10Yad Privacy Policy

Effective Date: February 12, 2026

10Yad Privacy Policy Effective Date: February 12, 2026 1. Introduction and Scope Welcome to 10Yad ("Company," "we," "us," or "our"). We are committed to protecting your privacy and ensuring the security of your personal and financial information. 10Yad is a comprehensive wellness application designed to assist clients in achieving financial health through online and offline budgeting, financial tracking, and a host of related wellness services (collectively, the "Services"). This Privacy Policy ("Policy") explains who we are, how we collect, share, and use personal information about you, and how you can exercise your privacy rights. This Policy applies to all individuals who access our website, download our mobile application, or use our Services ("Users" or "you"). By using 10Yad, you agree to the collection and use of information in accordance with this Policy. If you do not agree with the terms of this Policy, please do not use our Services.

2. Information We Collect

To provide our comprehensive wellness and budgeting services, we must collect information that identifies you or can be used to identify you ("Personal Information"). We collect this data from various sources: directly from you, automatically through your device, and from third-party financial integrators like Integration Partners.

2.1 Information You Provide Directly

When you register for an account, use our "offline" manual tracking features, or communicate with us, you provide specific data, including:

Identity Data: Your full name, date of birth, gender, and other identifiers required to verify your identity.
Contact Data: Your email address, mailing address, and telephone number.
Account Credentials: The username and password you create for your 10Yad account. Note: We do not store the credentials (usernames/passwords) for your linked bank accounts; those are handled directly by our third-party provider, Integration Partners.
Financial Wellness Profile: Information regarding your financial goals, budgeting habits, debt levels, and stress factors related to finances. This allows us to tailor our wellness services to your specific needs.
Manual ("Offline") Transaction Data: To support offline budgeting, we collect data you manually enter into the app, such as cash expenditures, physical checks, manual account balances, and categorized spending notes.
Customer Support Data: Information you provide when you contact our support team, including chat transcripts, emails, and details of the issues you are experiencing.

2.2 Information Collected via Third-Party Integrations (Integration Partners)

A core feature of 10Yad is the ability to link your bank accounts for real-time budgeting. We use Integration Partners Inc. ("Integration Partners") to facilitate this connection. When you link a financial institution to our Services, you are authorizing us and Integration Partners to access and transmit your financial data.

Specific Data Collected by Integration Partners and Shared with Us: By using our Services, you acknowledge that Integration Partners will collect the following on our behalf, which we then process:

Account Information: Account names, types (e.g., checking, savings, credit card), and account numbers (masked or tokenized).
Balance Data: Current and available balances, including overdraft limits.
Transaction Data: Comprehensive history of your transactions, including amount, date, payee/merchant name, transaction categories, and location data of the merchant.
Identity Verification Data: Information such as the name, address, email, and phone number associated with your bank account to verify ownership.
For more information on how Integration Partners collects and uses your data, please refer to the Integration Partners End User Privacy Policy at: https://Integrationpartners.com/legal/#end-user-privacy-policy .

2.3 Information Collected Automatically

When you access 10Yad via our website or mobile app, we automatically collect certain technical information from your device:

Device Data: Information about your mobile device or computer, including hardware model, operating system version, unique device identifiers (e.g., IDFA, Android ID), and mobile network information.
Log Data: Server logs that may include your IP address, browser type, referring/exit pages, date/time stamps, and clickstream data.
Usage Data: Details about how you use the app, such as which budgeting features you access most frequently, the duration of your sessions, and crash reports.
Location Data: We may collect general location data (derived from IP address) to provide localized content. We do not collect precise GPS location unless you explicitly grant permission for specific features (e.g., finding nearby ATMs).

2.4 Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to track the activity on our Service and store certain information.

Essential Cookies: Necessary for the operation of the app (e.g., keeping you logged in).
Analytics Cookies: Help us understand how users interact with the Service so we can improve it.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

3. How We Use Your Information

We use the collected information for the following specific purposes:

3.1 Providing and Maintaining the Service

Account Creation: To verify your identity and set up your 10Yad account.
Budget Calculation: To process your manual and linked transactions to calculate your budget, "To be Budgeted" amounts, and net worth.
Transaction Syncing: To fetch and categorize new transactions from Integration Partners to ensure your budget is up-to-date.
Offline Functionality: To store your manual entries locally and sync them to the cloud when a connection is restored.

3.2 Improving Financial Wellness

Personalized Insights: To analyze your spending habits and provide tailored advice, wellness tips, and strategies to improve your financial health.
Goal Tracking: To monitor your progress toward specific financial goals (e.g., saving for a house, paying off debt) and provide status updates.

3.3 Communication

Transactional Messages: To send you administrative information, such as subscription confirmations, password reset emails, and notifications about changes to our terms or policies.
Support: To respond to your comments, questions, and requests for customer service.
Marketing (Opt-in): To send you newsletters, special offers, and promotions about our products or third-party services that may interest you. You can opt-out of these at any time.

