Privacy Policy

Last Updated: October 3, 2026

Introduction

Stablish Solutions Inc. ("Stablish," "we," "us," or "our") respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, disclose, and safeguard information when you:

• Visit our websites (including stablish.io and related domains)
• Use the Stablish mobile app, including Stash, our AI money assistant
• Use our personal finance and financial wellness tools
• Use our church giving and donation management platform
• Interact with a church using our platform
• Receive text messages, emails, or notifications from us
• Communicate with us

Stablish operates exclusively in the United States and provides services to U.S.-based individuals, churches, nonprofit organizations, and donors.

Who We Are

Stablish Solutions Inc.

• A Delaware corporation
• Operating in Los Angeles County, California
• Email: support@stablish.io

Stablish provides:

• A personal finance app that helps individuals understand their spending, build a plan, give, save, and pay down debt
• Stash, an AI assistant that answers questions and sends check-ins about your money
• Online giving and donation management software for churches
• Donor engagement tools
• Website and engagement solutions for churches

In most cases:

• Churches are the owners of donor data collected through their accounts.
• Stablish acts as a service provider processing information on behalf of churches.
• For the Stablish app, Stash, direct user accounts, subscriptions, and personal finance tools, Stablish acts as the business collecting your information.

Information We Collect

We collect information in the following categories:

A. Information You Provide Directly

• Name
• Email address
• Phone number
• Mailing address
• Church affiliation
• Donation information
• Account login info
• Subscription details
• Profile details, such as a photo if you add one
• Feedback, ratings, and survey answers
• Support comms

A.1 Personal Finance Information You Give Us

When you use our personal finance tools, you may give us information such as:

• Income and pay schedule
• Bills, debts, and regular expenses
• Giving, saving, and debt payoff goals
• How you sort or label your transactions
• Answers to setup and check-in questions
• Whether you want faith-based content in the app

A.2 Messages With Stash

When you chat with Stash in the app or by text message, or reply to a message from us, we collect what you send and the responses you receive.

B. Payment Information (Stripe)

All payments and donation transactions are processed by Stripe, Inc.

When you make a donation or subscription payment:

• Payment details (such as credit/debit card information or bank account information) are collected directly by Stripe.
• We do not store full credit card numbers or full bank account numbers.

We receive limited transaction data necessary to:

• Confirm payment
• Prevent fraud
• Maintain transaction records
• Provide customer support

Stripe may collect and process:

• Payment instrument information
• Billing address
• IP address
• Device information
• Transaction history
• Fraud detection signals

Stripe processes personal information in accordance with its own Privacy Policy and security standards, including encryption and PCI-DSS compliance.

C. Financial Account Connectivity (Plaid)

If you use our personal finance tools and choose to connect a financial account, we use Plaid Inc. to enable secure financial account linking.

What We Do Not Collect

• We do not collect or store your bank login credentials.
• We do not store your username or password for your financial institution.

What Happens Instead

• You enter your credentials directly into Plaid's secure interface.
• Plaid provides us with a secure access token.
• We use that token to retrieve only the data necessary to provide the features you request.

Data that may be accessed via Plaid (depending on permissions you grant):

• Account balances
• Transaction history, including dates, amounts, merchant names, and categories
• Account type, account name, and the last digits of the account number
• Account and routing numbers, when needed to set up a payment or gift you request
• Institution name

We only access the financial data necessary to provide the personal finance tools you enable.

By connecting an account, you also agree that Plaid may handle your information as described in the Plaid End User Privacy Policy at https://plaid.com/legal/#end-user-privacy-policy.

You can ask us to disconnect a linked account at any time by contacting support@stablish.io.

C.1 Plaid Technical & Device Information

When you connect a financial account through Plaid, Plaid and/or our application as part of that process may collect certain technical information, including:

• IP address
• Device identifiers
• Device type
• Operating system
• Browser type
• App version
• Usage and authentication data

This information is used for:

• Identity verification
• Fraud detection and prevention
• Security monitoring
• Maintaining the integrity of financial connections

We do not independently use this data for advertising purposes. Plaid's use of data is governed by Plaid's Privacy Policy.

