Last updated

March 26, 2026

Pinch & Prosper - Privacy Policy

At Pinch & Prosper, we take your privacy seriously and are committed to protecting your Personal Information (as defined below). Our goal is to help you plan in a meaningful way without collecting unnecessary sensitive data! This privacy policy (“Policy”) outlines how we collect, use, disclose, and safeguard your Personal Information, and what choices you may have with respect to that information. If you have questions about this Policy, please contact us before using, or continuing to use, our Site or Services.

Pinch & Prosper collects and stores certain information from or about you that can be used to uniquely contact, identify, or locate you (“Personal Information”). We collect Personal Information when you use our services (the “Services”), use or interact with our websites (the “Site”), otherwise interact with us; or when your information is shared with us by our vendors/service providers. In general, we collect the Personal Information you provide to the Services and store it so that it is available when you sign into your account and use the Services. Our Terms and Conditions apply to your use of the Site and Services.

Information We Collect

We collect Personal Information directly from you, automatically through your use of the Site, and from our vendors/service providers.

Personal information We Collect Directly From You. While the Personal Information you may provide varies depending upon your use of the Site and our interactions with you, in general, we may collect the following Personal Information directly from you:

• Contact Information. When you contact us, we may collect your name (optional), and email address, the nature of your inquiry, and any other information you choose to provide.
• Account Creation and Maintenance. You have the option to create an account with Pinch & Prosper. When you sign up for an account, we collect your email, name/nickname (optional), and login credentials.
• Use of the Services. When you interact with the Services and engage with Pinch & Prosper’s tools, we collect the information you input, such as family members and pet names (optional), year of birth or age (optional), information related to liabilities, assets, and income sources, and their respective values. The Services permit a number of free text fields; please exercise caution in determining what information you input.
• Communications and Interactions. When you send an email, text message, call, or otherwise communicate with us and with members of our team, we collect and maintain a record of your contact details, communications, and our responses. We may collect your signature (including your e-signature) as part of the Services if it is required to fulfill your request. In addition, we, via our telephone service provider, may record and transcribe audio calls.
• Marketing and Promotions. If you agree to receive marketing communications from us, we collect your email, name (optional), phone number (optional) and preferences. If you participate in promotions we offer, we collect your name and other information related to the activities available through the Site.
• Subscription and Financial Information. We, via our payments service provider (“Payments Service Provider”), collect your subscription information, and our Payments Service Provider may collect your bank account information, credit card number and other financial information necessary to process your payments and manage your subscriptions. These details are maintained by the Payments Service Provider and are not disclosed to Pinch & Prosper.

Personal information We Collect Automatically. We and our third-party providers automatically collect Personal Information related to your use of the Site and when you interact with our emails, including using cookies and other similar technologies. The Personal Information we may automatically collect includes the below categories of information (collectively, “Usage Data”):

• Device and Browsing Information. When you visit the Site, we may collect IP address, browser type, domain names, access times, date/time stamps, operating system, language, device type, unique ID, Internet service provider, referring and exiting URLs, clickstream data, connection context, and similar device and browsing information.
• Activities and Usage. We also collect activity information related to your use of the Site, such as information about the links clicked, searches, features used, items viewed, time spent within the Site, your interactions with us within the Site, and other activity and usage information.
• Location Information. We may also collect or derive location information about you, such as through your IP address. If you choose to enable location-based sharing with us through your device settings, we may collect precise location information to provide content that is more relevant to your location and to otherwise improve your interactions with the Site. You may turn off location data sharing through your device settings.

For more information about our use of cookies and other similar technologies, please see the “USE OF COOKIES AND OTHER TECHNOLOGIES” section below.

Personal information We Collect from Other Sources. In addition, we may collect and receive Personal Information from third parties, such as clients and customers, data analytics providers, Internet service providers, operating systems and platforms, and service providers.