3.4 Security and Fraud Prevention

Monitoring: To monitor usage patterns to detect and prevent potentially fraudulent or unauthorized activities.
Verification: To verify your identity when you contact support or request sensitive account changes.

3.5 Legal and Compliance

Regulatory Compliance: To comply with applicable laws, regulations, and legal processes, such as responding to subpoenas or government requests.
Enforcement: To enforce our Terms of Service and protect the rights, property, or safety of 10Yad, our users, or the public.

4. Data Sharing and Disclosure

We are not in the business of selling your data. We strictly limit the sharing of your personal information to the following categories of recipients:

4.1 Integration Partners

We grant Integration Partners the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Integration Partners in accordance with their End User Privacy Policy. Example here:

4.2 Third-Party Service Providers

We may employ third-party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services, or to assist us in analyzing how our Service is used. These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Cloud Hosting: AWS, Google Cloud to securely store your data.
Analytics: Google Analytics, Mixpanel to analyze app usage.
Customer Support Tools: Intercom, Zendesk to manage user inquiries.
Payment Processors: Stripe to handle subscription billing. We do not store your full credit card details.

4.3 Business Transfers

If 10Yad is involved in a merger, acquisition, asset sale, or bankruptcy, your Personal Information may be transferred as a business asset. In such an event, we will provide notice before your Personal Information is transferred and becomes subject to a different Privacy Policy.

4.4 Legal Requirements

We may disclose your Personal Information if required to do so by law or in the good faith belief that such action is necessary to:

Comply with a legal obligation (e.g., court order, subpoena).
Protect and defend the rights or property of 10Yad.
Prevent or investigate possible wrongdoing in connection with the Service.
Protect the personal safety of Users of the Service or the public.
Protect against legal liability.

4.5 With Your Consent

We may share your information with other third parties when we have your explicit consent to do so.

5. Data Retention

We will retain your Personal Information only for as long as is necessary for the purposes set out in this Privacy Policy.

Active Accounts: We retain your data as long as your account is active to provide you with the Service.
Deleted Accounts: If you request to delete your account, we will delete or anonymize your data within 30 days, subject to the exceptions below.
Legal Obligations: We may retain specific records (e.g., billing history, audit logs) for a longer period (typically up to 7 years) to comply with tax laws and other legal obligations, resolve disputes, and enforce our legal agreements.
When data is no longer needed, we will securely destroy it or anonymize it so that it is no longer personally identifiable.

6. Data Security

The security of your data is our top priority. We employ administrative, technical, and physical safeguards designed to protect your Personal Information.

Encryption: All data transmitted between your device and our servers is encrypted using Transport Layer Security (TLS). Data at rest in our databases is encrypted using industry-standard AES-256 encryption.
Access Controls: Access to production data is restricted to a limited number of authorized employees who require access to perform their jobs. All access is logged and monitored.
Bank Credentials: We never see or store your online banking credentials. These are entered directly into Integration Partners’s secure interface.
Security Audits: We conduct regular security assessments and vulnerability scans of our infrastructure.

However, please be aware that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

7. Your Data Protection Rights

Depending on your location, you may have the following rights regarding your Personal Information:

The Right to Access: You have the right to request copies of your Personal Information.
The Right to Rectification: You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
The Right to Erasure: You have the right to request that we erase your Personal Information, under certain conditions.
The Right to Restrict Processing: You have the right to request that we restrict the processing of your Personal Information, under certain conditions.
The Right to Object to Processing: You have the right to object to our processing of your Personal Information, under certain conditions.
The Right to Data Portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you, in a structured, machine-readable format.

To exercise any of these rights, please contact us at [email protected]. We will respond to your request within the timeframe required by applicable law.

8. International Data Transfers

10Yad is based in [Insert Country, e.g., the United States or Israel]. Your information, including Personal Information, may be transferred to—and maintained on—computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.

If you are located outside [Insert Country] and choose to provide information to us, please note that we transfer the data, including Personal Information, to [Insert Country] and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Information will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

9. Children's Privacy

Our Service is not intended for use by children under the age of 13 (or 16 in the EEA/UK). We do not knowingly collect personally identifiable information from children. If you are a parent or guardian and you are aware that your child has provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from children without verification of parental consent, we take steps to remove that information from our servers.

10. Links to Other Websites

Our Service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

11. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top of this Policy. We may also let you know via email and/or a prominent notice on our Service, prior to the change becoming effective. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

12. Contact Us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this app, please contact us:

10Yad Solutions LLC Attn: Data Protection Officer Email: [email protected] Address: 30 N Gould St Ste R Sheridan, WY 82801

Built for people who refuse to drift financially. Bank-level security, aggressive optimization, and a human team that treats your money like it’s their own.

10Yad Solutions LLC

30 N Gould St Ste R

Sheridan, WY 82801

Personal · Optimization · Corporate Hub · Premium · Privacy Policy