The Mattress Wallet, a corporation (the “Corporation,” “we,” “us,” or “our”), respects your privacy and is committed to handling your personal information responsibly. This Privacy Policy explains what information we collect through the website located at www.themattresswallet.com and our digital savings platform (together, the “Platform”), how we use and protect that information, and the choices available to you. Because we operate a personal finance service, protecting the information you entrust to us is central to how we build our product.

1. Company Information

Telephone: (888) 791-8085

Email: support@themattresswallet.com

Website: www.themattresswallet.com

2. Information We Collect

Information You Provide Directly

Identity and contact details such as your name, email address, mobile telephone number, and mailing address.
Account credentials, including your username and a securely hashed password.
Subscription and billing details, such as your selected plan and payment card information, which is collected and processed by our third-party payment processor.
Financial preferences you configure yourself, including budget categories, savings goals, target amounts, and automation rules.
Messages, support requests, survey responses, and any other content you submit through our contact or newsletter forms.

Financial Account Information

If you choose to connect an external bank account or credit card, our secure data aggregation partner retrieves read-only information on your behalf, which may include account names, balances, transaction history, transaction descriptions, and merchant categories. We use this information to populate your dashboard and generate insights. We do not receive or store your online banking password.

Information Collected Automatically

Device and technical data such as IP address, browser type, operating system, device identifiers, and referring pages.
Usage data such as the pages and features you view, the actions you take within the Platform, and the dates and times of your sessions.
Cookies and similar technologies used to keep you signed in, remember your preferences, secure your session, and measure aggregate site performance. Most browsers allow you to refuse or delete cookies, though some Platform features may not function properly if you do.

3. How We Use Your Information

To create, authenticate, and maintain your account and deliver the features included in your subscription plan.
To display your balances, categorize your transactions, calculate budgets, and generate personalized savings insights.
To process subscription payments and send billing confirmations and receipts.
To respond to your questions and provide customer support by phone, email, or text.
To monitor for fraud, unauthorized access, and other activity that threatens the security of the Platform or its users.
To send you promotional marketing communications by email or SMS where you have consented to receive them, and to measure how those communications perform.
To analyze aggregate, de-identified usage patterns so that we can improve and develop our products.
To comply with applicable legal, regulatory, and record-keeping obligations.

4. SMS Messaging and Mobile Information

Where you have provided your mobile telephone number and expressly consented, we may send you promotional marketing text messages from The Mattress Wallet. Your consent to receive text messages is never a condition of purchasing any product or service, and you may withdraw it at any time by replying STOP to any message, by texting HELP to 47203, by calling (888) 791-8085, or by emailing support@themattresswallet.com. Message frequency varies and message and data rates may apply.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties, excluding aggregators and providers of the Text Message services.

All other categories of information disclosed within this Privacy Policy continue to be handled in accordance with the disclosure practices described in Section 5 below.

5. How We Share Information

We do not sell your personal information, and we do not rent or trade it to data brokers. We share information only in the limited circumstances described below.

Service Providers. With vendors who perform functions on our behalf, such as cloud hosting, financial data aggregation, payment processing, email and SMS delivery, analytics, and customer support tooling. These providers are contractually restricted to using your information only to perform services for us.
At Your Direction. With third parties you explicitly authorize, such as a financial institution you ask us to connect or a household member you invite to a shared plan.
Legal and Safety. When we believe in good faith that disclosure is required by law, subpoena, court order, or other legal process, or is necessary to protect our rights, investigate fraud, or protect the safety of any person.
Corporate Transactions. In connection with a merger, acquisition, financing, reorganization, or sale of assets, in which case we will require the recipient to honor the commitments made in this Privacy Policy.
Aggregated Data. We may publish or share aggregated, de-identified statistics that cannot reasonably be used to identify you.

6. Data Security

We maintain administrative, technical, and physical safeguards designed to protect your information. These include encryption of data in transit and at rest, multi-factor authentication, role-based access controls that limit employee access to what is necessary for their responsibilities, continuous monitoring, and regular review of our security practices. Financial account credentials are handled through our aggregation partner using tokenized, read-only connections.

While we take these protections seriously, no method of transmission or storage over the internet is completely secure. You play an important role as well: use a strong, unique password, enable multi-factor authentication, and notify us immediately at support@themattresswallet.com if you believe your account has been compromised.

7. Data Retention

We retain your personal information for as long as your account remains active and thereafter for the period necessary to satisfy our legal, accounting, tax, and dispute-resolution obligations. When information is no longer needed for these purposes, we delete it or de-identify it so that it can no longer be associated with you.

8. Your Choices and Rights

Access and Correction. You may review and update most of your account information directly within the Platform, or contact us for assistance.
Deletion. You may request that we close your account and delete your personal information, subject to information we are required to retain by law.
Disconnecting Accounts. You may unlink any connected bank or credit card account at any time, which stops further retrieval of data from that institution.
Marketing Preferences. You may unsubscribe from marketing emails using the link in any such email, and you may opt out of promotional text messages by replying STOP.
State Privacy Rights. Depending on your state of residence, you may have additional rights regarding access, portability, correction, deletion, and the ability to opt out of certain processing. We honor all applicable state privacy rights and will not discriminate against you for exercising them.

To exercise any of these rights, contact us at support@themattresswallet.com or (888) 791-8085. We may need to verify your identity before fulfilling your request.

9. Children’s Privacy

The Platform is intended for adults and is not directed to children. We do not knowingly collect personal information from anyone under the age of eighteen (18). If we learn that we have collected such information, we will delete it promptly. A parent or guardian who believes a minor has provided us with personal information should contact us at support@themattresswallet.com.

10. Third-Party Links and Services

The Platform may contain links to third-party websites, applications, or financial institutions that we do not control. This Privacy Policy does not apply to those third parties, and we are not responsible for their privacy practices. We encourage you to review the privacy policy of any third party before providing information to it.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. The current version is always available on this page, and material changes will be communicated through the Platform or by email or text where appropriate. Your continued use of the Platform after an update constitutes acceptance of the revised Privacy Policy.

12. Contact Us

If you have questions about this Privacy Policy, wish to exercise a privacy right, or would like more information about how we handle your data, please reach out using the details below.