LEGAL

Privacy Policy

Effective October 7, 2026

1Who we are and what this covers

This Privacy Policy explains how AskJoy (“AskJoy,” “we,” “us,” or “our”), a service operated by BlueTile, LLC, a Delaware limited liability company, collects, uses, shares, and protects personal information when you use the AskJoy app, askjoynow.com, and related services (the “Services”). It is part of our Terms of Use.

The Services are offered only to adults 18 and older in the United States.

2Information we collect

We collect only what we need to run the Services.

Category	Examples	Source
Account information	Name, email, phone number, password (stored hashed)	You
Financial account data	Account names, last 4 digits, balances, transactions (merchant, amount, date)	Your bank or card issuer, through Plaid
Email data	Receipts, renewal notices, billing and cancellation emails, with sender, subject, and date	Your Gmail or Outlook account, if you connect it
Subscriptions and requests	Subscriptions found, budgets, cancellation, negotiation, and refund requests and their outcomes	You and the Services
Provider credentials	Username, password, or verification code for one subscription provider	You, only when you choose to share them for a request
Communications	Support messages, AI assistant chats, provider correspondence about your requests	You, AskJoy, and providers
Device and usage data	Device type, OS, app version, IP address, in-app actions, crash logs	Your device, through Sentry and PostHog
Payment information (future)	Card type and last 4 digits; Stripe holds full card numbers, not AskJoy	You, through Stripe

We do not knowingly collect Social Security numbers, precise geolocation, biometric data, or health data. If an email we scan contains sensitive information, we use it only to identify subscriptions.

3How we use information

We use personal information to:

• detect and display your subscriptions, recurring charges, and budgets;
• send alerts about renewals, trials, and price changes by push, email, or text;
• carry out cancellation, bill negotiation, and refund requests you make;
• power the AI assistant and our AI-based subscription detection;
• provide support and verify your identity;
• fix bugs, monitor performance, and understand which features are used, in aggregate;
• prevent fraud, secure the Services, and comply with law; and
• process payments once paid plans launch.

AI processing

AskJoy uses AI models from Anthropic to read transactions and emails for subscription details, answer your questions, and help complete requests. Anthropic processes this data as our service provider under contract and does not use it to train its models. AI can make mistakes, so you can review any action before you approve it.

What we never do

We do not sell your personal information. We do not share it for targeted advertising, show ads, or earn affiliate fees. We do not send marketing texts. We do not use your financial or email data to build profiles for anyone else.

4How we share information

We share personal information only as described here.

Service providers

These companies process data for us under contracts that limit their use to providing services to AskJoy.

Provider	Purpose	Data involved
Plaid Inc.	Connects your financial accounts	Bank login (handled by Plaid), account and transaction data
Google and Microsoft	Connect your Gmail or Outlook inbox	Access tokens and the email data you authorize
Anthropic, PBC	AI subscription detection and assistant	Transactions, email excerpts, and messages sent for processing
Amazon Web Services, Inc.	Cloud hosting and storage in the United States	All data stored by AskJoy
Zendesk, Inc.	Customer support	Support messages, name, email, and details you share with support
Twilio Inc.	Account text messages	Phone number and message content
Sentry (Functional Software, Inc.)	Crash and error reporting	Device data and error logs, excluding financial and email content
PostHog, Inc.	Product analytics	In-app usage events and device data, excluding financial and email content
Stripe, Inc.	Payment processing, once paid plans launch	Payment card and billing details

Plaid’s handling of your data is also governed by the Plaid End User Privacy Policy.

Subscription providers

When you ask us to cancel, negotiate, or request a refund, we share with that provider the details needed to identify your account and complete the request.

Legal and safety

We may disclose information if required by law, subpoena, or court order, or to protect the rights, safety, or property of AskJoy, our users, or others.

Business transfers

If AskJoy is involved in a merger, acquisition, or sale of assets, information may transfer to the new owner, who must honor this Policy for data collected before the transfer.

With your consent

We share information for other purposes only with your permission. We may share aggregated or de-identified data that cannot reasonably identify you.

5Email data (Gmail and Outlook)

If you connect an inbox, AskJoy requests only the permissions needed to find subscription-related messages, and only after you approve them on Google’s or Microsoft’s consent screen.

• Use. We use email data only to identify subscriptions, receipts, renewals, and billing changes, and to power features you have turned on.
• No ads or sale. We never use email data for advertising, and never sell it.
• Human access. AskJoy staff do not read your email unless you ask us to (for example, for support), it is needed for security or to comply with law, or it has been aggregated and anonymized.
• Transfers. We share email data only with service providers that help run these features, such as Anthropic, under confidentiality obligations, or as required by law.
• Google data. AskJoy’s use and transfer of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements.
• Revoking access. Disconnect your inbox in AskJoy settings or in your Google or Microsoft security settings. We then stop accessing it and delete the email data we stored, as described in Section 6.

6How long we keep information

We keep personal information while your account is active and as needed to provide the Services. When you delete your account, disconnect a data source, or ask us to delete your data:

Data	What happens	Timing
Bank and inbox connections, stored provider credentials	Access revoked and credentials deleted	Immediately
Personal information in live systems	Deleted or de-identified	Within 30 days
Backups	Overwritten and purged	Within 90 days
Records of your requests and the permissions you gave	Kept to resolve disputes	Up to 3 years
Payment and tax records, once paid plans launch	Kept as required by law	Typically 7 years

While your account is active, provider credentials you share for a request are deleted promptly after that request closes, and no later than 30 days after. De-identified or aggregated data that cannot identify you may be kept longer.

7Security

We protect information with safeguards that include encryption in transit and at rest, access limited to staff who need it, and monitoring for unauthorized access. Plaid handles your bank login, so AskJoy never receives or stores your bank password. No system is completely secure. If a breach affects your personal information, we will notify you as required by law.

8Your choices and rights

Rights for all US users

Wherever you live in the US, you can ask us to:

• access the personal information we hold about you and get a portable copy;
• correct inaccurate information;
• delete your information, subject to the retention limits in Section 6; and
• disconnect your bank or inbox, or turn off alerts and texts, at any time in settings.

To make a request, use Settings > Privacy in the app or email legal@askjoynow.com. We verify your identity by confirming you control your account email and respond within 45 days. You may use an authorized agent with your signed permission. We will not treat you differently for exercising these rights. If we deny a request, you can appeal by replying to our decision, and we will respond within 45 days.

Text messages

Reply STOP to any AskJoy text to stop texts, or HELP for help. We send only account messages, never marketing.

California residents

California law gives you the rights above, plus the right to know the categories of personal information we collect (Section 2), its sources, why we use it (Section 3), and who receives it (Section 4). We do not sell or share personal information for cross-context behavioral advertising, and have not done so in the past 12 months. We use sensitive personal information, such as account credentials and financial account data, only to provide the Services you request.

Washington residents

We extend the rights above to Washington residents. AskJoy does not collect consumer health data covered by Washington’s My Health My Data Act.

Other states

Residents of other states with privacy laws, such as Oregon, Colorado, Virginia, and Texas, may have similar rights. We honor them through the same process.

Do Not Track and Global Privacy Control

Because we do not sell or share data for advertising, these browser signals do not change how we process your data.

9Children

The Services are not intended for anyone under 18, and we do not knowingly collect information from minors. If we learn we have, we will delete it. Contact legal@askjoynow.com if you believe a minor has used AskJoy.

10Changes to this Policy

We may update this Policy from time to time and will post the new version with an updated effective date. For material changes, we will notify you by email or in the app before they take effect. We will not use information we already collected in a materially different way without your consent.

11Contact us