Privacy Policy

1. Introduction

Clearifi ("we," "our," or "us") operated by Blazitek Solutions Inc., is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our household expense tracking application ("Service").

2. Information We Collect

2.1 Account Information

• Name and email address
• Password (encrypted, never stored in plaintext)
• Household membership information

2.2 Financial Information

When you connect your bank accounts through Plaid, we receive:

• Bank account names, types, and masked account numbers
• Transaction data (date, amount, merchant name, category)
• Account balances

We do not receive or store your bank login credentials. All bank authentication is handled securely by Plaid. For more information, see Plaid's Privacy Policy.

2.3 Payment Information

Subscription payments are processed by Stripe. We do not store your credit card details. See Stripe's Privacy Policy.

2.4 Usage Information

• Browser type and version
• Pages visited and features used
• Date and time of access

3. How We Use Your Information

We use your information to:

• Provide and maintain the Service, including transaction importing and categorization
• Auto-categorize your transactions using our categorization engine
• Generate spending reports and budget tracking for your household
• Process subscription payments
• Send important service-related communications
• Improve and optimize the Service
• Ensure security and prevent fraud

4. How We Share Your Information

We do not sell, rent, or trade your personal or financial information. We share data only with:

• Plaid: To facilitate bank account connections and transaction retrieval
• Stripe: To process subscription payments
• Supabase: Our database and authentication infrastructure provider
• Your Household Members: Users within your household can see shared financial data

We may disclose information if required by law, court order, or governmental regulation.

5. Data Security

We implement robust security measures including:

• AES-256 encryption at rest for all stored data
• TLS 1.2+ encryption for all data in transit
• Row Level Security (RLS) ensuring household data isolation
• Server-side authentication verification on all API routes
• Multi-factor authentication support for user accounts
• Regular security reviews and dependency vulnerability scanning

6. Data Retention

We retain your data for as long as your account is active. Upon account deletion:

• Bank connections are immediately revoked via Plaid
• All personal and financial data is permanently deleted within 30 days
• Authentication records are removed
• Application logs are retained for up to 90 days for security purposes, then deleted

7. Your Rights

Under applicable privacy laws (including PIPEDA and US state privacy regulations), you have the right to:

• Access: Request a copy of all personal data we hold about you
• Correction: Request correction of inaccurate personal information
• Deletion: Request permanent deletion of your account and all associated data
• Portability: Request your data in a machine-readable format
• Withdraw Consent: Disconnect bank accounts or delete your account at any time

To exercise any of these rights, contact us at the email address below.

8. Third-Party Links

Our Service may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

9. Children's Privacy

Our Service is not directed to children under 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us and we will delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the "Last Updated" date. Continued use of the Service after changes constitutes acceptance of the updated policy.

11. Contact Us

For questions about this Privacy Policy or to exercise your data rights, contact us at:

Blazitek Solutions Inc.
Email: blaziteksolutions@gmail.com
Application: Clearifi