Privacy Policy

Your privacy is fundamental to everything we do at planwithclarity.app. This Privacy Policy explains what information we collect, how we use it, and your rights regarding your data. Our core privacy promise is simple: your financial data never leaves your device without your explicit consent and/or action taken; provided, however, that if you choose to use AI features or otherwise submit Financial Information to us or to third-party service providers integrated into the Site, such submission constitutes your direction to transmit that data for the limited purpose of providing the requested feature.

Our Privacy-First Philosophy

planwithclarity.app was built on a foundational principle: you should never have to hand over your bank credentials, brokerage passwords, or sensitive financial account information to use a retirement planning tool. Unlike many financial apps, we do not require account linking of any kind, and we instruct users not to submit bank or brokerage credentials anywhere on the Site.

Introduction

Welcome to planwithclarity.app. This site is owned and operated by Zeb Properties, LLC ("planwithclarity.app," "we," or "us"). This Privacy Policy governs your use of our website and app, hereafter referred to as the "Site" or "service", and applies to all processing of Personal Information as defined herein.

We understand that your data is important to you and that you care about how your information is collected and used. We have compiled the information below to explain how we gather, use, and store your information. Please read through this policy carefully. By accessing or using the Site and/or Application ("App"), or by otherwise affirmatively consenting where presented with a consent mechanism, you acknowledge that you have read and understood this Privacy Policy and consent to the processing of your information as described herein.

The Site and service are designed, marketed, and made available to residents of the United States. We do not direct the Site and/or service to, and do not intend to offer the Service in, any jurisdiction outside of the United States. We publish only in U.S. English. We transact only in U.S. Dollars. We operate under a generic top-level domain and maintain no country-specific pages or domains outside of the United States. We do not advertise, market or solicit to users outside of the United States. Account registration requires an affirmation of U.S. residency. If you are located outside of the United States, the Site and service are not intended for you and you should not create an account or submit personal information to us.

Information We Collect

Defining Personally Identifiable Information

Personally identifiable information is any information collected by us or provided by you that with reasonable efforts could be used to identify you, including the information you give to us directly, the information we automatically collect, and, when applicable, information supplied to us by third parties whose products or services are used to operate and/or deliver the Site and its features (collectively, "Personal Information").

Specifically, we may collect the following types of information (that you voluntarily provide):

• information that directly identifies you such as your name and email address;
• order and billing information (processed by our payment processor; we do not store full payment card numbers) such as payment information and billing address;
• information you voluntarily submit to us, such as submission via the in-app feedback form (including your email address) regarding your requests for support and/or assistance with the Site or your account;
• account preference and settings;
• Financial Information as defined below;
• technical, connection and/or device information may be collected using Google Analytics 4 (GA4), including the items below; such information is used solely to improve the Site and/or service and is not linked by us to your identity or Financial Information, and is processed pursuant to our data processing terms with Google and Google's privacy policy.
• IP address (anonymized);
• Browser type and version;
• Pages visited and time spent on the Site;
• Referring website; and
• Device type.

Notes:

• The Site does not access geolocation information about where you are when using the device.
• Account creation is powered by Clerk (email and Google OAuth). Subscription billing is processed by Stripe.
• When you create an account, your email address and subscription status are stored securely in our cloud database (Supabase). Your Financial Information remains in your browser's localStorage. Account/cloud sync of Financial Information, if introduced in the future, will be strictly opt-in with your explicit consent.

Defining Financial Information

Financial Information means all financial data and information you enter into the Site (which may include portfolio values, spending assumptions, Social Security estimates, etc.). Financial Information is stored in your browser using localStorage technology by default. This data:

• Does not leave your device or browser;
• Is not transmitted to our servers unless you affirmatively choose to transmit it (for example, by enabling an optional sync or sharing feature or by submitting it to an AI feature);
• Is not viewable by our staff;
• Is not shared with any third parties unless you affirmatively choose to transmit it (for example, by enabling an optional sync or sharing feature or by submitting it to an AI feature).

