Privacy Policy

Introduction

ClarifiQ ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our personal finance management application and services.

By using ClarifiQ, you agree to the collection and use of information in accordance with this policy.

Information We Collect

Account Information

When you create an account, we collect:

• Email address
• Username
• Password (encrypted)

Financial Information

When you connect your bank accounts through our service provider Plaid, we collect:

• Bank account information (account numbers, balances)
• Transaction data (purchases, payments, transfers)
• Account holder information
• Institution information

Important: We use Plaid to securely connect to your financial institutions. Your banking credentials are never stored on our servers. Plaid encrypts and securely transmits your credentials directly to your financial institution.

Usage Information

We automatically collect certain information when you use ClarifiQ:

• Device information (type, operating system, browser)
• IP address and location data
• Log data (access times, pages viewed, errors)
• App usage patterns and interactions

AI Interactions

When you use our AI Financial Coach:

• Conversation history and queries
• Financial advice requests
• Insights generated by AI

How We Use Your Information

We use your information to:

• Provide and maintain our service
• Process and analyze your financial transactions
• Generate personalized financial insights and recommendations
• Detect and categorize subscriptions
• Provide AI-powered financial coaching
• Improve and optimize our services
• Send important notifications about your account
• Detect and prevent fraud or security issues
• Comply with legal obligations

Data Sharing and Disclosure

Service Providers

We share information with trusted third-party service providers:

• Plaid Inc. - For secure bank account connections and transaction data retrieval
• Supabase - For secure data storage and authentication
• OpenAI - For AI-powered financial insights and coaching (anonymized data only)
• Vercel - For hosting and application infrastructure

Legal Requirements

We may disclose your information if required by law or in response to:

• Valid legal processes (subpoenas, court orders)
• Government or regulatory requests
• Protection of our rights or safety
• Fraud prevention or security investigations

Business Transfers

If ClarifiQ is involved in a merger, acquisition, or sale of assets, your information may be transferred. We will provide notice before your information is transferred and becomes subject to a different privacy policy.

We do NOT:

• Sell your personal or financial information to third parties
• Share your data with advertisers
• Use your information for marketing purposes without consent

Data Security

We implement industry-standard security measures to protect your information:

• Encryption: All data transmitted between you and ClarifiQ is encrypted using TLS/SSL
• Storage: Data at rest is encrypted using AES-256 encryption
• Authentication: Secure password hashing and optional two-factor authentication
• Access Controls: Strict internal access controls and monitoring
• Regular Audits: Security assessments and vulnerability testing

While we strive to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

Your Rights and Choices

You have the following rights regarding your information:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and data
• Export: Download your transaction data
• Disconnect: Remove connected bank accounts at any time
• Opt-out: Unsubscribe from marketing communications

To exercise these rights, contact us at privacy@clarifi-q.com or use the settings in your account.

Data Retention

We retain your information for as long as your account is active or as needed to provide services. When you delete your account:

• Your account data is deleted within 30 days
• Some information may be retained for legal compliance (typically 7 years)
• Anonymized data may be retained for analytics and service improvement

Children's Privacy

ClarifiQ is not intended for users under the age of 18. We do not knowingly collect information from children. If you believe we have collected information from a child, please contact us immediately at privacy@clarifi-q.com.

International Users

ClarifiQ is based in the United States. By using our service, you consent to the transfer of your information to the United States, which may have different data protection laws than your country of residence.

California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to say no to the sale of personal information
• Right to delete personal information
• Right to equal service and price

Note: We do not sell personal information.

Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by:

• Posting the new policy on this page
• Updating the "Last Updated" date
• Sending an email notification for material changes

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

Contact Us

If you have questions about this Privacy Policy or our data practices:

Third-Party Links

Our service may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.