Privacy Policy

• Your bank connections are read-only — Clarity can never move your money.
• Your financial data is never sold and never used to train AI models.
• AI processing happens server-side; your data isn't stored on-device beyond your session.
• Delete your account and your data is deleted with it.

Clarity ("we", "us") operates the Clarity personal-finance application at clarityapp.money and on iOS, from Florida, United States. This policy describes what we collect, why, and the choices you have. Contact: support@clarityapp.money.

Account information — your email address and authentication data when you sign up.

Financial data — when you connect a financial institution through Plaid, we receive read-only account information: account names, types, and balances, and transaction history (dates, amounts, merchant names, categories). We never see or store your bank username or password — those go directly to Plaid.

Content you create — categories, budgets, forecast entries, rules, notes, tags, receipts you upload, and your conversations with Sterling (chat history is stored so you can revisit it, and you can delete any thread).

Usage and device data — basic logs and diagnostics needed to operate and secure the Service.

• To provide the Service: sync accounts, categorize transactions, compute net worth, budgets, forecasts, and reports.
• To power AI features: when you use Sterling, auto-categorization, or receipt scanning, relevant data is processed by our AI provider to generate the response.
• To operate billing: subscription status and entitlements.
• To secure, debug, and improve the Service.

We do not sell your personal information, and we do not share it with third parties for their advertising.

Sterling and other AI features run server-side. The data needed to answer your request (for example, your transactions or forecast) is sent to our AI provider (Anthropic) to generate the response and is not used to train their models. AI output is generated for you and stored only as part of your chat history, which you control.

We use a small set of processors, each only for what's listed:

• Plaid — connects your financial institutions (read-only). See the Plaid End User Privacy Policy.
• Supabase — database, authentication, and storage.
• Anthropic — AI processing for Sterling, categorization, and receipt reading.
• RevenueCat & Apple — subscription billing and entitlements.
• Vercel — application hosting.

Data is encrypted in transit and at rest. Bank credentials are handled exclusively by Plaid. Access to your data is scoped to your account through row-level security, and AI/API keys live only on our servers. No system is perfectly secure, but read-only access means the Service cannot initiate movement of your money under any circumstances.

We keep your data while your account is active. Deleting your account deletes your data — accounts, transactions, forecasts, budgets, rules, chats, and receipts — from our production systems, with residual copies removed from backups on a rolling basis. You can also disconnect a financial institution at any time, or delete individual chat threads, transactions, and receipts in the app. To request deletion or a copy of your data, email support@clarityapp.money.

Depending on where you live, you may have rights to access, correct, delete, or export your personal information, and to object to certain processing. We honor these requests for all users regardless of jurisdiction — email us and we'll handle it. We do not discriminate against you for exercising your rights.

The Service is for adults. It is not directed to anyone under 18, and we do not knowingly collect data from children. If you believe a minor has created an account, contact us and we will delete it.

We'll update this policy as the Service evolves. Material changes will be announced in the app or by email, and the date above will change.