How We Use the Information We Collect

We use your Personal Information for various purposes, including:

• Providing Information, Products, or Services. To fulfill your requests for information, products, or Services, such as performing various calculations, providing models, and providing customer support. Similar to many companies, this may include the use of artificial intelligence, predictive analytic methodologies. Your direct identifiers (e.g., email and name) are not used in these processes.
• Transaction Management. To manage transactions, such as processing payments, which are managed through our third-party Payments Service Provider. We do not have access to or store your financial account information such as payment cards, payment systems, or banks.
• Website and Support. To provide and operate the Site, communicate with you about your use of the Site, respond to your inquiries, provide customer support, and to otherwise run our day-to-day operations.
• Analytics and Improvement. To better understand how users access and use the Site, and for other research and analytical purposes, to develop the Services, Site and its features, to personalize the Services and Site, and for internal quality control and training purposes.
• Communicate With You. To respond to your inquiries, send you requested materials and newsletters, as well as information and materials regarding the Site and offerings, and to communicate with you regarding the Services. We also use this information to send administrative information to you, for example, information regarding the Site and changes to our terms, conditions, and policies. Note: Please be aware of potential scams. There are many scams, including many scams related to money, banks, finances, and similar. We will not call you, ask you to purchase gift cards, or anything of that nature. If you receive a call or message that is potentially suspicious, contact us directly and do not respond to such calls/messages.
• Marketing and Promotions. For marketing and promotional purposes. For example, to send you information about the Site, such as newsletters and other marketing content that you sign up to receive.
• Research, Development, and Surveys. To administer surveys and questionnaires, such as for market research or user satisfaction purposes and to develop new products and services, including market analysis and product testing.
• Security and Protection of Rights. To protect the Site and our business operations, and to protect our rights or those of our stakeholders; to prevent and detect fraud, unauthorized activities and access, and other misuse; where we believe necessary to investigate, prevent or act regarding illegal activities, suspected fraud, situations involving potential threats to the safety or legal rights of any person or third party, or violations of our Terms and Conditions.
• Compliance and Legal Process. To comply with applicable legal or regulatory obligations, including as part of a judicial proceeding; to respond to a subpoena, warrant, court order, or other legal process; or as part of an investigation or request, whether formal or informal, from law enforcement or a governmental authority.
• Auditing, Reporting, and Other Internal Operations. To conduct financial, tax, and accounting audits; audits and assessments of our operations, privacy, security and financial controls, risk, and compliance with legal obligations; our general business, accounting, record keeping and legal functions, and to maintain appropriate business records and enforce company policies and procedures.
• General Business and Operational Support. To assess and implement mergers, acquisitions, reorganizations, bankruptcies, and other business transactions such as financings, and to administer our business, accounting, auditing, compliance, recordkeeping, and legal functions.

Sharing of Personal Information

We do not sell your Personal Information as defined under applicable privacy laws. If at any point our practices change to involve the sale of Personal Information, we will notify you and, if necessary, obtain your consent. We may share your Personal Information for the purposes described above and as follows:

• Service Providers. We may disclose the Personal Information we collect to service providers who perform functions on our behalf, such as IT and website and data hosting, marketing, and marketing research providers, payment processing, identify verification, customer support, data storage, analysis and processing providers, auditors, and legal counsel.
• Marketing and Analytics Providers. We may also disclose your Usage Data to marketing and advertising networks, data analytics providers, and other companies who provide marketing or analytics services on our behalf.
• In Support of Business Transfers. If we are or may be acquired by, merged with, or invested in by another company, or if any of our assets are or may be transferred to another company, whether as part of a bankruptcy or insolvency proceeding or otherwise, we may disclose or transfer the Personal Information we have collected from you with or to the other company. We may also disclose certain Personal Information as necessary prior to the completion of such a transaction or other corporate transactions such as a financing or restructuring, to lenders, auditors, and third-party advisors, including attorneys and consultants.
• Compliance and Legal Obligations. To comply with our legal and compliance obligations and to respond to the legal process. For example, we may disclose information in response to subpoenas, court orders, and other lawful requests by regulators and law enforcement, including responding to national security or law enforcement disclosure requirements.
• Security and Protection of Rights. Where we believe doing so is necessary to protect us, our rights and property, or the rights, property, and safety of others. We may also disclose Personal Information related to litigation and other legal claims or proceedings in which we are involved, as well as for our internal accounting, auditing, compliance, recordkeeping, and legal functions.
• Aggregate and Deidentified Information. Notwithstanding anything else in this Policy, we may use, disclose, and otherwise process aggregate and deidentified information related to our business and the Site with third parties for quality control, analytics, research, development, and other purposes.
• Other Disclosures. We may disclose Personal Information in other ways not described above, but will notify you and, if necessary, obtain your consent.

