Effective Date: March 23, 2026 · Last Updated: October 5, 2026
Treedy is operated by Brainwave LLC ("Treedy," "Brainwave LLC," "we," "our," or "us"). This Privacy Policy describes how we collect, use, disclose, store, and protect information when you access or use the Treedy platform, including our mobile applications, websites, APIs, and related financial technology services.
Treedy is a financial technology platform designed to help users manage debt repayment, savings, and financial wellness through connected financial accounts and automated financial tools.
Treedy is not a bank. Banking services may be provided by partner financial institutions. Treedy does not hold or custody customer funds.
By accessing or using Treedy, you acknowledge that you have read and understood this Privacy Policy.
We may collect information you provide directly to us, including:
When you connect financial accounts through Plaid or other financial service providers, we may receive:
Treedy accesses financial account information only with your authorization.
We may automatically collect:
We may use cookies, SDKs, analytics tools, and similar technologies to:
You may manage certain cookie settings through your browser or device settings.
We use information for legitimate business purposes, including:
We do not sell personal financial information to third parties.
We share information with trusted service providers that help us operate our platform, including:
These providers are contractually obligated to safeguard information and may only use data as necessary to provide services to Treedy.
We may share information with financial institutions or financial infrastructure providers necessary to facilitate authorized financial workflows.
We may disclose information when required to:
In connection with a merger, acquisition, financing, or sale of assets, information may be transferred as permitted by law.
When you give us your mobile number, Treedy uses it to send you verification codes and messages about your account, such as security alerts and round-up or payment notifications. Message frequency varies with your account activity.
We do not sell, rent or share your mobile number or SMS opt-in consent with third parties or affiliates for their marketing or promotional purposes. Your number is shared only with the provider that delivers our messages (Twilio), and only to send them.
You can stop text messages at any time by replying STOP, and get help by replying HELP or emailing support@treedy.life. Message and data rates may apply.
We retain information only as long as necessary for:
Security logs and operational records may be retained for a minimum of 12 months.
When information is no longer required, we securely delete or anonymize it.
Treedy maintains administrative, technical, and physical safeguards designed to protect information from unauthorized access, disclosure, alteration, or destruction.
Security measures may include:
Despite our efforts, no method of electronic transmission or storage is completely secure.
Depending on your jurisdiction, you may have rights to:
You may also disconnect linked financial accounts through supported integrations.
Requests may be submitted to: security@treedy.life
Treedy is not directed to individuals under the age of 18, and we do not knowingly collect information from children.
Treedy may integrate with third-party services, including Plaid and other financial infrastructure providers.
Your use of those services may also be subject to their privacy policies and terms.
Plaid's privacy policy is available at: https://plaid.com/legal/#privacy-policy
Information may be processed and stored in the United States or other jurisdictions where our service providers operate.
By using Treedy, you acknowledge that your information may be transferred to jurisdictions with different data protection laws.
If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA) and other applicable laws.
Treedy does not sell personal information as defined under the CCPA.
California residents may request:
Requests may be submitted to: security@treedy.life
We may update this Privacy Policy periodically.
When material changes are made, we may provide notice through the application, website, or by other appropriate means.
The updated version will include a revised effective date.
If you have questions regarding this Privacy Policy or our privacy practices, you may contact:
Brainwave LLC
Treedy Privacy Team
Email: security@treedy.life
Treedy uses Plaid Inc. ("Plaid") to enable users to securely connect financial accounts.
By using Plaid services within Treedy, you grant Treedy and Plaid the right, power, and authority to access and transmit your financial information as reasonably necessary to provide authorized services.
Information obtained from Plaid may include financial account information, balances, transaction history, and account ownership details.
Plaid's End User Privacy Policy is available at: https://plaid.com/legal/#end-user-privacy-policy