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Privacy Policy

Privacy Policy Effective Date: May, 2025

By using Hutsy, you consent to the practices outlined in this policy.

1. Information We Collect

We collect the following types of information:

  • Personal Information: Name, email address, phone number, date of birth, and postal address (when required).
  • Financial Information: Bank account details and transaction history, recurring income, bill payments, and spending patterns.
  • Device & Usage Information: IP address, device type, browser, operating system, app usage statistics, and crash logs.
  • Third-Party Integrations: Information collected via partners (e.g., Plaid) to securely access financial data.
2. How We Use Your Information

We use your information to:

  • Monitor upcoming bills and detect low balances.
  • Notify you about eligible bill coverage opportunities.
  • Pay bills on your behalf when authorized.
  • Schedule and collect repayments.
  • Provide customer support.
  • Improve and optimize our app and services.
  • Comply with legal obligations.
3. How We Share Information

We do not sell your personal information. We may share information with:

  • Service Providers: Payment processors, cloud services, and other vendors that help operate our Platform.
  • Bank Data Aggregators: Partners like Plaid to securely access your financial accounts.
  • Lending or Financial Partners: For underwriting or reporting purposes.
  • Law Enforcement or Regulators: When required by law.
  • Buyers/Investors: If Hutsy is involved in a merger, acquisition, or other business transaction.
4. Your Choices and Rights

Depending on your jurisdiction (e.g., under GDPR, PIPEDA, or CCPA), you may have the right to:

  • Access or update your information.
  • Request deletion of your data.
  • Object to or limit certain types of data processing.
  • Withdraw consent at any time (if applicable).

To exercise your rights, contact us at contact@hutsy.com.

5. Data Security

We use industry-standard encryption and secure infrastructure to protect your personal and financial data. However, no system is 100% secure, so we encourage you to use strong passwords and keep your login credentials confidential.

6. Data Retention

We retain your data only as long as necessary to:

  • Provide our services.
  • Comply with legal and regulatory requirements.
  • Resolve disputes and enforce agreements.

You may request deletion of your account and data at any time, subject to legal obligations.

7. Children’s Privacy

Hutsy is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

8. International Transfers

Your information may be stored or processed in Canada, the United States, or other jurisdictions where our partners or service providers operate.

9. Changes to This Policy

We may update this Privacy Policy from time to time. If we make significant changes, we’ll notify you via email or through the app. Continued use of the Platform after changes are posted constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions about this policy or how we handle your data, please contact us at:
📧 contact@hutsy.com
🌐 www.hutsy.com

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Terms of Service

Effective Date: July 2025

Welcome to Hutsy! We’re here to help you stay on top of your bills — no overdrafts, no stress.

🔒 Who Can Use Hutsy
  • Be 18 or older
  • Live in Canada or the U.S.
  • Agree to these terms and use Hutsy responsibly
💼 What Hutsy Does
  • Track and manage recurring bills
  • Get bills covered when your bank balance is too low
  • Avoid overdraft fees, credit damage, and late charges
  • Cancel unwanted subscriptions
  • Receive smart payment alerts

⚠️ Important: Hutsy doesn’t issue loans — we pay your recurring bills directly (like internet, utilities, insurance), then collect repayment when you get paid.

💳 Fees
  • $120/year membership
  • 5% service fee on bills we pay for you
  • We only charge when you have funds available in your connected account
  • Fees are non-refundable
📝 Membership Activation & Billing
  • When you sign up, your membership begins immediately
  • If you don’t have funds in your account at the time, we’ll wait to charge you until funds are available
  • Even if you pause your subscription before funds arrive, the original subscription remains active and billing will still occur when balance is available
  • You can cancel anytime, but that will apply to future billing periods only
✅ To Stay Eligible for Coverage
  • Have recurring income
  • Keep your bank connected via Plaid
  • Use a payment card that matches your bank
  • Keep your membership active and account in good standing
🚫 Why Coverage May Be Declined
  • No recurring deposits are found
  • Your saved card doesn’t match your bank
  • Your Hutsy subscription is inactive
  • Your bill can’t be paid by credit card
  • Your login to the biller fails or OTP blocks the payment
  • The bill exceeds your current coverage limit
  • You haven’t repaid a previous bill
  • Your account is paused, suspended, or flagged
🔁 Cancellations & Refunds
  • Cancel anytime in the app:
    Settings → Membership → Cancel Membership
  • You’ll stay active until the end of your current billing period
  • We won’t charge you again after cancellation
  • Refunds are not provided unless required by law
⛔ Termination
  • We may suspend or terminate your account if you:
    • Violate these Terms
    • Engage in fraudulent or abusive activity
    • Fail to repay any Hutsy-covered amounts
⚠️ Limitation of Liability
  • Hutsy is not liable for:
    • Missed or late payments not caused by our platform
    • Issues with banks, Stripe, Plaid, or other 3rd-party services
    • Indirect, incidental, or consequential damages
  • Our maximum liability is limited to fees paid by you in the past 12 months
🔐 Privacy

We take your privacy seriously. Your personal and financial data is protected and handled according to our Privacy Policy.

📝 Changes to Terms

We may update these Terms from time to time. Continued use of Hutsy means you agree to any updated terms.

💬 Questions?

We’re here to help.
📧 Email: contact@hutsy.com