Use of Cookies and Other Technologies

As described above, we and our third-party providers use cookies, pixel tags, and other technologies to collect Usage Data. We may allow third parties to collect this Usage Data on our behalf and to retain and use this Usage Data themselves. We may use this data to, for example, analyze and understand how you access, use, and interact with us through the Site, to identify and resolve bugs and errors in the Site, to assess, secure, protect, optimize, and improve the performance of the Site, for marketing and advertising purposes, analytics purposes, and to personalize content in the Site. We may also aggregate such information to analyze trends, administer the Site, and gather broad demographic information. Examples of tracking technologies we use include:

• A "cookie" is a small data file sent from a website and stored in your browser to identify your device in the future and allow for an enhanced personalized user experience based on your previous activity on the website. A "session cookie" disappears after you close your web browser or may expire after a fixed period. A "persistent cookie" remains after you close your web browser and may be accessed every time you use our Site.
• “Pixels” are tiny, transparent images embedded in web pages or emails that track your interaction with content. They help determine whether emails or pages were viewed, set and read cookies, and understand usage and engagement for analytics and advertising.
• Google Analytics and Ads. We use Google Analytics on the Site to help us analyze traffic and improve services. For more information on Google Analytics’ processing of Personal Information, please see https://www.google.com/policies/privacy/partners/. We may use Google Ads for advertising. You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Settings. You can find out more about how Google uses cookies in advertising and opt-out via the following links: Google Display Network (DoubleClick) & Google Analytics Opt-out Browser Add-on.

Currently, the Site does not recognize “Do-Not-Track” requests. You may, however, disable certain tracking by disabling cookies. For additional information on opting out of certain cookies, see “Your Privacy Rights and Choices” below.

Marketing Messages

• Email Marketing. When you sign up for an account, we will send you emails. We use tools in our emails to track email open rates, monitor engagement with email content, and customize future offerings based on your interests. Our tools collect limited information such as timestamps. You can disable this by adjusting your email settings to disable HTML images or selecting text-only email format.
• SMS Messaging/Calls. Pinch & Prosper does not collect cell phone numbers directly and does not send text messages to you including for marketing purposes. It is possible our Payment Service Provider will need to collect your phone number, but they do not provide that information to us.
• Opt-Out Features. Pinch & Prosper provides options for you to control communications directed to you. You can stop receiving messages from Pinch & Prosper by responding to the opt-out option as detailed in the message, or by contacting us at opt-me-out@pinchnprosper.com.

Data Protection and Security

We implement a variety of commercially reasonable technical, administrative, and physical security measures designed to protect your Personal Information, including transmitting data over secure channels such as TLS and storing it in encrypted format.

Despite our efforts, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee the absolute security of the data you transmit to us.

It is also your responsibility to protect your Personal Information. Use caution when sharing your Pinch & Prosper plans with another party. We do not recommend sharing your credentials. Additionally, you should not store sensitive data in the system, such as financial account numbers, government ID numbers, and similar information.

Third Party Websites

For your convenience, some hyperlinks may be posted on this Site that link to other websites not under Pinch & Prosper’s control. Pinch & Prosper is not responsible for, and this Policy does not apply to, the privacy practices of those sites or of any companies that Pinch & Prosper does not own or control. Pinch & Prosper does not endorse any of these websites or pages, the services or products described or offered on such sites or pages, or any of the content contained on those sites or pages. Pinch & Prosper encourages you to seek out and read the privacy policy of each website that you visit. In addition, should you happen to initiate a transaction on a website linked to this Site, even if you reached that site through the Pinch & Prosper Site or Services, the information that you submit to complete that transaction becomes subject to the privacy practices of the operator of that linked website. You should read that website's privacy policies to understand how Personal Information that is collected about you is used and protected.