D. Automatically Collected Information

When you access or use our Services, we may automatically collect:

• IP address
• Device type
• Operating system
• Browser type
• App interaction data
• Log data
• Referring URLs
• Session duration
• Crash data
• Push notification tokens

We use this information to maintain platform performance, detect and prevent fraud, improve functionality, and analyze product usage.

E. Analytics (PostHog)

We use PostHog (cloud-hosted) for product analytics. PostHog may collect:

• Device information and IP address
• Browser type and pages visited
• Feature usage and click/interaction data
• Session and timestamp data

We use PostHog to understand how users interact with our Services, improve user experience, diagnose performance issues, and develop new features.

PostHog processes data on our behalf as a service provider. We do not use PostHog to sell personal data.

F. Advertising & Tracking (Meta Pixel)

We use Meta Pixel and similar technologies to measure the effectiveness of advertising campaigns, deliver relevant ads for Stablish services, and understand how users found our platform.

Meta may collect:

• IP address and device identifiers
• Browser data and pages visited
• Interaction events

Under certain U.S. state privacy laws, this may qualify as "sharing" for targeted advertising. We do not sell your personal information for monetary compensation. You may opt out of targeted advertising as described below.

How We Use Your Information

We use personal information to:

• Provide donation processing services
• Deliver personal finance features (described below)
• Run Stash, our AI assistant
• Process subscriptions
• Support churches using our platform
• Provide customer service
• Improve and develop our products
• Detect and prevent fraud
• Comply with legal obligations
• Send service communications by text message, email, and push notification
• Send marketing communications by text message, email, and push notification (with opt-out ability)

Personal Finance Features

If you use our personal finance tools, we use your financial information to:

• Sort your transactions into categories and spending groups
• Find your income, bills, subscriptions, and spending patterns
• Calculate scores, grades, and other measures of your financial health
• Build and update a plan for giving, saving, spending, and paying down debt
• Suggest challenges, goals, and next steps
• Send you check-ins, reminders, and insights about your money
• Answer the questions you ask Stash
• Create combined or de-identified data that does not identify you, which we use to improve our products

We do not sell your financial information. We do not use information from your linked financial accounts to target you with advertising from other companies.

Stash and AI

Stash uses artificial intelligence to generate its responses, both in the app and by text message. To do this, we send the information needed to respond to you, which may include your messages and your financial information, to AI model providers that process it on our behalf. Responses are generated automatically and may not always be accurate.

Push Notifications and Email

If you turn on push notifications, we may send you reminders, check-ins, and updates. You can turn them off at any time in your device settings.

We may send you service emails and marketing emails. You can unsubscribe from marketing emails using the link in any email.

Text Messages (SMS)

When you enter your mobile phone number to create or sign in to a Stablish account, or provide it to a church using our platform, you agree to receive recurring automated text messages from Stablish and Stash at that number. Stash is a text message assistant as well as an in-app assistant, so it may text you regularly and you can text it back. These messages may include:

• Verification codes and account or security notices
• Donation and payment confirmations
• Regular check-ins, reminders, and insights from Stash about your money
• Replies from Stash when you text it
• Church communications
• Customer support responses
• Product updates
• Marketing and promotional messages about Stablish products and services

Consent to receive marketing text messages is not a condition of purchasing any goods or services.

Text messages you send to Stash are handled the same way as messages you send in the app, including processing by AI model providers as described in "Stash and AI" above.

Message frequency varies depending on your activity and the services you use.

Message and data rates may apply depending on your mobile carrier and plan.

You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. After you send the message "STOP," we will send you a confirmation message and you will no longer receive text messages from that program.

For assistance, reply HELP to any message or contact support@stablish.io.

