Privacy Policy

Effective date: October 11, 2026Last updated: October 11, 2026

Who We Are & What This Policy Covers

MRB Consulting Services, LLC operates Chip In ("we," "us," or "our"). This policy covers our mobile apps, website, and related services, including visitors to the public website and people using the signed-in web app. Our Terms of Service govern use of Chip In.

1. Information We Collect

• Account and profile information: Information you provide when registering or updating your account, such as your name, email, profile image, and optional contact or payment-handle details. Firebase Authentication handles sign-in credentials and authentication identifiers.
• Connected financial information: When you authorize a Plaid connection, we receive supported account identifiers and details, balances, transactions, and recurring activity. Depending on the account and institution, this can include liability details, investment holdings, securities, and investment transactions. Chip In does not receive or store your online banking username or password. We store connection tokens and the financial information needed to provide the account features.
• Information you enter or choose to share: Manual accounts and transactions, category assignments, budgets, split percentages, recurring split rules, settlement records, notes attached to supported records, and partner-sharing preferences.
• AI interactions: Questions, relevant conversation context, feedback, and financial information used to generate AI-assisted responses, insights, and report summaries. Saved questions and answers may appear in your AI history.
• Subscription information: App-user identifiers, purchase and entitlement records, product and store details, and subscription status. RevenueCat also receives the name and email used to identify your subscription account. The app store processes your billing payment details; Chip In does not collect your full payment-card number for store purchases.
• Support and communications: Information you send in support requests and the recipient, content, and delivery information needed for account emails, alerts, and reminders.
• Technical and diagnostic information: Request and error logs, device or browser details, app version, network information such as IP address, and service activity needed to operate, troubleshoot, and protect Chip In. We use Azure Application Insights for service diagnostics.

What we receive depends on the features you use and your institution's data coverage. You do not need to connect an investment account, share with a partner, or use AI features to use other supported parts of Chip In.

2. How We Use Information

We use information to authenticate you; display and organize your accounts and transactions; calculate reports, budgets, splits, and estimates; apply your sharing choices; generate the insights you use; verify subscription access; deliver communications; respond to support requests; diagnose errors; prevent misuse; and meet applicable legal obligations.

We do not use your financial data to sell advertising or build profiles for third-party advertising.

3. Sharing You Control

Private by default. Shared by choice. Linking a financial account does not automatically make it visible to your partner. Sharing settings determine the accounts and data types they can see. Splits and settlement records you choose to share are visible to the relevant partner.

You can change permissions or disconnect your partner. Removing access does not erase information they already viewed, exported, or independently recorded. An export or message you choose to send outside Chip In is subject to the recipient's handling and the service you choose.

4. Processing Needed to Run Chip In

We do not give third parties your personal information or financial data for their advertising, data brokerage, or independent commercial use. Chip In uses the following services for specific operating functions. They process information needed for those functions; this is not the sale or rental of your data.

• Plaid — financial-account connections: Processes the information you authorize through its connection flow and provides supported financial data to Chip In. Bank credentials, when required, are handled by Plaid or your institution, not Chip In. Review Plaid's End User Privacy Policy and manage Plaid connections through Plaid Portal.
• Firebase Authentication — sign-in: Processes authentication information such as your email, account identifier, and credentials used with its sign-in flow. It is not Chip In's financial-record database. See Firebase's privacy information.
• Microsoft Azure — hosting, storage, diagnostics, and AI: Hosts Chip In's services and databases, including personal and financial records, and processes service diagnostics. Azure-hosted AI processes questions, relevant context, and financial information used for the AI features you use. See Microsoft's AI data-privacy information.
• RevenueCat and the app stores — subscriptions: Process identifiers, name and email, purchase details, and subscription status so we can provide paid access. They do not need your connected bank balances, transactions, or holdings to verify a Chip In subscription. See RevenueCat's Privacy Policy and the billing store's policy.
• Mailgun — email delivery: Processes recipient addresses, message content, and delivery information for emails we send, including any financial details included in an alert or summary you receive. See Mailgun's Privacy Policy.

Service providers have their own privacy terms for the services they deliver. We do not grant advertisers or data brokers access to your Chip In financial records.