Children’s Privacy

We do not knowingly collect or solicit Personal Information from anyone under the age of 13 or knowingly allow such persons to register for our services. If you are under 13, please do not attempt to register for the Services or send any information about yourself to us, including your name, address, telephone number, or email address.

Transfers of Personal Information and Visiting Our Website from Outside of the United States

If you are visiting our Site or purchasing or accessing our Services from outside of the United States or otherwise contacting us from outside of the United States, please be aware that your Personal Information may be transferred to, stored or processed in the United States or other regions, where our data and web content hosting service provider’s servers are located. This means that your Personal Information may or may not be stored in your home country. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country, but please be assured that we take steps to protect your privacy. For example, as applicable, our service providers will be contractually bound to process Personal Information only on behalf of and under our instructions and to adhere to similar data privacy standards as provided in Europe and the United Kingdom (UK). By using our Services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Policy.

Your Privacy Rights and Choices

Depending on your jurisdiction, including the European Economic Area or the UK, you may have the right to:

Request access to your Personal Information. This enables you to receive a copy of the Personal Information we hold about you and certain details about that information. Please note that limitations may apply to your ability to exercise these rights.

Request correction of the Personal Information that we hold about you. This enables you to have incomplete or inaccurate Personal Information we hold about you corrected, though we may need to verify the accuracy of the new Personal Information you provide to us.

Request erasure of your Personal Information. This enables you to ask us to delete or remove Personal Information under certain circumstances, such as where it is no longer necessary for us to continue to process it. You also have the right to ask us to delete or remove your Personal Information where you have successfully exercised your right to object to processing (see below), where we may have processed your Personal Information unlawfully or where we are required to erase your Personal Information to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.

Object to processing of your Personal Information. Under certain circumstances, you have the right to object at any time to our processing of Personal Information concerning you. For example, if you have requested to receive information from us, e.g., newsletters, but do not wish to receive further information, you can easily opt out of receiving further information from us.

Request restriction of processing of your Personal Information. This enables you to ask us to suspend the processing of your Personal Information in the following scenarios: (a) if you want us to establish the data's accuracy; (b) where our use of the data is unlawful but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims; or (d) you have objected to our use of your data, but we need to verify whether we have overriding legitimate grounds to use it.

Request the transfer of your Personal Information to you or to a third party (“data portability”). We will provide to you, or a third party you have chosen, your Personal Information in a structured, commonly used, machine-readable format. Note that, depending on your jurisdiction, this right may only apply to automated information which you initially provided consent for us to use or where we used the Personal Information to perform a contract with you.

Withdraw consent at any time where we are relying on consent to process your Personal Information. If processing of your Personal Information is based on your consent, you may withdraw your consent at any time by unsubscribing from an email or sending us an email. Please note that this does not affect the processing of your Personal Information prior to the withdrawal of your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.

You also have the right to lodge a complaint with your data protection authority.

EEA/UK/Switzerland Privacy – Additional Information

This Website is operated by “Controller” Pinch & Prosper, located at 4015 Travis Drive Ste 211 #2001, Nashville, TN, 37211

When we collect Personal Information via the Site or Services (or other applicable sources), we will only use it for the purposes described where it is collected or otherwise described in this Policy, and we will not sell, license, transmit or disclose this information outside of Pinch & Prosper unless: (1) you expressly authorize us to do so; (2) it is necessary to allow our service providers to provide services for us; (3) it is necessary in order to provide our services to you and carry out our contractual obligations with you (and to contact you when necessary); (4) it is necessary in connection with other business purposes including, without limitation, customer care, service quality, business management and operation, risk assessment, security, fraud and crime prevention/detection, monitoring, research and analysis, marketing, customer purchasing preferences and trends, dispute resolution; or (5) otherwise as we are required or permitted by law.

We collect and use Usage Data required for security and protection of rights purposes, account and website maintenance purposes on a legitimate interest basis. We collect and use Usage Data for marketing and analytics purposes and research and development (legitimate interest or where required, by obtaining your prior consent).

We may collect and use Personal Information you submit through web forms, emails, surveys, and subscription pages or otherwise when you contact us on a legitimate interest basis (or, where required, by obtaining your prior consent) as described above. In many cases, we use this information in order to carry out our contractual obligations with you, including our Terms and Conditions.

