Tend

Privacy Policy

Last updated: January 14, 2026

This policy explains what data we collect, why we collect it, how we handle it, and your rights. We never sell your data - not for money, not for anything.

Key Points

  • We're a subscription business - our revenue comes from you, not from selling your data or showing ads
  • We collect only what's necessary to provide budgeting services
  • All sensitive financial data is encrypted at rest
  • You control your data and can delete it anytime
  • We use standard third-party services (Plaid, Stripe, etc.) to operate Tend

What we collect and why

Identity and access

When you sign up for Tend, we ask for your name and email address. This lets you personalize your account and allows us to send you essential product updates. We may occasionally send optional surveys to understand how you use Tend and improve it.

Billing information

If you subscribe to Tend, payment information goes directly to Stripe, our payment processor. We never see or store your credit card details. Stripe collects your payment card information to process your subscription. We only store your subscription ID and customer ID from Stripe.

For information on Stripe's data handling, see Stripe's Privacy Policy.

Financial data

Tend stores the financial transactions and account information you provide, either by:

  • Connecting your bank accounts through Plaid (our banking data provider)
  • Manually entering transactions

We store:

  • Transaction dates, amounts, and descriptions
  • Account names and balances
  • Bank names
  • Any classifications or notes you add to transactions
  • Your budget categories
  • Scheduled items on your calendar

All bank credentials are stored securely by Plaid - we only have read-only access to your transaction feed and balances. Plaid is a secure, industry-standard banking data provider. For information on how Plaid handles your data, see Plaid's Privacy Policy.

All sensitive financial data is encrypted at rest. This data can only be accessed by the running production application.

Multi-user account sharing

If you add other users to your budget (for example, a spouse or partner), all users with access to that budget can:

  • View all financial data in the budget
  • Add, edit, or delete transactions
  • See all account balances and transaction history

By adding another user to your budget, you authorize us to share all of your financial data with that user. All users in a shared budget have equal access to all data.

Account access logs

We log your IP address when you access your account for security and fraud prevention purposes. These logs are kept as long as your account is active.

Website analytics

We use Plausible Analytics to understand how people use our website. Plausible is privacy-focused and:

  • Doesn't use cookies
  • Doesn't track you across websites
  • Only collects basic, anonymous information (pages visited, referral sources)
  • Doesn't collect personal information

Email communications

We use Postmark to send transactional emails (password resets, receipts, account notifications). When you email us with questions, we keep that correspondence so we have context for future conversations.

Error monitoring

We use Appsignal to track application errors and performance issues. This helps us fix bugs and improve Tend's reliability. Appsignal may receive technical information like error messages and stack traces, but does not receive your financial data.

Cookies and tracking

Tend uses minimal cookies for essential functions:

  • Essential cookies: Required for login and account access

We do not use:

  • Advertising cookies
  • Retargeting cookies
  • Cross-site tracking
  • Third-party advertising networks

AI and automated processing

Current use

We currently categorize transactions using rule-based logic running on our servers. This helps automatically assign transactions to budget categories based on merchant names and patterns.

Future AI features

We plan to use AI services (such as large language models) to improve transaction categorization and provide spending insights. When we implement AI features:

  • We will update this policy
  • AI processing will only be used to help you manage your budget
  • We will not use AI to make decisions that significantly affect you without human review
  • You will have the right to object to automated processing

We do not currently use automated decision-making that produces legal effects or similarly significant effects concerning you.

When we access or share your information

Third-party services

We use these services to run Tend:

When we access your data

No human at Tend looks at your financial data except in rare cases where you've given explicit permission - for example, if you report a bug that requires us to examine your account to fix it.

We never sell your data

We have never and will never sell your data to anyone for any reason - not for money, not for anything else. This includes:

  • Your financial transaction data
  • Your personal information
  • Your usage patterns
  • Any other information about you

Targeted advertising and "sharing"

Some privacy laws define "selling" or "sharing" very broadly to include common website activities like using cookies for analytics or showing ads. To be absolutely clear:

  • We do not run ads on Tend
  • We do not share your financial data for advertising
  • We do not use retargeting or behavioral advertising
  • The only "sharing" we do is with the essential service providers listed above who help us run Tend

Legal requirements

Tend is a U.S. company. We will only disclose your data if compelled by valid legal process (warrant, subpoena, or court order). When legally permitted, we will notify you before disclosing your information.

We do not respond to data requests from foreign governments unless compelled through proper U.S. legal channels.

Business transfers

If Tend is acquired by or merges with another company, your information may be transferred. We will notify you before any of your information is transferred or becomes subject to a different privacy policy.

Your rights

You have the right to:

  • Access your personal information
  • Correct inaccurate information
  • Delete your account and all associated data
  • Request a copy of your data
  • Object to how your information is processed
  • Not be discriminated against for exercising these rights

How to exercise your rights:

  • Sign into your account to access or correct data
  • Delete your account in account settings
  • Email james@tend.cash to request a copy of your data
  • Email james@tend.cash for other requests

We will respond to verified requests within 45 days. We may need to verify your identity before processing requests.

