Privacy Policy

Last Updated: 12-10-2023

1. Introduction

Welcome to Vala, brought to you by Vala ("we," "our," or "us"). Protecting your privacy and the security of your information is a top priority for us. This Privacy Policy explains how we collect, use, and safeguard your personal, financial, and Plaid-related information.

By using Vala, you consent to the practices described in this Privacy Policy. Please read and understand this policy carefully.

2. Information We Collect

We collect various types of information to provide you with our services:

Personal Information: When you sign up for Vala, we may collect personal information such as your name, email address, and phone number. This information is used to create and manage your account.

Financial Information: To facilitate external account transfers and process ACH (Automated Clearing House) payments for subscription and platform fees, we utilize ACHQ, a trusted third-party service. ACHQ may collect and securely transmit financial information, including bank account details, transaction history, and other relevant data. Please review ACHQ's Privacy Policy for more information about how they handle your financial data.

Plaid Integration: We use Plaid, a trusted third-party service, to securely link and access your bank accounts. Plaid may collect and transmit financial data, including bank account details, transaction history, and other necessary information to facilitate secure account linking. Please review Plaid's Privacy Policy for details on how they handle your financial information.

Usage Data: We collect data on how you use Vala, including app usage patterns, transaction history, and user preferences. This information helps us improve our services and provide you with a better user experience.

Device Information: We may collect information about the devices you use to access Vala, such as device type, operating system, and device identifiers.

3. How We Use Information

We use the collected information for the following purposes:

  • To provide and enhance Vala's services.
  • To facilitate external account transfers securely.
  • To securely link and access your bank accounts using Plaid.
  • To communicate with you regarding your account and transactions.
  • To comply with legal requirements and regulations.
  • To improve our services and offer a better user experience.
  • To inform you about promotions, offers, and updates (if you opt in).

4. Data Security

We take data security seriously and have implemented robust measures to protect your information from unauthorized access, use, or disclosure. Our security practices include data encryption, access controls, and secure data storage.

5. Data Sharing

We may share your information with trusted third parties, including financial institutions, service providers, and Plaid, as necessary to facilitate external account transfers, process ACH payments, and securely link and access your bank accounts. However, we do not sell your information to third parties.

6. User Choices and Control

You have control over your data. You can access and update your account information, manage communication preferences, and request data deletion through your account settings.

7. Third-Party Services

Vala integrates with ACHQ for external account transfers and ACH payment processing. Additionally, Plaid is used to securely link and access your bank accounts. Please review ACHQ's and Plaid's respective Privacy Policies for details on how they collect and handle your financial information.

8. Cookies and Tracking

Vala may use cookies or tracking technologies to enhance your user experience. You can manage or disable these features in your device settings.

9. Children's Privacy

Vala is not intended for use by children under the age of 18. We do not knowingly collect information from children.

10. Changes to Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or applicable laws. Any updates will be posted on our website, and the "Last Updated" date will be revised accordingly.

11. Contact Information

If you have questions or concerns about this Privacy Policy, please contact us at

12. Consent

By using Vala, you consent to this Privacy Policy.

13. Applicable Laws and Jurisdiction

This Privacy Policy is governed by the laws of State Of California (CCPA). Any disputes arising from this policy will be subject to the jurisdiction of State Of California (CCPA).