We collect and use Personal Information related to customer relationship management (CRM), publications, invitations, and marketing automation on a legitimate interest basis (or, where required, by obtaining your prior consent) as described above.

We do not rely on our legitimate business interests (but obtain your prior consent), if they are overridden by your personal interests or fundamental rights and freedoms which require protection of Personal Information.

Retention of Personal Information

We store this Personal Information for the period necessary to pursue the purposes outlined in this section, and/or as permitted by statutory laws.

Additional Rights for Residents of U.S. States

Depending on where you reside in the United States, certain state privacy laws may apply to the processing of your Personal Information. Note that not all state privacy laws apply to Pinch & Prosper, and Pinch & Prosper is not currently responding to privacy requests in relation to laws to which it is not currently subject.

The following rights may apply to the processing of your Personal Information if you reside in a state with an applicable privacy law:

• The right to confirm whether we are processing your Personal Information and to access such Personal Information.
• The right to correct inaccuracies in your Personal Information, taking into account the nature of the Personal Information, and our purposes of the processing of such Personal Information.
• The right to delete Personal Information provided by or obtained about you.
• The right to obtain a copy of your Personal Information that you previously provided to us in a portable and if technically feasible, readily useable format that allows you to transmit the data to another controller without hindrance.
• The right to opt out of the processing of your Personal Information for purposes of targeted advertising and the sale and sharing of Personal Information as described in the “Notice of Right to Opt-Out of Interest-Based Advertising” Section of this Policy.

You can exercise your choices by contacting us at inquire@pinchnprosper.com. We will respond to your requests promptly and handle the request in accordance with applicable privacy laws.

California Privacy Notice

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act (“CCPA”) provides you with specific rights regarding your Personal Information. This section of our Policy contains certain information and informs California residents of certain rights arising under the CCPA (the “CCPA Notice”). Note that not all state privacy laws apply to Pinch & Prosper, and Pinch & Prosper is not currently responding to privacy requests in relation to laws to which it is not currently subject.

As part of those requirements, the CCPA requires businesses to explain whether they “sell” or “share” the Personal Information of California residents. The CCPA defines these terms very broadly. “Sale” includes sales of data in the historical sense of data brokerage or selling lists of customer details for money – which we DO NOT DO -- but it also may include virtually any exchange or transfer of data (including Usage Data) in relation to widely-used internet technologies like data analytics and advertising. These “sales” may occur, for example, when a vendor collects Usage Data via cookies on a business’s website and uses it to serve ads for various websites, an exchange that benefits the vendor and the business in some way – even if the Usage Data cannot directly identify an individual and the business is not “actively” providing the data to the vendor. “Sharing” is just a certain type of such transfer, and refers to targeted advertising, another common practice.

In light of this explanation: we will never sell your Personal Information for money. Our website’s advertising capabilities may technically be considered “sharing” of Personal Information as defined under applicable privacy laws. If at any point our practices change to involve the sale of Personal Information, we will notify you and, if necessary, obtain your consent. We do not knowingly sell the Personal Information of minors under age 16.

We may have collected the following categories of Personal Information from you within the last twelve (12) months:

• Identifiers — such as name/nickname, or email address.
• Unique and online identifiers –- such as internet protocol address or device IDs.
• Personal Information Categories Listed in The California Customer Records Statute (Cal. Civ. Code §1798.80(e)) – such as signature, financial information if you choose to input such data to the applicable Services (plans, calculations, etc.) and by our Payments Service Provider as needed for processing payments.
• Commercial information — such as records of products or services purchased.
• Demographic information and/or characteristics of protected classifications — such as (optionally) age, marital status, income levels, and language preferences.
• Internet or other electronic network activity information — such as Usage Data.
• Geolocation information (e.g., based on IP address).
• Inferences, such as preferences and behaviors.
• Professional, employment or education information — only if you choose to input such data to the applicable Services in relation to defining your income sources.
• Sensitive Personal Information — e.g., account credentials when you create an account; otherwise, we store sensitive personal information only if you choose to input such data to the applicable Services (plans, calculations, etc.), such as certain financial information or minors’ personal information. This information is stored in the Services solely for your convenience and is not used in Pinch & Prosper’s calculations.

