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Data Retention Policy

Last updated: October 15, 2026 · Version 2026-10

1. Overview

This policy says how long Slate keeps each kind of information, why, and how to have it deleted sooner. We keep information only as long as we need it to provide Slate, meet legal obligations, resolve disputes and enforce our agreements.

2. While Your Account Is Open

These are kept for as long as your account exists, and deleted when you delete it:

  • Account and profile: email address, name, settings, notification preferences, and the date and version of the policies you accepted and of your AI data-sharing answer.
  • Your cards and their history: accounts, balances, APRs, minimum payments, statements, interest history, payments and transactions, including history from banks you've since disconnected, and which of your cards Slate tracks.
  • What you create or enter: payoff plans and progress, which cards each plan covers, the names you give your cards, alerts, and your onboarding answers.
  • AI results: coach conversations, weekly insights and plan explanations, including the sections written for each of your cards.
  • Usage events: the record of which screens and features you use.
  • Your device's push token, if you allowed notifications.

3. Kept for a Shorter Time

  • Uploaded statement files: deleted from our storage as soon as they've been read, or straight away if reading fails.
  • Statement results you don't confirm: 7 days.
  • AI memory, short summaries of your recent weekly insights that give the coach context: 90 days.
  • AI usage counters, the daily count of AI processing used, for cost limits: 90 days.
  • Bank connection notices from Plaid (webhooks): 30 days.
  • Bank connection tokens: deleted as soon as you disconnect that bank or delete your account.

4. Held by Our Service Providers and Meta

  • Anthropic (AI features, only if you allow them): deletes what Slate sends within 30 days, unless it's flagged for a Usage Policy review or the law requires it to keep it longer.
  • Sentry (crash and error reports): up to 90 days.
  • Plaid: keeps the information it retrieves from your bank under its End User Privacy Policy.
  • Apple and RevenueCat: keep purchase records under their own policies.
  • Supabase (our hosting): server logs for up to 90 days, and database backups for up to 30 days.
  • Meta (only if you allow tracking; not a service provider): keeps the advertising information described in our Privacy Policy under its own policies.

5. When You Delete Your Account

Deleting your account in Settings → Legal & Privacy → Delete Account:

  • deletes your account and all of the information in section 2 from our database right away;
  • disconnects each of your banks at Plaid and deletes the connection tokens;
  • ends Slate's use of your information: nothing more about your account is sent to any service provider or to Meta.

We keep only a record that the deletion happened (a random account ID and the time, with no personal details), and records of subscription events with the link to your account removed, to reconcile billing. Copies in backups are overwritten within 30 days, service providers delete their copies on the schedules in section 4, and what Meta already received stays with Meta under its own policies.

6. Disconnecting a Bank

Disconnecting a bank in Settings → Connected Accounts revokes Slate's access at Plaid and deletes the connection token right away. The history already synced from that bank stays in your account, so your plan and progress keep working. To remove it, delete your account or ask us to delete it.

7. Turning Off AI Features

Turning off AI features in Settings → AI & Data Sharing stops anything new from being sent to Anthropic. Results already created, such as past coach conversations, stay in your account until you delete it. What Anthropic already received is deleted on its schedule in section 4.

8. Turning Off Tracking

Turning tracking off in iOS Settings → Privacy & Security → Tracking stops anything new from being sent to Meta. What Meta already received stays with Meta under its own policies.

We may keep specific information longer when the law requires it, or to resolve a dispute or enforce our agreements, and only for as long as that requires.

10. Contact

To ask about retention or to request deletion, email hello@withslate.co with the subject "Data Retention Inquiry". We respond within 30 days.

Questions about this policy: hello@withslate.co

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