Additional information about our messaging programs, including detailed terms governing text messages, is available in our SMS Terms and Conditions at https://stablish.io/sms-terms.

We do not sell your mobile phone number. We do not share your mobile phone number, text messaging opt-in data, or consent with third parties or affiliates for their marketing or promotional purposes. We share this information only with service providers that help us send messages, such as our messaging platform and mobile carriers.

Stash, Your AI Money Assistant (SMS)

Program Description: Two-way text message assistant for individuals who use the Stablish app. Stash sends regular check-ins, reminders, and insights about your money, answers the questions you text it, and may send marketing messages about Stablish products and services.

Message Frequency: Message frequency varies.

Message and Data Rates: Message and data rates may apply.

Opt-Out: Reply STOP to unsubscribe.

Help: Reply HELP for help or email support@stablish.io.

Full Terms: Full messaging terms are available at https://stablish.io/sms-terms.

How We Share Information

We share information only as necessary.

A. Service Providers

We may share information with:

• Stripe (payment processing)
• Plaid (financial account connectivity)
• AI model providers (to run Stash and other AI features)
• PostHog (analytics)
• Text messaging, email, and push notification providers
• Cloud hosting and database providers
• Security and fraud-prevention vendors

These providers are contractually obligated to protect your data.

B. Churches Using Our Platform

If you donate to or engage with a church:

• Your donation information is shared with that church.
• The church controls its use of donor data.
• Stablish acts as a service provider to the church.

Your church does not receive the balances or transactions from financial accounts you link for our personal finance tools.

C. Advertising & Analytics Partners

Certain identifiers (such as cookies or device identifiers) may be shared with advertising partners to measure ad performance and deliver relevant Stablish advertisements.

D. Legal & Business Transfers

We may disclose information:

• To comply with law
• To enforce agreements
• To protect users and our platform
• In connection with mergers or asset sales

Data Retention

We retain personal information only as long as necessary to:

• Maintain active accounts
• Provide services
• Comply with tax and financial regulations
• Resolve disputes
• Prevent fraud

General Guidelines

• Account data: retained while active and up to 12 months after closure
• Financial transaction records: retained as required by law
• Church donor records: churches control retention within their accounts

Data Security

We implement commercially reasonable safeguards including:

• Encrypted transmission (TLS/HTTPS)
• Tokenized financial access (via Plaid)
• PCI-compliant payment processing (via Stripe)
• Role-based access controls
• Secure cloud hosting
• Vendor security assessments

No system is completely secure, but we take appropriate measures to protect your information.

Children's Privacy

Our Services are not directed to children under 13.

We do not knowingly collect personal information from children under 13.

Your U.S. Privacy Rights

Depending on your state of residence, you may have rights to:

• Access personal information
• Correct inaccurate information
• Delete personal information
• Opt out of targeted advertising
• Limit use of sensitive personal information
• Not be discriminated against for exercising rights

Some of the information we collect, such as financial account information and information that may reveal religious beliefs (for example, the church you give to), may be treated as sensitive personal information under some state laws. We use it only to provide the services you request.

To exercise your rights, email us at support@stablish.io. You can also request account deletion at https://stablish.io/delete-account. We may verify your identity before fulfilling requests.

Opt-Out of Targeted Advertising

You may opt out by:

• Adjusting cookie settings
• Using browser privacy controls
• Enabling Global Privacy Control (where supported)
• Contacting support@stablish.io

International Users

Stablish operates exclusively in the United States and does not target services to individuals in the European Union or other international jurisdictions.

If you access our Services from outside the U.S., your data will be processed in the United States.

Changes to This Policy

We may update this Privacy Policy periodically.

If changes are material, we will provide notice via website notice or email notification (if appropriate).

Continued use of the Services constitutes acceptance of the revised policy.

Contact Us

Stablish Solutions Inc.

Los Angeles County, California

Email: support@stablish.io