Privacy Policy
Last Updated: January 19, 2026
ZBGC LLC ("we," "us," or "our") operates the Mercury mobile application. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our App.
Information We Collect
Personal Information
When you create an account, we may collect:
- Email address (from Apple or Google Sign-In)
- Name (if provided through Sign-In)
- Account identifier
Financial Information
When you connect your bank accounts through Plaid, we access:
- Account balances
- Transaction history (amounts, dates, merchant names, categories)
- Account names and identifiers
Important: We never store your bank login credentials. All bank authentication is handled securely by Plaid.
Usage Information
We automatically collect certain information when you use the App:
- Device information (device type, operating system)
- App usage patterns
- Crash reports and performance data
How We Use Your Information
We use the information we collect to:
- Provide, maintain, and improve the App
- Display your spending data and analytics
- Calculate and track your spending limits
- Identify recurring subscriptions and bills
- Send notifications and spending alerts
- Respond to customer support requests
- Ensure the security and integrity of our services
Data Sharing and Disclosure
We do not sell your personal information. We may share your information with:
- Plaid: To connect to your financial institutions and retrieve transaction data
- Supabase: Our database provider for secure data storage
- RevenueCat: For subscription management
- Apple: For authentication (Sign in with Apple) and push notifications
- Legal Requirements: When required by law or to protect our rights
Data Security
We implement appropriate technical and organizational measures to protect your data, including:
- Encryption of data in transit and at rest
- Secure authentication methods
- Regular security assessments
- Access controls and monitoring
Data Retention
We retain your data for as long as your account is active or as needed to provide services. Transaction data is typically retained for up to 24 months to provide historical spending insights. You can request deletion of your data at any time.
Your Rights
You have the right to:
- Access your personal data
- Correct inaccurate data
- Delete your account and associated data
- Disconnect your bank accounts at any time
- Opt out of marketing communications
Children's Privacy
Mercury is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18.
Third-Party Services
Our App integrates with third-party services. Please review their privacy policies:
Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy in the App or by email.
Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us:
Email: support@zbgcllc.com
Website: zbgc.fyi
California Residents
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA). You may request to know what personal information we collect and request its deletion. To exercise these rights, contact us at support@zbgcllc.com.