PF2 Privacy Policy

Effective Date: June 27, 2026
Last Updated: June 27, 2026

This Privacy Policy explains how Eleven Delta Partners, doing business as PF2 (“PF2,” “we,” “us,” or “our”), collects, uses, discloses, and protects information when you use our website, mobile applications, software, tools, and related services (collectively, the “Service”).

PF2 is a personal finance tool that may help users track spending, categorize transactions, create budgets, view financial summaries, monitor accounts, and receive financial insights.

By using PF2, you agree to the collection, use, and disclosure of information as described in this Privacy Policy.

1. Information We Collect

We may collect the following categories of information.

A. Information You Provide

We may collect information you provide directly, such as:

Name
Email address
Password or authentication information
Profile information
Financial goals, budgets, preferences, and settings
Manual transactions or notes you enter
Uploaded files or documents
Feedback, support messages, and communications with us
Payment and billing information if you purchase a paid feature

B. Financial Account Information

If you choose to connect financial accounts, we may collect information from your financial institutions through third-party providers, such as financial data aggregators. This information may include:

Financial institution name
Account name, type, and subtype
Account balances
Transaction history
Transaction dates, amounts, descriptions, categories, and merchant information
Account identifiers or tokens provided by third-party providers
Other financial information made available by your financial institution or third-party provider

PF2 does not need your bank password to operate when account connections are handled through a third-party data provider. We do not knowingly store your online banking credentials.

C. Usage and Device Information

We may collect information about how you access and use the Service, such as:

Log data
IP address
Device type
Browser type
Operating system
App version
Pages or screens viewed
Referring URLs
Feature usage
Dates and times of access
Crash reports and diagnostic data

D. Cookies and Similar Technologies

We may use cookies, local storage, pixels, software development kits, and similar technologies to operate the Service, remember preferences, understand usage, improve performance, prevent fraud, and support analytics.

You can adjust browser settings to reject certain cookies, but some parts of the Service may not work properly without them.

2. How We Use Information

We may use information to:

Provide, operate, maintain, and improve the Service
Create and manage your account
Connect and update financial accounts you choose to link
Display balances, transactions, budgets, summaries, and insights
Categorize transactions and detect spending patterns
Personalize your experience
Provide customer support
Send service-related notices
Process payments and manage subscriptions
Debug, analyze, and improve the Service
Protect against fraud, abuse, security incidents, and unauthorized access
Enforce our Terms of Service
Comply with legal obligations
Develop new features, products, and services

3. How We Disclose Information

We may disclose information in the following circumstances.

A. Service Providers

We may disclose information to vendors and service providers who help us operate the Service, such as hosting providers, analytics providers, customer support tools, payment processors, email providers, security vendors, and financial data aggregation providers.

These providers are authorized to use information only as needed to provide services to us or as otherwise permitted by law.

B. Financial Data Providers and Financial Institutions

If you connect financial accounts, we may disclose information to financial data providers and financial institutions as needed to authenticate, maintain, update, troubleshoot, or disconnect account connections.

C. Legal and Safety Reasons

We may disclose information if we believe it is reasonably necessary to:

Comply with law, regulation, legal process, or government request
Protect the rights, property, or safety of PF2, users, or others
Detect, prevent, or address fraud, abuse, security, or technical issues
Enforce our Terms of Service or other agreements

D. Business Transfers

If PF2 is involved in a merger, acquisition, financing, reorganization, bankruptcy, sale of assets, or similar transaction, information may be disclosed or transferred as part of that transaction.

E. With Your Consent

We may disclose information with your consent or at your direction.

4. We Do Not Sell Your Personal Information

PF2 does not sell your personal information for money. We also do not knowingly sell or share personal information for cross-context behavioral advertising as those terms are used under certain U.S. state privacy laws.

If our practices change, we will update this Privacy Policy and provide any required opt-out rights.

5. Artificial Intelligence and Automated Features

PF2 may use automated systems, rules, machine learning, or artificial intelligence to categorize transactions, generate budgets, detect spending patterns, summarize financial activity, or provide insights.