The specific categories we have collected about each individual depends on the nature of the individual’s interactions with the Site and Services.

We collect the above categories of Personal Information from the following sources:

• Directly from you.
• Automatically generated information — such as Usage Data.
• In very limited circumstances, from other companies, such as marketing services, internet service providers, data analytics providers, operating systems and platforms, and other service providers.

We collect the above categories of Personal Information for the following business and commercial purposes, as described in the chart below:

• Providing the Site and Services; personalizing the Site and Services
• Communicating with you
• Marketing and advertising the Services
• Responding to inquiries and fulfilling requests; providing customer support
• Improving the Services
• Supporting business operations
• Auditing customer transactions
• Security; fraud prevention and authentication
• Debugging errors in systems
• Internal research, analytics and development — such as user-preference analytics

Disclosure of Personal Information to Third Parties and Other Recipients

In all cases, the Personal Information identified above may be processed in order to comply with applicable laws and regulations, legal obligations, or other legal requirements, or pursuant to a business transfer, as described in “Sharing of Personal Information”. The Personal Identification identified above may also be shared with your consent, and as notified.

Use and Disclosure of Sensitive Personal Information

We may collect “sensitive” Personal Information for limited purposes, including for purposes that an average consumer would reasonably expect. In general, we only collect sensitive Personal Information when you choose to input such data to the Services (such as creating your plans), which we discourage you from doing (e.g., government identification numbers, financial account information). We do not use or disclose your sensitive Personal Information outside of the following purposes, and those only in very rare and limited circumstances:

• Performing our Services or providing goods
• Detecting security incidents
• Resisting malicious, deceptive, fraudulent, or illegal actions

As such, the right to limit our use and disclosure of such sensitive information does not apply.

Your CCPA Rights and How to Exercise Them.

If you are a California resident, you have certain rights, pursuant to the CCPA. These CCPA rights may only apply in certain circumstances and are subject to certain exemptions. Please see the information below for a summary of your rights and how to exercise your rights. Please note that we may ask for certain information to verify the request in accordance with applicable law.

• Right to Know. You have the right to request that we disclose Personal Information we collect, use, and/or share about you.
• Right to Delete. You have the right to delete Personal Information that we collect or maintain about you.  Please note that certain exceptions apply to this right, such as when we must retain your information to comply with law. We will notify you of any such exceptions as applicable to your request.
• Right to Correct. You have the right to request we correct inaccuracies in the Personal Information we have collected about you.
• Right to Opt-Out. You have the right to opt out of the sharing of Personal Information for cross-context behavioral advertising and the sale of Personal Information, as applicable.
• Right to Non-Discrimination. You have the right not to receive discriminatory treatment by us for the exercise of any of your CCPA rights.

To exercise these rights, please contact us using the following information and submit the required verifying information, as further described below:

• By email at inquire@pinchnprosper.com

In order to satisfy certain types of requests, it may be necessary to permanently suspend account access (e.g., certain requests to delete).

Please contact us at inquire@pinchnprosper.com if you have any questions or issues regarding the methods above.

You may be required to provide certain information to verify your identity and understand the scope of your request. We will require you to provide, at a minimum, your full name, email address or other contact information, and information about your relationship with Pinch & Prosper.

You can exercise your CCPA rights yourself or you can designate an authorized agent to make a request on your behalf. Your authorized agent must be able to demonstrate authority to act on your behalf as further instructed when submitting a verifiable request.

Retention of Personal Information

Personal Information will be stored in compliance with the Pinch & Prosper data retention policy, for the period necessary to pursue the purposes outlined in this section, and/or as permitted by applicable laws.

Privacy Policy Changes

We may update this Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of changes by posting the updated Policy on our Site and updating the Policy’s effective date. If we make material changes, we will provide prominent notice (such as through a notice or banner or, where feasible, via email). We encourage you to review this Policy periodically to stay informed about how we are protecting your information.

Contact Information

If you have any questions, concerns, or suggestions regarding this Policy, please contact us at:

inquire@pinchnprosper.com

4015 Travis Drive Ste 211 #2001, Nashville, TN, 37211