Legal
Privacy policy
This policy explains what Joy Data Solutions LLC (“we”, “us”) collects, why, and what you can ask us to do about it.
1. Who we are
Joy Data Solutions LLC provides data analytics and automation consulting services. If you have questions about this policy or about data we hold, contact us at kevin.joy@joydatasolutions.com.
2. Information you give us directly
When you submit a contact form, request a consultation, book a call, or subscribe to updates, we collect:
- Your name
- Your email address
- Your phone number and preferred contact method, if you provide them
- Your company or organization, if you provide it
- The content of your message
We use this only to respond to you and to provide the services you asked about. Contact submissions are stored in Google Sheets and sent to us by email. Consultations booked through this site are scheduled using Google Appointment Scheduling, which receives the details you enter into the booking form.
3. Financial account information (Plaid)
Some of our applications let you connect a bank or financial account so your transactions can be imported automatically instead of entered by hand. This connection is optional — you only provide it if you choose to link an account.
How the connection works
We use Plaid Inc. (“Plaid”) as our service provider to connect to your financial institution. When you link an account, you enter your credentials directly into Plaid’s interface.
We never see, receive, or store your bank username or password. Plaid returns an access token to us, which we store in encrypted form and use only to retrieve the data described below.
By connecting an account you agree that Plaid may collect, use, and store your information in accordance with its own privacy policy. Your data is transmitted and handled according to Plaid’s practices. Please read Plaid’s End User Privacy Policy.
What we receive
Through Plaid we request the transactions product for institutions in the United States. That means we receive:
- Account information — the institution name, the account name, the account type, and the last four digits of the account number. We do not receive or store the full account number.
- Transaction information — for each transaction, the date, the amount, and the merchant or description.
We do not request Plaid’s identity, income, assets, liabilities, or investments products. If that changes, this policy will be updated before the change takes effect.
How we use it
Financial account data is used solely to provide the features you asked for — importing and categorizing your transactions, and producing the reports and summaries within the application. We do not sell your financial data, and we do not use it for advertising.
Disconnecting and deletion
You can disconnect a linked financial account at any time from within the application, which revokes our access token and stops any further data being retrieved. To request deletion of financial data already imported, email kevin.joy@joydatasolutions.com. We will action verified requests within 30 days.
Deleting data held by us does not by itself delete data held by Plaid. To understand or control what Plaid holds, see Plaid’s End User Privacy Policy and Plaid’s privacy portal.
4. Cookies and analytics
This site uses Google Analytics 4 to understand which pages get read and how visitors arrive. It sets cookies and records the pages you visit, general device and browser information, and an approximate location derived from your IP address — Google Analytics 4 does not log or store full IP addresses. We look at this only in aggregate. We do not use it to identify you personally, we run no advertising or remarketing tags, and we neither sell nor share this data. You can opt out using Google’s browser add-on or by blocking cookies; the site works either way.
5. Service providers we share data with
We do not sell your personal information. We share it only with providers that help us operate, and only as needed:
- Plaid Inc. — connecting your financial accounts
- Google (Cloud, Sheets, Gmail, Appointment Scheduling, Analytics) — hosting, storing enquiries, sending email, scheduling calls, and site analytics
We may also disclose information where required by law.
6. How long we keep it
We keep contact enquiries for as long as we are in touch with you and for 24 months after our last contact, then delete them. Financial account data imported through Plaid is kept only while the account is connected: if you disconnect an account or close your account with us, the imported data and the associated access token are deleted within 30 days. You can ask us to delete any of it sooner at any time.
7. Security
Measures we apply to the systems described in this policy:
- Traffic to this site and to our applications is encrypted in transit using HTTPS.
- Plaid access tokens are stored encrypted, not in plain text.
- We never receive or store your bank login credentials.
- Access to systems holding client data is limited to personnel who need it.
No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
8. Your rights
Depending on where you live, you may have the right to:
- Ask what personal information we hold about you
- Ask us to correct information that is wrong
- Ask us to delete your information
- Withdraw consent, including by disconnecting a linked financial account
- Ask us to stop sending you marketing messages
To exercise any of these, email kevin.joy@joydatasolutions.com. We may need to verify your identity before acting on a request.
9. Children
Our services are intended for businesses and adults. We do not knowingly collect personal information from children under 13. If you believe we have, contact us and we will delete it.
10. Changes to this policy
If we change this policy we will update the effective date above. If a change materially affects how we handle financial account data, we will update this page before the change takes effect.
11. Contact
Joy Data Solutions LLC
kevin.joy@joydatasolutions.com
Governing law: the State of Maryland, USA.