These outputs may be incomplete or inaccurate. They are provided for informational purposes only and are not financial, investment, legal, tax, or accounting advice.

6. Data Retention

We retain information for as long as reasonably necessary to provide the Service, maintain your account, comply with legal obligations, resolve disputes, enforce agreements, prevent fraud or abuse, and support legitimate business purposes.

If you delete your account or request deletion, we will delete or de-identify information unless we need to retain it for legal, security, fraud prevention, backup, accounting, or legitimate business reasons.

Backup copies may persist for a limited period before deletion in the ordinary course.

7. Your Choices

Depending on your location and the features available, you may have choices such as:

Accessing, updating, or correcting account information
Disconnecting linked financial accounts
Deleting manual transactions, notes, or other content
Opting out of marketing emails
Requesting deletion of your account
Managing cookies or browser storage through your browser settings

You may contact us at hello@pf2.tech to make a privacy request.

8. State Privacy Rights

Depending on where you live, you may have privacy rights under applicable state laws. These rights may include the right to:

Know or access personal information we collect about you
Correct inaccurate personal information
Delete personal information
Obtain a portable copy of personal information
Opt out of certain disclosures, targeted advertising, or sales of personal information
Limit certain uses of sensitive personal information, where applicable
Appeal a decision we make about your privacy request

To exercise these rights, contact us at hello@pf2.tech. We may need to verify your identity before fulfilling a request.

You may also designate an authorized agent to submit a request on your behalf where permitted by law.

9. California Privacy Notice

This section applies to California residents to the extent required by the California Consumer Privacy Act, as amended.

Categories of Personal Information We May Collect

In the past 12 months, we may have collected the following categories of personal information:

Identifiers, such as name, email address, IP address, account identifiers, and device identifiers
Customer records information, such as billing information or account information
Commercial information, such as subscription history and transaction-related data you choose to connect or enter
Internet or electronic network activity information, such as usage data, log data, and device information
Geolocation information, such as approximate location inferred from IP address
Professional or employment-related information, if you choose to provide it for budgeting or financial planning purposes
Inferences, such as spending categories, budget insights, preferences, and financial summaries
Sensitive personal information, such as account access-related tokens or financial account information, if you choose to connect accounts

Sources of Personal Information

We may collect personal information from you, your devices, financial institutions, third-party financial data providers, payment processors, analytics providers, service providers, and other sources you choose to connect to PF2.

Purposes for Collection and Use

We collect and use personal information for the purposes described in Section 2 of this Privacy Policy.

Disclosure of Personal Information

We may disclose personal information to the categories of recipients described in Section 3 of this Privacy Policy.

Sales and Sharing

PF2 does not sell personal information for money and does not knowingly share personal information for cross-context behavioral advertising.

Sensitive Personal Information

We use sensitive personal information only as reasonably necessary to provide the Service, protect security, prevent fraud, comply with law, and for other purposes permitted by applicable law.

10. Security

We use reasonable administrative, technical, and organizational measures designed to protect information from unauthorized access, loss, misuse, alteration, or disclosure.

However, no method of transmission or storage is completely secure. We cannot guarantee absolute security.

You are responsible for using a strong password, protecting your devices, and keeping your login credentials confidential.

11. Children’s Privacy

PF2 is not intended for children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided personal information to us, contact us and we will take appropriate steps to delete it.

12. International Users

PF2 is operated from the United States. If you access the Service from outside the United States, you understand that information may be processed in the United States and other countries where privacy laws may differ from those in your location.

13. Third-Party Links and Services

The Service may contain links to third-party websites, apps, products, or services. We are not responsible for the privacy practices of third parties. Your use of third-party services is governed by their own privacy policies and terms.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we will provide notice as required by law, such as by posting the updated policy, sending an email, or displaying an in-app notice.

Your continued use of the Service after the updated Privacy Policy becomes effective means you acknowledge the updated policy.

15. Contact Us

If you have questions or requests about this Privacy Policy or our privacy practices, contact us at:

PF2
Eleven Delta Partners
Email: hello@pf2.tech