Privacy notice
Effective September 14, 2026 · Version 2026-09-14
Who operates this service
R Family Financial is operated by R Group Property Business LLC. This notice covers rfamilyfinancialapp.com and its installable web app. Contact Rina Peralta, President, through the privacy email below.
Information we collect and why
We use your sign-in email, chosen name and authentication information to manage your account. You may enter accounts, transactions, budgets, goals, debts, reminders, investments, contract text, credit scores and company details. These support the features you choose. Business profiles collect only the last four EIN digits, not the full EIN. Do not enter SSNs, full card numbers, bank passwords or identity documents into notes or AI chat. Hosting and authentication providers also process technical information such as IP addresses, request metadata and security logs.
Bank connections and credit reports
Where enabled, Plaid and your bank handle bank sign-in and consent. The app receives connection tokens, account information, balances and transactions, not your bank password. Refreshes happen when you connect or choose Sync; this is not continuous guaranteed monitoring. Real bank access is awaiting provider approval. Personal and business scores are currently manual records; no credit bureau integration is active and saving a profile does not request a report. Any future provider integration will require an updated disclosure and its applicable identity/consent steps.
Service providers and sharing
Supabase provides authentication and database hosting; Vercel hosts the app. Plaid processes enabled bank connections. OpenAI processes AI requests only when you choose to send them. Resend and browser/operating-system push services deliver notices when configured and enabled by you. Providers receive data needed for their services and may keep security or operational records under their terms. We do not sell user financial information or use it for targeted advertising in this service. We may disclose information when required by law or necessary to address fraud, security incidents or legal claims. Other users do not receive access to your private profile merely by joining the app. Authorized administrators and processors may access data for necessary service operations and support; this is not end-to-end encryption that hides all data from the operator.
Smart AI and optional sharing
Sending chat text to OpenAI requires your consent. You separately choose whether to include a financial summary and enable web search. The summary omits names, full account identifiers, EIN digits and bank tokens, but text you type may itself contain personal information. Do not include secrets. The app does not persist chat history and requests non-storage of generated responses; this does not promise zero retention by the provider. Web search may communicate query information to search providers. AI use is optional.
Cookies, devices and notifications
Authentication cookies keep you signed in. Temporary browser storage supports bank connection flows. The service worker caches only a generic offline screen, not your financial pages. The current app has no advertising trackers installed. If you enable phone notices, we store the push endpoint and subscription keys; email notices use your verified sign-in email. Notices are optional and can be disabled in Notifications. No SMS delivery is currently enabled.
Retention, deletion and your choices
Your saved records remain while your account is maintained; disconnecting a bank revokes the connection but does not erase imported history. Manage my data lets you download the app records covered by its export and submit an access, correction or deletion request. Deletion is a reviewed request, not an instant erase button. We may need to verify ownership and assess legal retention requirements before fulfilling it. Backups and provider logs may remain for their retention periods; we do not promise immediate deletion from every backup. Contact us for records not covered by the export or to exercise rights available under applicable law. We do not require you to buy access to submit a privacy request.
Smart AI preferences and dictation — updated September 16, 2026
Smart AI sharing preferences are saved in your account and can be changed in the chat. Sharing income and spending summaries is a separate optional choice. These summaries include recorded category totals by week, month and year, with personal and business activity separated. Dictation uses your browser speech service, which may send audio to its provider. The app does not store that audio. Recognized text stays in the message field until you choose Send.
Security, audience and changes
We use encrypted transport, database access rules and server-side handling of provider credentials. No service can guarantee complete protection from unauthorized access or loss. This US pilot is intended for adults 18 and older, not children. Service providers may process data in the United States and other locations under their own terms. We will date changes to this notice and provide additional notice or consent when required; new optional sharing will not be treated as consented to merely because you used an earlier version.