Privacy Policy
Last updated: 15 June 2026
PayMind (“PayMind”, “we”, “us”) helps families track bills and manage payments. This policy explains what personal data we process, why, and your rights. It applies to the PayMind mobile apps (iOS and Android) and the web app at paymind.cloud.
Data controller: Softech Solutions, The Netherlands.
Contact: support@paymind.cloud
1. Information we collect
Account & identity.Email address and name/profile info, provided when you register or sign in. We support sign-in with email, Google, and Apple. With Google or Apple sign-in we receive your email and basic profile from the provider; we never receive your password. With Apple’s “Hide My Email” you may share a private relay address instead.
Financial information you enter. Bills, payments, amounts, due dates, descriptions, categories, expenses, installments, budgets, presets, and your chosen currency. This data is associated with your family/household so members you invite can see shared records.
Receipt images and AI processing. When you scan or upload a receipt, the image is processed to extract details (merchant, amount, date). To do this we send the image to our AI processing provider, Anthropic, which returns the extracted text. Images and extracted data are stored in your account so you can review and edit the resulting bill.
Device & technical data. A push-notification token (via Expo) if you enable notifications, used to send reminders and alerts, plus basic technical/diagnostic data needed to operate and secure the service.
Usage analytics. On our website and web app we use PostHog (hosted in the EU) to understand how the product is used — for example pages visited and features used (such as creating a bill or recording a payment), along with device/browser type and an approximate location derived from your IP address. We use this only to measure and improve the product; we never sell it or use it for advertising, and we never send your financial details (amounts, bill titles, or merchant names) to PostHog.
We do not collect your bank login credentials, card numbers, or connect to your bank accounts. PayMind is a manual bill-tracking tool, not a bank or payment processor.
2. How we use your data
- Provide the core service: record and display your bills, payments, budgets, and analytics.
- Process receipt images into structured bill data (AI OCR).
- Send notifications you’ve enabled (e.g. upcoming/overdue bill reminders).
- Share records among members of your family/household as you direct.
- Maintain security, prevent abuse, debug, and comply with legal obligations.
- Enforce plan limits (e.g. number of bills or receipt scans included in your plan).
We do not sell your personal data and do not use it for third-party advertising.
3. Sharing within your family
PayMind is multi-tenant by household. When you create or join a family, the financial records in that family are visible to its members. The family owner may manage members and settings. Only share a family with people you trust.
4. Service providers (sub-processors)
| Provider | Purpose | Data |
|---|---|---|
| Auth0 (Okta) | Authentication / sign-in | Email, profile, login events |
| Google / Apple | Optional social sign-in | Email, basic profile |
| Anthropic | AI receipt processing | Receipt images and extracted text |
| Stripe | Subscription billing (web only) | Billing identifiers (no card data stored by us) |
| Expo | Push notifications | Push token, notification content |
| PostHog (EU) | Product/usage analytics (website & web app) | Usage events, device/browser info, approximate location from IP |
| Cloud hosting & storage providers | Running the app, database and file/image storage | Account data, receipt images and documents |
| Email delivery provider | Transactional email | Email address, message content |
Some providers (e.g. Anthropic, Auth0) may process data outside your country — see “International transfers”.
5. Legal basis (GDPR)
Where the GDPR applies, we process your data on the basis of performance of a contract (to provide the app), legitimate interests (security, service improvement), consent (e.g. push notifications), and legal obligations. You can withdraw consent at any time.
6. Data retention
We keep your data only while your account is active. When you delete your account, your personal data is deleted — if your account no longer exists, neither does your data. The only exception is limited records we are legally required to keep (for example payment or tax records).
7. Deleting your account and data
You can delete your account and associated personal data at any time:
- In the app: Profile → Delete account.
- On the web: Settings → Danger zone → Delete account.
- Or email support@paymind.cloud and we will action your request.
Deleting your account removes your personal records; shared family data may be retained for remaining family members where you were not the sole member.
8. Your rights
Subject to applicable law (incl. GDPR), you may request to access, correct, export, or delete your data, restrict or object to processing, and lodge a complaint with your data protection authority. Contact support@paymind.cloud.
9. Security
We use industry-standard measures (encryption in transit, access controls, authentication via Auth0). No method is 100% secure, but we work to protect your data and will notify you and authorities of breaches as required by law.
10. International transfers
Some providers process data outside the EEA/your country (e.g. Anthropic and others in the United States). Where required, we rely on appropriate safeguards such as Standard Contractual Clauses.
11. Children
PayMind is not directed to children under 16 and we do not knowingly collect their data. If you believe a child has provided us data, contact us to remove it.
12. Changes to this policy
We may update this policy; we’ll post the new version here and update the “Last updated” date. Material changes will be communicated in-app or by email.
13. Contact
Softech Solutions
The Netherlands
Email: support@paymind.cloud