Privacy Policy for Clarify Expenses

Last updated: November 30, 2025

Introduction

Clarify Expenses ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our mobile application.

Information We Collect

Financial Information

• Transaction amounts, dates, and descriptions
• Expense categories
• Income records
• CSV bank statement data you import

Account Information (if you create an account)

• Name
• Email address
• User ID
• Authentication tokens (from Google Sign-In or Apple Sign-In)

Device Information

• Device ID (for syncing across your devices)
• App usage statistics (for improving the app)
• Error logs (for debugging)
• Device model and iOS version

How We Use Your Information

• App Functionality: To provide expense tracking and categorization features
• Sync: To sync your data across your devices (if you have an account)
• Analytics: To improve app performance and user experience
• Support: To respond to your requests and provide customer support
• Categorization: To automatically categorize your transactions and improve categorization accuracy

Data Storage and Security

• Your transaction data is stored locally on your device by default
• If you use sync, data is encrypted and stored securely on our servers
• We use industry-standard encryption (HTTPS/TLS) for all network communications
• We do not sell or share your personal or financial data with third parties
• We do not use your data for advertising purposes

Third-Party Services

We use the following third-party services:

• Google Sign-In: For authentication (optional) - Google Privacy Policy
• Apple Sign-In: For authentication (optional) - Apple Privacy Policy

These services operate under their own privacy policies and terms of service.

Your Rights and Choices

• Access: You can view all your data within the app at any time
• Export: You can export your transaction data as CSV
• Delete: You can delete individual transactions or your entire account
• Opt-out: You can disable telemetry and analytics in the app Settings
• Data Portability: Your data is available in standard CSV format

Data Retention

• We retain your data as long as your account is active
• If you delete your account, all server-side data is permanently deleted within 30 days
• Local data on your device is deleted when you uninstall the app
• Aggregated, anonymized analytics data may be retained for improving the service

International Users

If you use Clarify Expenses from outside the United States, your information may be transferred to, stored, and processed in the United States or other countries where our service providers operate. By using the app, you consent to this transfer.

Children's Privacy

Our app is not intended for users under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us to have it removed.

Data Breach Notification

In the unlikely event of a data breach that affects your personal information, we will notify you via email and/or through the app within 72 hours of becoming aware of the breach.

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to request information about the personal data we have collected, used, disclosed, and sold.

Changes to This Privacy Policy

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

• Updating the "Last updated" date at the top of this policy
• Sending you a notification through the app (for significant changes)
• Sending you an email (for significant changes, if you have an account)

Your continued use of Clarify Expenses after changes to this policy constitutes your acceptance of the updated policy.

Legal Basis for Processing (GDPR)

If you are in the European Economic Area (EEA), our legal basis for processing your data is:

• Contract: Processing is necessary to provide the service you requested
• Consent: You have given explicit consent for specific processing activities
• Legitimate Interest: Processing is necessary for our legitimate interests (improving the app)

Your Consent

By using Clarify Expenses, you acknowledge that you have read this Privacy Policy and consent to the collection, use, and disclosure of your information as described herein.

© 2025 Clarify Expenses. All rights reserved.