Privacy Policy

Introduction

Welcome to Clarifi ("we," "our," or "us"). We respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website (collectively, the "Service").

Please read this Privacy Policy carefully. By using Clarifi, you agree to the collection and use of information in accordance with this policy.

Information We Collect

Information You Provide Directly

When you use Clarifi, you may provide us with:

• Account Information: Name, email address, and password (if you create an account)
• Financial Information: Income amounts, budget allocations, expense entries, and savings goals
• Career Information: Profession, job title, work location, and experience level
• Partner Sharing: Email addresses of partners you invite to share financial data with
• Preferences: App settings, notification preferences, and display options

Information Collected Automatically

When you use our Service, we may automatically collect:

• Device Information: Device type, operating system, unique device identifiers
• Usage Data: Features used, time spent in app, interaction patterns
• Log Data: Access times, pages viewed, app crashes, and performance data

Information From Third Parties

We may receive information from:

• Bureau of Labor Statistics (BLS): Publicly available salary and employment data for career comparisons
• Authentication Providers: If you sign in via Google or Apple, we receive basic profile information you authorize

How We Use Your Information

We use your information to:

• Provide the Service: Calculate budget recommendations, track expenses, and display career insights
• Personalize Your Experience: Adjust recommendations based on your income, location, and life stage
• Enable Partner Sharing: Allow you to share financial data with invited partners
• Improve Our Service: Analyze usage patterns to enhance features and fix issues
• Communicate With You: Send important updates, respond to inquiries, and provide support
• Ensure Security: Detect and prevent fraud, abuse, and security incidents

How We Store Your Data

Local Storage

By default, your financial data is stored locally on your device using secure storage mechanisms. This means:

• Your data stays on your device
• We do not have access to locally stored data
• Uninstalling the app removes locally stored data

Cloud Sync (Optional)

If you enable cloud sync or partner sharing, your data is stored on secure servers:

• Provider: Supabase (hosted on AWS)
• Encryption: Data is encrypted in transit (TLS) and at rest (AES-256)
• Location: United States

Data Sharing and Disclosure

We do not sell your personal information. We may share your data in these limited circumstances:

With Your Consent

• Partner Sharing: When you invite a partner, they can view shared budget data based on your permission settings

Service Providers

We may share data with third-party vendors who assist us in operating the Service:

• Cloud hosting providers
• Analytics services
• Customer support tools

These providers are contractually obligated to protect your data and use it only for specified purposes.

Legal Requirements

We may disclose your information if required by law, court order, or government request, or to protect our rights, safety, or property.

Business Transfers

If Clarifi is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

Data Retention

We retain your data for as long as your account is active or as needed to provide the Service. You can delete your data at any time through the app settings. Upon account deletion:

• Cloud-synced data is permanently deleted within 30 days
• Locally stored data is removed when you uninstall the app
• Backup copies may persist for up to 90 days before automatic deletion

Your Rights and Choices

Depending on your location, you may have the following rights:

Access and Portability

• View all data we have collected about you
• Export your data in a portable format

Correction

• Update or correct inaccurate information

Deletion

• Request deletion of your personal data
• Delete your account and all associated data — request account deletion

Opt-Out

• Disable optional analytics and tracking
• Unsubscribe from marketing communications
• Revoke partner sharing access at any time

California Residents (CCPA)

You have the right to:

• Know what personal information we collect
• Request deletion of your data
• Opt-out of the sale of personal information (we do not sell your data)
• Non-discrimination for exercising your rights

European Residents (GDPR)

You have the right to:

• Access, rectify, or erase your personal data
• Restrict or object to processing
• Data portability
• Lodge a complaint with a supervisory authority

To exercise any of these rights, contact us at privacy@useclarifi.com.

Security

We implement appropriate technical and organizational measures to protect your data, including:

• Encryption in transit and at rest
• Secure authentication mechanisms
• Regular security assessments
• Access controls and monitoring

However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

Children's Privacy

Clarifi is not intended for users under 13 years of age (or 16 in the EU). We do not knowingly collect personal information from children. If we learn we have collected data from a child, we will delete it promptly. If you believe a child has provided us with personal information, please contact us.

Third-Party Links and Services

Our Service may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy in the app
• Updating the "Last Updated" date
• Sending an email notification (for significant changes)

Your continued use of the Service after changes constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us:

Email: privacy@useclarifi.com