Authorized agents

You may authorize someone to make requests on your behalf. To do this, provide your authorized agent with written permission, and we may request a copy when they make a request.

State-specific privacy rights

California, Colorado, Connecticut, and other U.S. state residents

If you reside in certain U.S. states, you may have additional rights under state privacy laws:

Categories of personal information we collect:

  • Identity data (name, email)
  • Financial data (transactions, balances, account information)
  • Device data (IP address, browser type)
  • Usage data (how you use Tend)

How we use this information:

  • Provide budgeting services
  • Process payments
  • Communicate with you
  • Improve our product
  • Comply with legal obligations

We do not:

  • Sell personal information for money
  • Share personal information for cross-context behavioral advertising
  • Use sensitive personal information for purposes other than providing our services

Sensitive personal information

Financial data is considered "sensitive" under certain state privacy laws. We use your sensitive financial information only to:

  • Provide budgeting services
  • Prevent fraud and security incidents
  • Comply with legal obligations
  • Perform services you reasonably expect

We do not use sensitive personal information to infer characteristics about you.

Your rights under state laws:

  • Request what personal information we have about you
  • Request correction of inaccurate information
  • Request deletion of your information
  • Opt out of "sales" or "sharing" (though we don't do either)
  • Receive information in a portable format

How to appeal a decision:

If we deny your request and you live in Colorado, Connecticut, or Virginia, you may appeal by emailing james@tend.cash with "Appeal" in the subject line. We will respond within 45 days. If we deny your appeal, you may contact your state's Attorney General.

Financial incentives

We may offer referral programs or other promotions that require providing personal information. Participation is voluntary. The value of your information in these programs is related to the value of the rewards we provide.

Data security

All data transmitted between your browser and our servers is encrypted via SSL/TLS. Sensitive financial data is encrypted at rest in our database using industry-standard encryption.

Our servers are located in the state of Oregon and provided by secure hosting providers.

Security measures include:

  • Encryption in transit and at rest
  • Regular security audits
  • Access controls and authentication
  • Monitoring for suspicious activity

No method of transmission or storage is completely secure. While we implement strong security measures, we cannot guarantee absolute security.

Data retention

Active accounts:
We keep your information as long as your account is active.

Expired trials:
Free trial accounts that are not upgraded will have their data retained for a minimum of 45 days after the trial ends, then permanently deleted.

Deleted accounts:
When you delete your account:

  • All data is permanently deleted from our database immediately
  • Data may persist in backups and caches for up to 60 days before being fully purged

Limited retention after deletion:
We may retain your email address after deletion to:

  • Confirm deletion of associated data
  • Prevent re-registration fraud
  • Comply with legal obligations

Legal requirements:
We may retain information longer if required by law, to resolve disputes, or to enforce our agreements.

Children's privacy

Tend is not intended for anyone under 18 years of age. We do not knowingly collect personal information from anyone under 18.

If you are under 18, do not:

  • Use Tend
  • Create an account
  • Provide any information to us

If we learn we have collected information from someone under 18, we will delete that information immediately.

If you believe we might have information from someone under 18, please contact us at james@tend.cash.

Location of data

Tend's servers are located in the United States. If you're outside the U.S., your information will be transferred to and stored in the U.S.

By using Tend, you consent to this transfer.

For users in the EU/UK:
If we collect data from users in the European Union or United Kingdom in the future, we will implement appropriate safeguards such as Standard Contractual Clauses to ensure your data is protected according to EU/UK standards.

Changes to this policy

We may update this policy to reflect new practices or legal requirements. Significant changes will be noted at the top of this page with an updated date.

For material changes, we will notify you via:

  • Email to your registered address
  • Notice in your Tend account
  • Prominent notice on our website

Continued use of Tend after changes means you accept the updated policy.

Cookie policy

What cookies we use:

Tend uses minimal cookies:

  • Session cookies (essential): Keep you logged in
  • Security cookies (essential): Prevent fraud and protect your account

What we don't use:

  • Advertising cookies
  • Social media cookies
  • Cross-site tracking cookies
  • Retargeting pixels
  • Analytics cookies

Your choices:
You can disable cookies in your browser settings, but essential cookies are required for Tend to function.

Contact us

Questions about this privacy policy?

Email: james@tend.cash

Mailing address:
Tend Cash LLC
3400 Cottage Way, Ste G2 #28889
Sacramento, CA 95825

For data subject requests:
Use the email above or your account settings

Additional required notices

Notice for California residents:

Under California Civil Code Section 1798.83, California residents may request information about our disclosure of personal information to third parties for direct marketing purposes. We do not share personal information with third parties for their direct marketing purposes.

Do Not Track signals:

Because we use minimal tracking (only privacy-focused Plausible Analytics), Do Not Track signals don't apply to Tend. We don't track you across websites or serve targeted ads.

Your California Privacy Rights:

California residents have specific rights under the CCPA. See the "State-specific privacy rights" section above for details.