Privacy Policy

1. Information We Collect and Process

Depending on the features and subscription tier you choose, You The Winner Money processes:

• Account and Authentication Credentials: Subscriber email address and cryptographic passkey identifiers managed securely via Cloudflare D1. We do not store plaintext passwords.
• Financial Ledger Data: Account names, balance entries, transaction categories, amounts, and daily spend targets entered by the user.
• SSI and ABLE Benefit Tracking: User-provided account balance figures used to monitor the federal Supplemental Security Income ($2,000 / $3,000) and ABLE 529A account caps.
• Optional Bank Linking (Plaid): If you choose automated bank sync, financial institution credentials are submitted directly through Plaid under Plaid security controls. We receive read-only tokens and do not store bank passwords.
• Google Sheets Sync: If enabled, transaction data is transmitted directly into your personal Google Drive via your configured Google Apps Script Web App.

2. How We Use Information

We use processed information solely to:

• Calculate your safe daily spend pacing, category burn rates, and financial projections.
• Alert you when SSI countable resources approach regulatory thresholds.
• Provide automated synchronization to your personal Google Sheets ledger when requested.
• Maintain authenticated sessions and enforce security controls.
• Process subscription billing, renewals, and customer support inquiries.

We do not use your financial data for targeted advertising, credit score profiling, or third-party lead generation.

3. Payments and Infrastructure Partners

Subscription payments are processed securely through Stripe. GoEnhanced LLC does not receive or store complete payment card numbers.

Application hosting, databases, and edge routing are provided by Cloudflare (Workers, D1, KV) under enterprise-grade security protocols. Membership inquiries are safely relayed through our authenticated endpoint at formsrelay.goenhanced.com.

4. Security and Inactivity Protection

Because personal money records are highly sensitive, our system incorporates:

• Automated 15-Minute Inactivity Lock: Automatically ends active sessions if the user leaves the interface unattended.
• Strict Content Security Policy (CSP): Prevents unauthorized script execution and frame hijacking.
• Origin Isolation & HSTS: State-changing requests are strictly validated against verified origins over encrypted TLS 1.3 channels.

5. Data Sovereignty and Your Rights

You retain full ownership of your records. You may export all ledger transactions to CSV or sync them to Google Sheets at any time. You can clear local browser storage directly from the settings interface, or request complete account and passkey erasure by contacting us.

6. Governing Law and Contact

You The Winner Money is operated by GoEnhanced LLC, based in Texas, United States.

For privacy questions or data deletion requests, contact us at:
support@youthewinner.com or privacy@goenhanced.com