Privacy Policy

Effective July 13, 2026

The short version: Paqid does not link to your bank, does not sell or share your data, and does not run ad or analytics trackers. You type in your own transactions; that information is yours. We collect only what's needed to run your account.

Who we are

Paqid is a privacy-first budgeting tool operated by Andy Hatfield ("we," "us"). You can reach us any time at support@paqid.app.

What we collect

Account details — your email address and a securely hashed version of your password. We never store your password in plain text.
The budgeting information you enter — the accounts, categories, transactions, amounts, payees, and notes you type in yourself. Paqid does not connect to your bank, and we never see or import your bank credentials or bank statements.
Basic technical data — standard server logs (such as IP address and request times) used to operate and secure the service.

Cookies

We use a small number of strictly-functional cookies: one to keep you signed in, and one to remember whether you prefer the mobile or desktop layout. We do not use advertising or cross-site tracking cookies.

How we use your information

To provide the service — sign you in, store and display your budget, send you a password-reset email if you request one, and keep the app secure and working. That's it. We do not use your financial information to market to you.

What we never do

We do not sell your data.
We do not share your data with advertisers or data brokers.
We do not link to your bank or download your transactions.

Where your data lives

Paqid is hosted on Railway (in the United States). Encrypted backups of the database are stored with Cloudflare R2. If you use the password-reset feature, the reset email is delivered through a transactional email provider. These providers process data only to host the service on our behalf.

Keeping it (and deleting it)

We keep your information for as long as you have an account. You can ask us to delete your account and its data at any time by emailing support@paqid.app; deleting an account permanently removes its budgets and transactions.

Security

We protect your data with industry-standard measures — passwords hashed with PBKDF2, encryption in transit (HTTPS), per-user data isolation, and off-site encrypted backups. No online service can be guaranteed 100% secure, but we take reasonable care to protect your information.

Children

Paqid is not intended for children under 13, and we do not knowingly collect information from them.

Changes

We may update this policy from time to time; the effective date above will change when we do.

Contact

Questions about privacy? Email support@paqid.app.

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