Privacy · Trust
Your plan stays private. You control what leaves.
Your plan is encrypted on this device. If you sign in, an encrypted copy can sync across your devices. We do not ask for bank logins or connect to an Account Aggregator. Coach questions are different: the text and numbers you choose to send go to our AI provider to generate an answer.
On-device encryption
No bank access
No Account Aggregator
The technical version
Your data is written to your browser's localStorage, an isolated per-origin store no other website can read. When you sign in, an encrypted copy syncs to our backend so your plan follows you across devices — the payload is opaque bytes; we hold your email for your account, never your salary, savings or holdings. Vybe Coach is the one exception: when you choose to send a question, its text and any numbers you typed are sent to our AI provider to generate the answer.Where we stand on the DPDP Act, 2023
India's Digital Personal Data Protection Act and its Rules govern how personal data is collected and used. We would rather say plainly how we meet it than leave you to infer it.
- What we collect
- If you never sign in: nothing personal at all. If you sign in with Google: your email address and display name, plus an encrypted blob of your plan that we cannot read. If you check your Vybe Score: an anonymous score and age bracket, with no identifier attached to it.
- Why we collect it
- Your email exists so your account works across devices. The anonymous score exists so we can tell you how you compare with others your age. That is the whole purpose, and we do not use either for anything else.
- Data minimisation
- There is no phone number field. No PAN, no Aadhaar, no bank credential, no Account Aggregator consent, no address. We ask for four numbers to produce a score and we do not keep them.
- Your consent, and taking it back
- Signing in is the consent, and it is specific to running your account. Monthly emails are a separate opt-in you switch on yourself, with one-click unsubscribe and no sign-in required. Delete your account and the encrypted plan goes with it.
- No sale, no sharing, no calls
- We do not sell data, do not share it with lenders or distributors, and nobody from Vybe will call you. Why we won't call.
Security disclosures: security.txt. Questions? About & FAQ.