Privacy Policy – TendLife

The short version: TendLife stores your financial data securely in Firebase (Google Cloud). We never sell your data. We never share it with advertisers. Your income and spending information is yours — we just help you make sense of it.

Who we are
What we collect
How we use it
Storage
Third parties
Bank data
Money Coach
Your rights
Children
Changes
Contact

1. Who we are

TendLife is a personal finance app built for tipped and gig economy workers — servers, bartenders, delivery drivers, and anyone with variable income. The app is operated by TendLife and can be reached at support@tendlife.co.

2. What information we collect

We collect only what’s necessary to run the app and give you useful financial insights.

Information you provide directly:

Email address and display name (for your account)
Income entries — amounts, dates, type (tips, hourly, etc.), hours worked
Bill information — name, amount, due date
Expense entries — amount, merchant, category
Savings goals — name, target amount, progress
Budget settings — monthly income goal
Work-week and planned-shift settings
Optional labels you apply to bank transactions, and merchant category rules you save
Financial profile from our behavioral assessment (optional)
Mileage trips (if you use the mileage tracker)

Information collected automatically:

App usage events (features used, screens visited) — used only to improve the app, never sold
Device type and iOS version — for debugging, compatibility, and whether your app version meets a minimum we publish
Crash reports — to fix bugs

Information from connected bank accounts (optional):

Account balances and transaction history — provided by Quiltt (see Bank account data)

3. How we use your information

We use your information exclusively to operate and improve TendLife:

To calculate your daily safe-to-spend from logged tips plus connected-account inflows, bill coverage, and income projections
To generate personalized financial insights and coaching tips
To send bill reminders and budget alerts (if you opt in)
To power the AI Money Coach (see AI Money Coach)
To sync your data across your devices
To tell the app whether a newer version is required, using Firebase Remote Config. That check uses your installed version number only — no extra personal data
To fix bugs and improve app performance

We do not use your data for advertising, sell it to data brokers, or share it with any third party for their own marketing purposes.

4. How we store and protect your data

All data is stored in Google Firebase (Firestore), hosted in the United States. Firebase is a Google Cloud product that meets enterprise-grade security standards including SOC 2 Type II, ISO 27001, and GDPR compliance.

Access controls ensure that each user can only read and write their own data. All data is encrypted in transit (TLS) and at rest.

We retain your data for as long as your account is active. If you delete your account, all your data is permanently deleted from our database within 30 days.

5. Third-party services

TendLife uses the following third-party services to operate:

Google Firebase — authentication, database, cloud functions, Remote Config, website analytics. Firebase Privacy
PostHog — website analytics, heatmaps, session replay, and A/B test measurement on tendlife.ai (only after you accept analytics cookies). PostHog Privacy
Quiltt — optional bank account connection. Quiltt Privacy
Anthropic (Claude) — AI Money Coach. Your financial context is sent to Claude to generate responses. Anthropic does not use your data to train their models. Anthropic Privacy

6. Bank account data

The optional bank sync feature is powered by Quiltt. When you connect a bank account:

You authenticate directly with your bank through Quiltt’s secure OAuth flow — TendLife never sees your bank username or password
Quiltt provides us with read-only access to your account balances and transaction history
Incoming deposits are treated as income (for example rent, Zelle, Venmo, and paychecks) unless you override the category or mark them as a transfer. We may store merchant category rules you create so later transactions from the same merchant stay labeled
This data is used to show cash flow, detect recurring bills, and identify potential tax deductions
You can disconnect your bank account at any time from Budget or Settings in the app

Quiltt is SOC 2 Type II certified. For details on how they handle your banking credentials, see Quiltt’s Privacy Policy.

7. AI Money Coach

The AI Money Coach is powered by Anthropic’s Claude, accessed through a secure Firebase Cloud Function (not directly from your device). When you send a message to the coach:

Your message and relevant financial context (income totals, bill amounts, budget summary) are sent to Claude to generate a personalized response
We do not send your full transaction history or individual merchant names to Claude
Anthropic’s API terms prohibit using your conversations to train their AI models
Conversation history is stored in your app session and not permanently saved to our database

To prevent abuse, AI Money Coach usage is limited. The current default is 5 messages per account per day, which we may adjust.

8. Your rights and choices

You have full control over your data:

Access: All your data is visible in the app at any time
Correction: Edit any income, bill, or expense entry directly in the app
Deletion: Delete your account from Settings → Danger Zone → Delete Account. This permanently deletes all your data from our systems
Export: Contact us at support@tendlife.co to request a copy of your data
Bank disconnection: Disconnect your bank account at any time from Budget or Settings
Notifications: Toggle bill reminders and budget alerts off in Settings

If you are in the European Union or California, you have additional rights under GDPR and CCPA respectively. Contact us at support@tendlife.co to exercise these rights.

9. Children’s privacy

TendLife is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us immediately at support@tendlife.co.

10. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will update the “Last updated” date at the top of this page. For material changes, we will notify you in the app. Continued use of TendLife after changes take effect constitutes your acceptance of the updated policy.

11. Contact us

Questions, concerns, or requests about your privacy? We’re a small team and we respond personally.

Email: support@tendlife.co
Website: tendlife.ai