Privacy Policy

The short version: ClariFi is a personal finance app, so it handles sensitive numbers — and it is built local-first. Your financial data lives on your iPhone by default. It leaves your device only when you choose to sign in and sync, or connect a bank through Plaid. We show no ads, embed no third-party analytics or trackers, and never sell or share your data for advertising. Ever.

Who we are

ClariFi is an independent iOS app built by Mohan Sai. For anything in this policy, contact singamsettymohansai10@gmail.com.

Data that stays on your device

Everything you enter in ClariFi — transactions, categories, budgets, accounts, goals, retirement plans — is stored in a local database on your iPhone. If you use ClariFi without an account ("Continue without account"), that data never leaves your device, and we have no copy of it, no account for you, and no way to see it.

Widgets and Siri shortcuts read the same on-device database. Notifications (budget summaries, upcoming-bill reminders) are computed and scheduled on your device.

If you sign in: accounts and cloud sync

You can optionally sign in with Apple or Google. When you do, we collect the minimum an account needs:

• Email address and name — as provided by Apple or Google at sign-in (with Sign in with Apple you can hide your real email).
• A user identifier — so your data can be attached to your account.

Signing in enables cloud sync: your financial data is stored on our servers so it can back up, restore, and stay consistent across your devices. Our backend runs on Cloudflare (API) and Supabase (database) infrastructure. Data is encrypted in transit (HTTPS/TLS), and sign-in sessions are stored in the iOS Keychain on your device.

Synced data is used for exactly one purpose: providing the app's features to you. It is not mined, profiled, sold, or used for advertising.

Bank connections (Plaid)

If you connect a bank or brokerage, the connection is made through Plaid, a widely used financial data network. Important details:

• ClariFi never sees or stores your bank username or password. You enter credentials directly with Plaid or your bank; we only receive a scoped access credential.
• Through Plaid we receive your linked accounts' details (name, type, masked account number), balances, transactions, and investment holdings — the data the app displays to you.
• Plaid's handling of your data is described in the Plaid End User Privacy Policy.

You can disconnect a bank at any time in the app; disconnecting asks Plaid to invalidate the connection.

Market data

To price investment holdings, the app fetches quotes for ticker symbols and currency pairs from market data services. These requests contain only the symbols being priced — not your identity, account details, or amounts held.

Sharing with a partner

Household sharing is strictly opt-in: data is shared only with a person you explicitly invite, and you can leave a household at any time. We never share your data with other users otherwise.

What we never do

• No advertising, and no advertising SDKs.
• No third-party analytics or tracking libraries.
• No selling, renting, or trading your personal data — to anyone, for any reason.
• No tracking you across other companies' apps or websites.

Face ID

If you enable the app lock, Face ID / Touch ID verification is performed entirely by iOS. ClariFi only receives a yes/no result — biometric data never reaches the app or our servers.

Deleting your data

• Delete your account in the app (Settings) — this deletes your account and synced data from our servers.
• Local data is deleted when you delete the app from your iPhone (or use the in-app data-erase option).
• If anything ever fails, email singamsettymohansai10@gmail.com and we'll delete it manually.

We keep synced data only while your account exists; minimal operational logs (e.g. sign-in events) are pruned automatically on a short schedule.

Children

ClariFi is not directed at children under 13, and we do not knowingly collect data from them.

Changes to this policy

If this policy changes, the new version will be posted at this address with an updated effective date. Material changes will be called out in the app.

Contact

Questions, requests, or concerns: singamsettymohansai10@gmail.com. See also the support page.