Privacy Policy
Your privacy is our priority. We believe managing money should feel calm, secure, and empowering — not invasive.
Effective Date: October 2025
1Overview
At Ovr Finance, your privacy is our priority. We believe managing money should feel calm, secure, and empowering — not invasive.
This Privacy Policy explains how we collect, use, store, and protect your information when you use our mobile app, website, or related services (collectively, the "Services").
By using Ovr Finance, you agree to this Policy and our Terms of Use. If you do not agree, please discontinue use immediately.
2Information We Collect
We collect only the information necessary to provide and improve our Services.
a. Information You Provide Directly
- Account Information: name, email address, and password.
- Support Communications: messages or screenshots you send when contacting support.
b. Information Collected Automatically
- Usage Data: log files, device identifiers, operating system, and interaction data.
- Cookies and Analytics: minimal usage analytics to improve performance (non-marketing).
c. Connected Financial Data
When you link your bank or credit accounts, Ovr Finance uses Plaid, a secure, SOC 2-certified provider, to facilitate the connection.
- Plaid only shares data you authorize.
- Ovr Finance never stores or directly accesses your banking credentials.
We do not sell, rent, or trade your personal information to anyone.
3How We Use Your Information
Your information is used only to:
- 1Provide core app functionality and insights
- 2Improve reliability, security, and user experience
- 3Communicate updates, respond to support requests, and fulfill legal obligations
- 4Generate anonymized analytics to enhance the platform
Ovr Finance will never transfer or move funds from your connected accounts without your explicit, informed consent.
4Legal Bases for Processing (Global Compliance)
Depending on your jurisdiction, we process your data under one or more of the following lawful bases:
Contractual Necessity
To provide Services you request
Legitimate Interests
To improve and secure our platform
Consent
For optional features like account linking or marketing updates
Legal Compliance
Where required by regulators, tax authorities, or law enforcement
5Data Security
We employ bank-level encryption (AES-256), TLS 1.3 secure connections, and zero-trust cloud architecture. Sensitive financial data is processed only through Plaid and Stripe, both of which are SOC 2 Type II and PCI-DSS compliant.
While we take every reasonable step to protect your data, no system is completely immune to security risks. If a breach occurs, we will:
- ✓Notify affected users within 72 hours (or sooner where required by law)
- ✓Report the incident to applicable data authorities
- ✓Provide clear guidance on next steps for protection
6Data Retention
We retain data only for as long as necessary to fulfill the purposes described in this Policy or as required by law.
When you delete your account, all personal data is permanently erased
Encrypted backups may be retained for security auditing
Anonymized, non-identifiable data may be stored for analytics
7Data Sharing and Transfers
We share data only with trusted third parties essential to delivering our Services:
| Purpose | Provider | Compliance |
|---|---|---|
| Financial account linking | Plaid | SOC 2 Type II, GDPR, CCPA |
| Payment processing | Stripe, Apple, Google | PCI-DSS, SOC 2 |
| Cloud hosting & analytics | Google Cloud / AWS | ISO 27001, SOC 2 |
All vendors are contractually obligated to use your data solely for the agreed purpose and may not sell, market, or profile your data.
If data is transferred internationally, it is done in accordance with the EU-U.S. Data Privacy Framework and other recognized safeguards.
8Your Rights
Depending on where you live, you may have the following rights:
Access
Request a copy of your personal data
Rectification
Request correction of inaccurate data
Deletion
Request erasure of your personal data
Restriction
Request we limit certain processing
Portability
Request export of your data in a readable format
Withdrawal
Revoke consent for optional processing at any time
To exercise any of these rights, contact support@ovrfinance.io. We will verify your identity and respond within 30 days (or sooner, as required by law).
9Children's Privacy
Ovr Finance is not directed toward individuals under 18 years old. We do not knowingly collect or store personal information from minors.
If you believe a minor has provided data, contact us for immediate deletion.
11Third-Party Links and Integrations
Our Services may include links or integrations with external platforms. Ovr Finance is not responsible for the content, policies, or security of third-party websites.
We encourage you to review their privacy policies before sharing data.
12Limitation of Liability
Ovr Finance, JRM Creative Ventures LLC, and their affiliates are not liable for:
- ×Damages arising from unauthorized access, network errors, or third-party failures
- ×Financial loss or data exposure beyond our reasonable control
- ×Indirect, incidental, or consequential damages, including loss of data or profits
Where limitation is not allowed by law, total liability will not exceed $100 USD or the amount paid by the user in the past 12 months — whichever is greater.
13International Data Protection & Compliance
This Policy complies with major global data protection frameworks including:
Users in the EEA, UK, or Canada may contact their local supervisory authority if they believe their data rights have been infringed.
14Updates to This Policy
We may update this Privacy Policy from time to time to reflect new features, legal requirements, or best practices. When we do, we will update the Effective Date and notify users via email or in-app notice where appropriate.
15Contact Us
If you have questions, requests, or complaints regarding this Privacy Policy, please contact us:
Business Entity
JRM Creative Ventures LLC
Registered State
New Jersey
Mailing Address
111 Town Square Pl Ste 1238 PMB 877216
Jersey City, NJ 07310-1810
⚖️ Disclaimer
Ovr Finance is not a bank, lender, financial adviser, broker-dealer, or credit repair service. All tools and insights are for educational and informational purposes only and do not constitute legal, tax, or financial advice. By using Ovr Finance, you agree that all financial decisions are made solely at your discretion and risk.