receive, access, or store your bank login credentials. When you connect an account, you authenticate directly with your financial institution through Plaid's secure interface. Plaid provides us with a secure access token that allows us to retrieve account and transaction data on your behalf. This token is stored server-side only and is never exposed to the App on your device.
We calculate and store derived data based on your financial accounts, including:
You may manually add accounts for assets not connected through Plaid, such as real estate, vehicles, cryptocurrency, private stock, or retirement accounts. We store the account type, name, and value you provide.
We may collect:
We may use third-party analytics services to collect anonymized or aggregated usage data, such as which screens you visit, how frequently you open the App, and general interaction patterns. This data helps us understand how the App is used and improve the user experience. Analytics data is not linked to your financial account information.
We use your information for the following purposes:
| Purpose | Data Used |
|---|---|
| Authenticate your identity and manage your account | Apple ID, email, name |
| Display your household financial dashboard | Financial data, derived data, manual accounts |
| Enable household sharing with your partner | Account info, financial data, profile info |
| Send notifications you have opted into (e.g., large transactions, weekly recaps) | Financial data, push notification tokens |
| Manage your subscription | Apple ID, subscription status via Apple |
| Improve and maintain the App | Device info, log data, analytics |
| Measure advertising effectiveness | Advertising identifiers, attribution data |
| Respond to your support requests | Email, account info |
| Comply with legal obligations | As required by law |
We do not use your financial data to make lending decisions, provide financial advice, or for any purpose unrelated to delivering and improving the App.
We do not sell your personal information. We do not rent, lease, or trade your personal information to third parties for their marketing purposes.
We share your information only in the following limited circumstances:
If you join a household with a partner, your linked financial accounts, balances, transactions, and profile information are visible to your household partner within the App. This shared visibility is a core feature of the service.
We use the following third-party service providers to operate the App:
| Provider | Purpose | Data Shared |
|---|---|---|
| Plaid, Inc. | Financial account aggregation | Bank account access tokens (server-side). Plaid retrieves account and transaction data from your financial institutions on our behalf. Plaid's Privacy Policy |
| Supabase, Inc. | Backend infrastructure, database, authentication | All application data is stored in Supabase-hosted PostgreSQL databases with encryption at rest and row-level security. Supabase's Privacy Policy |
| Apple Inc. | Authentication (Sign in with Apple), subscription payments (In-App Purchase), push notifications (APNs) | Apple ID, subscription transactions, device push tokens. Apple's Privacy Policy |
These service providers are contractually obligated to use your data only to provide services to us and are subject to their own privacy policies linked above.
We may disclose your information if required to do so by law, regulation, legal process, or governmental request, or when we believe in good faith that disclosure is necessary to:
If Day One Foundry LLC is involved in a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction. We will notify you via email or prominent notice in the App before your information becomes subject to a different privacy policy.
We may work with advertising partners to measure the effectiveness of our marketing campaigns. This may involve:
We honor Apple's App Tracking Transparency (ATT) framework. If applicable, you will be prompted to allow or deny tracking before any advertising identifiers are shared with third parties. You can change this setting at any time in your device's Settings under Privacy & Security > Tracking.
We never share your financial data with advertising partners. Advertising attribution is limited to install and engagement metrics and is completely separate from your financial information.
We take the security of your data seriously and implement industry-standard measures to protect it:
While we strive to protect your personal information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security, but we are committed to promptly addressing any security incidents. In the event of a data breach affecting your personal information, we will notify you within 72 hours as required by applicable law.
Active accounts: We retain your data for as long as your account is active and as needed to provide you with the App's services.
Unlinking accounts: You can unlink any financial institution at any time through the App. When you unlink an institution, we revoke the associated Plaid access token, which prevents any further data retrieval from that institution. Previously synced transaction and account data associated with that institution may be retained until you delete your account.
Account deletion: You may delete your account at any time through the App's settings. When you delete your account:
We may retain certain information as required by law (e.g., transaction records for tax or regulatory purposes) or to resolve disputes, enforce our agreements, or for legitimate business purposes such as fraud prevention. Any retained data will be securely stored and used only for these limited purposes.
If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), provides you with specific rights regarding your personal information:
You have the right to request that we disclose to you the categories and specific pieces of personal information we have collected about you, the categories of sources from which we collected it, the business purpose for collecting it, and the categories of third parties with whom we share it.
You have the right to request that we delete your personal information, subject to certain exceptions permitted by law. You can delete your account directly through the App, or by contacting us at the email address below.
You have the right to request that we correct inaccurate personal information that we maintain about you.
We do not sell your personal information. We do not share your personal information for cross-context behavioral advertising purposes. Therefore, there is no need to opt out of such practices.
We will not discriminate against you for exercising any of your CCPA rights. We will not deny you services, charge you different prices, or provide a different quality of service because you exercised your privacy rights.
To exercise any of these rights, please contact us at support@dualincome.money. We will verify your identity before processing your request by confirming information associated with your account. We will respond to verifiable requests within 45 days.
Under the CCPA, we collect the following categories of personal information:
| CCPA Category | Examples | Sold? |
|---|---|---|
| Identifiers | Name, email address, Apple ID, device identifiers | No |
| Financial information | Bank account balances, transaction history, account types | No |
| Internet or electronic network activity | App usage data, log data, analytics | No |
| Inferences | Spending categories, net worth trends, savings rates | No |
With your permission, we may send you push notifications related to your financial activity, including:
You can enable or disable specific notification types within the App's settings, or disable all push notifications through your device's system settings at any time.
The App is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from individuals under 18 years of age. If we become aware that we have collected personal information from a person under 18, we will take steps to delete that information promptly. If you believe we may have collected information from someone under 18, please contact us at support@dualincome.money.
The App may contain links to third-party websites or services, including those of our service providers (Plaid, Apple). We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing them with your information.
Your use of Plaid's services to connect your financial accounts is subject to Plaid's End User Privacy Policy.
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:
Your continued use of the App after any changes to this Privacy Policy constitutes your acceptance of the updated policy.
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:
Day One Foundry LLC, dba Dual Income
Email: support@dualincome.money