Privacy policy & terms
We built Clarity to earn your trust. This page explains what we collect, how we use it, and your choices—plain and simple.
Privacy policy
We only collect what we need to run Clarity. We never sell your personal information.
Information we collect
- Account info: Your name, email, and hashed password to create and secure your account.
- Financial data (via Plaid): Read‑only balances, transactions, and account details. We never see your bank credentials.
- Billing info (via Stripe): Subscription and payment details handled by Stripe. We don’t store full card numbers.
- Hosting & storage (via Supabase): Secure storage and access controls for your data.
- Usage data: Device type, pages viewed, timestamps, and aggregated analytics to improve performance.
- AI insights (powered by OpenAI): Optional summaries or forecasts based on transaction descriptions or aggregates. We do not send credentials or full account numbers.
- Cookies: Session cookies (required), plus optional analytics and marketing cookies if you consent.
How we use your information
- Provide the product: Show balances and transactions; generate forecasts and helpful insights.
- Process billing: Manage subscriptions and payments.
- Keep things safe: Prevent fraud, secure accounts, and fix issues.
- Improve Clarity: Analyze anonymized or aggregated usage to make the experience better.
Legal bases for processing (GDPR)
Where GDPR applies, we rely on: consent (for AI insights and non‑essential cookies), contract (to provide our service and billing), legitimate interests (security and product improvement), and legal obligations (compliance and record‑keeping).
Data sharing
- Trusted partners: Plaid, Stripe, Supabase, and vetted AI providers like OpenAI, under contracts and data protection agreements.
- Legal requirements: We may share information to comply with laws or protect safety and our rights.
- International transfers: Data may be processed outside your region. We use appropriate safeguards (such as Standard Contractual Clauses) for cross‑border transfers.
Data retention
- Your account: Kept while your account is active; deleted when you close it (subject to legal requirements).
- Connected institutions: Financial data is removed when you disconnect or delete your account.
- AI outputs: Kept up to 12 months, then anonymized to improve the product.
- Usage logs: Kept up to 24 months for security and diagnostics.
- Billing records: Kept as required by law (commonly up to 7 years).
Children’s privacy
Clarity is for users aged 18+. We don’t knowingly collect information from children under 18. If you believe a child has provided information, contact us and we’ll delete it.
Contact us
Questions or privacy requests? Email support@finnclarity.com. You can also reach our Data Protection Officer at privacy@finnclarity.com.
Your rights
We respect your choices, and we’ll verify requests to protect your privacy.
If you’re in the EU/UK (GDPR)
- Access & portability: Get a copy of your data, or receive it in a portable format.
- Correction & deletion: Fix mistakes or ask us to delete your data.
- Restrict or object: Limit certain processing or object to it.
- Withdraw consent: Change your mind about optional features like AI insights or cookies.
- Complain: Contact your local supervisory authority if you’re not satisfied.
If you’re in California (CCPA/CPRA)
- Know: Learn what personal information we collect and how we use it.
- Delete: Ask us to delete your personal information (with legal exceptions).
- Correct: Fix inaccurate personal information.
- Opt out: Opt out of selling or sharing personal information for cross‑context behavioral advertising. We don’t sell personal information.
- Limit use of sensitive info: Limit certain uses of sensitive personal information.
- Non‑discrimination: We won’t treat you differently for exercising your rights.
To exercise your rights, you can contact us at privacy@finnclarity.com or manage settings in your account (where available).
AI transparency
AI insights are optional. We use them to make your data more understandable, not to make decisions for you.
- What we send: Only the minimum context needed (like transaction descriptions or aggregates). No credentials or full account numbers.
- Providers: We partner with vetted AI vendors such as OpenAI.
- Retention: AI outputs linked to your account may be kept up to 12 months, then anonymized.
- Your choice: You can opt out of AI features at any time.
- Limitations: AI can be imperfect. Insights are for your consideration and do not constitute financial advice.
Security
We protect your information with modern security practices.
- Encryption: HTTPS in transit and encryption at rest.
- Access controls: Role‑based access, least privilege, and audit logging.
- Testing: Regular security reviews and compliance audits.
- Incidents: If something goes wrong, we notify affected users and relevant authorities as required by law.
Terms of service
These terms explain the rules for using Clarity. We keep them straightforward so you can focus on your business.
What Clarity is
Clarity is a read‑only business finance tool. We don’t move money, and we don’t provide financial, legal, accounting, or tax advice.
Eligibility
You must be at least 18 years old to use Clarity.
Your account
You’re responsible for keeping your login secure and for the activity under your account. Misuse may lead to suspension or termination.
Connected accounts
When you connect a bank or institution, you authorize us and Plaid to access read‑only financial data to power Clarity’s features.
Subscriptions & billing
Payments are handled by Stripe. Subscriptions renew automatically unless canceled before the renewal date. Refunds are provided as required by law.
AI‑generated content
AI insights are suggestions. They may contain errors and are not advice. You should verify important details before making decisions.
Acceptable use
- Be respectful: Don’t try to access other users’ data or disrupt our service.
- Don’t reverse engineer: Don’t attempt to decompile or misuse Clarity.
- Stay safe: Don’t upload harmful content or use Clarity for illegal activities.
Changes and updates
We may update these terms and the privacy policy. If we make material changes, we’ll notify you in the product or by email.
Dispute resolution & governing law
These terms are governed by U.S. federal law and Oregon state law. Disputes will be resolved in Portland, Oregon, unless local law requires otherwise.
Limitation of liability
To the maximum extent permitted by law, our liability is limited to the fees you paid to Clarity in the 12 months before the claim.