Privacy Policy

ClearPath ("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 financial wellness application at joinclearpath.io.

1. Information We Collect

We collect the following types of information:

• Account information: Name and email address when you create an account
• Financial information: Income, budget, savings, and debt amounts you voluntarily enter
• Transaction data: Spending transactions you manually log in the app
• Bank account data: If you connect your bank via Plaid, we receive read-only access to your account balances and transaction history
• Check-in data: Your weekly mood check-ins and responses
• Coach conversations: Messages exchanged with our AI financial coach
• Usage data: How you interact with the app, including features used and time spent

2. How We Use Your Information

We use the information we collect to:

• Provide and personalize the ClearPath financial wellness experience
• Generate AI-powered coaching insights and spending analysis
• Display your financial dashboard with real data
• Process subscription payments via Stripe
• Send important account and billing notifications
• Improve our app and develop new features
• Respond to your support requests

3. How We Share Your Information

We do not sell your personal information. We share your data only with the following trusted service providers:

• Supabase: Secure database and authentication provider that stores your account and financial data
• Anthropic: AI provider that powers our financial coaching. Conversations are processed to generate responses but are not used to train AI models
• Stripe: Payment processor for subscription billing. We never store your payment card details
• Plaid: Bank connection provider that enables read-only access to your financial accounts. We never store your banking credentials

We may also disclose your information if required by law or to protect the rights and safety of ClearPath and its users.

4. Bank Account Data

If you choose to connect your bank account through Plaid, we receive read-only access to your account balances and transactions. We never have access to your banking credentials, and we cannot move or transfer money. You can disconnect your bank account at any time from your Profile settings.

5. Data Security

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

• All data is encrypted in transit using TLS/SSL (HTTPS)
• Database access is protected by row-level security policies
• Payment processing is handled entirely by Stripe with PCI DSS compliance
• Bank connections use Plaid's 256-bit encryption
• We regularly review and update our security practices

6. Data Retention

We retain your data for as long as your account is active. You can request deletion of your account and all associated data at any time through the Privacy & Data Settings section in your Profile, or by emailing us at hello@joinclearpath.io.

7. Your Rights

You have the right to:

• Access the personal information we hold about you
• Correct inaccurate information
• Request deletion of your data
• Disconnect your bank account at any time
• Cancel your subscription at any time
• Opt out of non-essential communications

8. Children's Privacy

ClearPath is not intended for users under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by email or through the app. Your continued use of ClearPath after changes are posted constitutes your acceptance of the updated policy.

10. Contact Us

If you have any questions about this Privacy Policy or how we handle your data, please contact us at:

ClearPath
Email: hello@joinclearpath.io
Website: joinclearpath.io