Privacy Policy
BrokeLess · Last updated October 9, 2026
BrokeLess (“BrokeLess,” “we,” “us,” or “our”) is owned and operated by LLC Kreyol Kollection, a New York limited liability company. This policy explains what we collect, how we use it, and the choices you have. It covers the BrokeLess app and this website.
The short version
- We collect only what we need to help you plan your money.
- We never ask for your bank passwords or Social Security number.
- Screenshots you upload are read and then deleted. We keep only the details you confirm.
- We do not sell your information, and we don’t use advertising trackers.
- You can delete your account and all your data anytime inside the app.
1. Who can use BrokeLess
BrokeLess is for adults 18 or older. We don’t knowingly collect information from anyone under 18. If we learn that we have, we will delete it.
2. Information we collect
When you create an account
- Name (first and last), email address, and a password. Passwords are stored in scrambled (hashed) form by our account provider; we can’t see them.
- Birthday, to confirm you’re 18 or older and so Pennii can wish you a happy birthday.
- Phone number, only if you choose to add it.
Your money plan
- Paycheck amount, how often you’re paid, and your next payday
- Bills, subscriptions, debts, and “Pay Later” plans (for example Affirm, Klarna, or Afterpay): names, amounts, due dates, balances, and payments left
- Savings goals, spending you choose to log, check-ins, and wins
- Questions you ask Pennii, our in-app assistant
Screenshots and files you upload
If you upload a screenshot or statement, we use it only to read the details you ask us to add. It is sent securely to our servers and read by an artificial intelligence service (see Section 4). We show you what we found so you can confirm or change it. The file is then deleted; we don’t keep copies. We instruct our systems not to save full account or card numbers or Social Security numbers. At most we keep the last four digits so you can tell accounts apart.
Website waitlist
If you join the waitlist on this website, we collect your email address only, to tell you when BrokeLess is available.
Collected automatically
Basic technical information needed to run the app, such as device type, operating system and app version, and crash reports. We don’t collect your precise location, contacts, or advertising identifiers.
What we never collect
Bank, card, or app passwords; Social Security numbers; full bank account or card numbers.
3. How we use your information
- To run BrokeLess: calculate what’s yours to spend, plan bills across paychecks, track goals, and answer your questions
- To read screenshots you choose to upload
- To send reminders and emails you need, such as sign-in codes, payday and bill reminders you turn on
- To back up your plan to your account so you can restore it on a new phone
- To keep BrokeLess secure, fix problems, and improve it
- To follow the law
We do not sell your personal information or use it for advertising.
4. Who we share information with
Only with service providers that help us run BrokeLess, and only so they can provide that service:
| Provider | What they do |
|---|---|
| Supabase | Secure database, accounts, and servers |
| Anthropic (Claude) | Reads uploaded screenshots and powers Pennii’s answers |
| Sends account emails, such as sign-in codes | |
| Expo | App updates and delivery |
| Apple and Google | App distribution and notifications |
| Hostinger | Hosts this website |
We may also share information if required by law, to protect the safety of our users or the public, or as part of a sale or merger of the business. If that happens, this policy will keep protecting your information or we’ll tell you first.
5. How we protect your information
- Information is encrypted while traveling to and from our servers (HTTPS) and encrypted at rest.
- Our database is set up so each person can see only their own information.
- Secret keys stay on our servers, never inside the app.
- Uploaded files are deleted after they are read.
No system is 100% secure. If a breach affecting your personal information ever happens, we will notify you and the authorities as the law requires.
6. How long we keep information
- Screenshots and files: deleted right after they are read.
- Your account and plan: kept while your account is active.
- When you delete your account: removed from our active systems right away. Copies in routine backups are removed automatically as those backups expire.
- Waitlist emails: kept until BrokeLess launches or you ask us to remove yours.
7. Your choices and rights
- Edit your information anytime in the app.
- Delete your account and all your data from Profile → Delete my account.
- Ask for a copy of your data, or to be removed from the waitlist, by emailing us.
- Turn off notifications in the app or your phone’s settings.
Depending on where you live, you may have more privacy rights. Contact us to use them. We won’t treat you differently for doing so.
8. Not financial advice
BrokeLess is a planning tool. It is not a bank, lender, or financial, investment, tax, or legal advisor. See our Terms of Service.
9. Changes to this policy
If we make important changes, we’ll tell you in the app or by email before they take effect.
10. Contact us
LLC Kreyol Kollection (BrokeLess)
New York
hello@kreyolkollection.com