5. AI Features

Chip In Intelligence and other AI-assisted features use your questions and relevant financial context to generate responses. Depending on the feature, that context can include display names, account information, merchants, transactions, recurring activity, splits, and report facts. Partner information is included according to applicable sharing permissions.

AI processing is part of delivering these features, not a sale of financial data. Avoid entering banking passwords, payment-card details, or other secrets in a question. AI answers can be inaccurate; verify them before making decisions.

6. External Payments & Links

Chip In can open Venmo or Cash App with payment details you choose and record settlements made outside Chip In, including cash or check. The external provider receives the details passed to it for that action and handles the actual payment under its own terms. Chip In does not process, hold, or transfer money. Other external links are governed by the destination's privacy practices.

7. Cookies & Local Storage

The web app uses an authentication cookie to maintain your signed-in session. Browser and app storage also keep settings such as theme, accessibility preferences, and supported cached data. These functions support the experience you request. Blocking cookies or clearing storage can sign you out or reset preferences. Chip In does not use these functions to share your financial data for targeted advertising.

8. Retention, Disconnection & Account Deletion

We retain information needed to provide your account and selected features, maintain security and billing records, resolve support issues, and meet legal obligations. Retention depends on the type of record and its purpose; we do not promise that all records disappear immediately when an account is closed.

You can remove connected accounts through account management. To close your Chip In account, use Account > Delete Account in the mobile app, or contact support@chipin.mobi if you cannot access it. The deletion process deactivates your account, ends the partner connection and shared access, disables recurring split rules, removes Plaid connections, and cleans up associated connected-account data. Failed connection removals or cleanup steps may need retries.

Some account, billing, support, security, and other records can remain after deactivation; backup copies may also remain until they expire. Contact us to request deletion of remaining personal information, subject to applicable law and necessary retention. Removing a Chip In connection does not close your bank account or necessarily erase records held independently by Plaid, your institution, or an app store.

Deleting your Chip In account or uninstalling the app does not cancel a store subscription. Cancel it separately through Apple or Google Play.

Inactive Free accounts may be removed after advance warning emails. The notice explains the deadline and how signing in prevents removal. Removal can include bank connections and related data. An expired subscription alone does not delete your data; inactivity and account deletion are separate processes.

9. Security

We use HTTPS communication, authenticated access to Chip In services, and access controls for hosted data. Bank login credentials are handled by Plaid or your financial institution rather than stored by Chip In. Protect your password and device, and report suspected unauthorized access to support@chipin.mobi. No electronic service can guarantee absolute security.

10. Your Choices & Privacy Requests

• Profile and sharing: Update supported profile details and change partner-sharing settings in the app.
• Connections: Remove connected accounts in account management and review authorizations with Plaid or your institution.
• Communications: Adjust supported notification settings or use unsubscribe options where provided. Essential account, security, and billing messages may still be necessary.
• AI and exports: Choose whether to use AI features or export information, and check what is included before sending an export to someone else.
• Access, correction, and deletion: Contact us to request access to, correction of, or deletion of personal information. Depending on where you live and which laws apply, you may also have rights to a copy of your data, to restrict or object to processing, or to appeal a privacy-request decision.

Send requests to support@chipin.mobi. We may verify your identity and authority before acting, and will respond according to applicable law. We do not require you to opt out of a sale of financial data: we do not sell it or share it for targeted advertising.

11. Legal Requirements

We may disclose information when required by applicable law or a valid legal process, or when necessary to address fraud, a security incident, or a threat to users' safety or our legal rights. This is not permission to sell financial data or provide it for third-party advertising.

12. Age Requirements

Chip In is intended for adults aged 18 or older, or the age of majority where they live if higher. It is not directed to children. If you believe a child has provided personal information, contact support@chipin.mobi so we can investigate and take appropriate action.

13. Where Information Is Processed

Chip In and its service providers may process information in the United States or other locations where their services operate. Privacy laws may differ from those where you live. We handle information under this policy and applicable legal requirements.

14. Changes to This Policy

We may update this policy when our features or data practices change. We update the dates above and provide additional notice or obtain consent for material changes where required by law.

15. Contact Us