Privacy Policy

Effective date: March 29, 2026

Pack Finance, Inc. ("Pack," "we," "us," or "our") operates the website jointhepack.app. This Privacy Policy explains how we collect, use, and protect your information when you visit our website and join our waitlist.

1. Information We Collect

We collect only the information you voluntarily provide when joining our waitlist:

• Email address
• First name (if provided)
• General information about your debt situation (creditor names, approximate amounts) if you choose to share it

We also automatically collect basic analytics data such as page views, browser type, and referring URL through standard web analytics. We do not use this data to personally identify you.

2. How We Use Your Information

We use the information we collect to:

• Add you to our waitlist and notify you when Pack launches
• Send occasional updates about Pack's progress (you can unsubscribe at any time)
• Understand general interest in our service to guide product development
• Respond to your questions or requests if you contact us

3. What We Don't Do

We take your privacy seriously. We do not:

• Sell, rent, or trade your personal information to third parties
• Share your email address with advertisers or marketing partners
• Run a credit check or access your credit report
• Contact your creditors on your behalf (Pack is currently in pre-launch phase only)
• Store sensitive financial information such as bank account numbers, Social Security numbers, or payment card details

4. Data Storage and Security

Your waitlist information is stored securely using Supabase, a trusted cloud database platform with encryption at rest and in transit. We use industry-standard security measures to protect your data from unauthorized access, alteration, or destruction.

5. Third-Party Services

We use a limited number of third-party services to operate our website:

• Supabase — database hosting for waitlist signups
• Vercel — website hosting
• Beehiiv — email communications

Each of these services has its own privacy policy governing how they handle data. We only share the minimum information necessary for these services to function.

6. Cookies

Our website uses minimal cookies necessary for basic site functionality. We do not use tracking cookies or third-party advertising cookies.

7. Your Rights

You have the right to:

• Request a copy of the personal data we hold about you
• Request deletion of your data from our waitlist at any time
• Unsubscribe from email communications at any time
• Correct any inaccurate information we may have

To exercise any of these rights, contact us through our website at jointhepack.app.

8. Children's Privacy

Pack is not intended for individuals under the age of 18. We do not knowingly collect information from minors. If we learn that we have collected personal information from a child under 18, we will delete that information promptly.

9. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify waitlist members by email before the changes take effect. The "Effective date" at the top of this page indicates when this policy was last revised.

10. Contact Us

If you have questions about this Privacy Policy or your personal data, contact us through our website at jointhepack.app.