Privacy Policy

The short version

You enter financial information so the tool can organize and project it. That data is yours: we don't sell it, we don't show ads, and we don't share it with anyone except the service providers required to run the product. If you turn on end-to-end encryption, we cannot read your financial data at all.

What we collect

Account data. Email address and password hash (or passkey credentials), managed by our authentication provider. Optional profile details you enter: name, spouse name, phone, address, and professional contacts. These exist so your printed documents read properly and travel with your plan.

Financial data you enter. Budgets, accounts, balances, properties, debts, insurance policies, income, monthly ledgers, snapshots, and plan assumptions. This is the product's content. It is stored per-account with row-level security so only your login can read it. With optional end-to-end encryption enabled, it is encrypted on your device with a passphrase we never receive, and we cannot read or recover it.

Text you send to AI features. When you use an AI-assisted import or estimate, the text you paste or attach (for example, bank transactions) is sent once to our AI provider to produce the result, and is not used to train models. Remove anything you would rather not send; the features work on what you give them.

Usage analytics. We collect anonymized, cookie-free usage statistics (pages viewed, features used, approximate device type) through Vercel Web Analytics, which uses no cookies and no cross-site tracking. This never includes the financial values you enter.

What we do not collect. We do not use advertising trackers or sell data to brokers. We do not pull data from your bank; everything arrives because you typed, pasted, or uploaded it.

Service providers (subprocessors)

• Supabase — authentication and encrypted-at-rest data storage.
• Vercel — application hosting and cookie-free usage analytics.
• Anthropic — processes text you submit to AI features, per request, not retained for model training under our API terms.
• Stripe — payment processing, only if and when subscriptions launch; we never see your full card number.

Each provider processes data only to provide its service to us.

Cookies and local storage

The service uses strictly necessary storage: an authentication session and the app's own working data on your device. There are no advertising or cross-site tracking cookies. Our analytics are cookie-free. Because of this, the service does not show a cookie consent banner; if that ever changes, this policy and the product will change together.

Retention and deletion

Your data persists while your account exists so the service can function. Deleting your account from the menu permanently deletes your stored data; this cannot be undone by us. Backups you exported are files on your own device and remain under your control. Operational logs are retained briefly for security and debugging, no more than 90 days, then deleted.

Your rights

Depending on where you live (for example, California's CCPA or the EU's GDPR), you may have rights to access, correct, export, or delete your personal information. The product gives you these directly: everything you entered is visible in the app, editable, exportable as a backup file, and deletable with your account. For anything else, contact us at fcc.supportcenter@gmail.com and we will respond within the legally required window.

Security

Data is encrypted in transit (TLS) and at rest. Access is gated by row-level security tied to your authenticated session. Passkeys and two-factor authentication are available and recommended. Optional end-to-end encryption puts the key solely in your hands. No system is perfectly secure; if a breach affects your data, we will notify you as the law requires.

Children

The service is not directed to children and is not for use by anyone under 18. We do not knowingly collect children's data; if you believe a minor has an account, contact us and we will delete it.

Changes

We will post changes here and, for material changes, notify you by email or in-app before they take effect.

Contact

Email fcc.supportcenter@gmail.com, or use Send feedback in the app's menu.