How We Collect Your Information

We collect this information in the following ways: directly from you and automatically using technology like cookies, web bugs, and other web technologies.

Information Directly From You

As you use the Site, information we collect directly from you includes information provided in response to our direct request for your name and email address. We may also collect information that you provide in correspondence with our company. In addition, when you fill out a form, complete a survey, sign up for an email list, make a purchase, share content, leave a comment, or engage in other similar interactions, you are directly providing us with your personal information.

If you decide to register for an account with us to access additional resources, services, and goods on our Site, you may be asked to complete a form requesting information such as your name and email address in order to create a user account.

Information Automatically Collected Using Technology

Our Site may use cookies, web beacons, log files, and/or similar technologies to automatically collect information about who you are and how you use our Site. Cookies are small files stored on your computer that contain information and are used to track information as you navigate different sites. These technologies work together and collect information about

• the type of device you are using;
• browsers you prefer;
• domain names you may access;
• your activities on the device; and/or
• your IP address.

These technologies are not intended to collect Personal Information but may be used in conjunction with other information gathered; accordingly, we take steps to avoid associating such data with identified users and honor applicable consent settings.

Do Not Track

Certain browsers and devices allow individuals to send "do not track" signals to websites. If you would like to refuse some or all of the browser cookies, you can set your browser preferences accordingly. Please note that disabling cookies may cause portions of the site to be inaccessible or function incorrectly.

Information From Third Parties

In some instances, we may receive information from our third-party partners and vendors about our users. We may also incorporate third-party marketing and analytic services, such as Google Analytics, to help us analyze how our Site is being used.

Our Privacy Policy only governs planwithclarity.app's use of your information; however, we may use these third-party services to analyze and enhance your experience. The privacy policies and terms & conditions of those third-party services may also apply to you and/or your information.

How We Use Your Information

We collect and use information from you for the following purposes, in each case only to the extent permitted by applicable law and our agreements with service providers:

• to operate and maintain our sites, apps, and/or services;
• to present our content to you through our sites, apps, and/or services;
• to communicate with you;
• to fulfill our obligations to you as presented when you provided the information;
• to notify you about changes to our sites, apps, and/or services;
• to enhance and optimize your experience;
• provide, maintain, and improve any services;
• process subscription payments;
• respond to support and feedback requests;
• analyze usage patterns to improve the sites, apps, and/or services (using anonymized, aggregated data);
• for any other purpose with your informed consent, where required by applicable law.

In some instances, we also use information to contact you about goods and services we offer that you may find valuable; however, you can opt out of marketing emails at any time by using the unsubscribe link in those emails or by contacting us at support@planwithclarity.app.

How We Share Your Information

We will NEVER: sell your Personal Information to third parties; use Financial Information for advertising purposes; share your data with data brokers; or use your information to target you with advertisements other than simple promotional emails to our email list (which you can opt out of).

Though we do not sell or disclose the personal information we collect in the ordinary course of our business, we may share your data with third parties in accordance with the purposes described above. Additionally, in the course of business, if we buy or sell business assets or participate in a company sale, merger, reorganization, or dissolution, the data we have collected may be part of such business transfers.

We carefully select third-party providers and vendors who maintain a high level of privacy and security standards, and we enter into data processing agreements with them where required by law. We do not share your Financial Information with third parties without your express consent and/or action. Below is a nonexhaustive list of some of the partners and vendors we use to provide our services and conduct business:

• Google Analytics. Google Analytics is a tool used to discover user demographics and behavior. You can reference Google's privacy policy regarding how they handle information collected by visiting https://policies.google.com/privacy.
• Stripe. Stripe is a payment processor for online businesses. Its policies regarding data collection are outlined here: https://stripe.com/privacy. A DPA is automatically incorporated via Stripe Services Agreement.
• Netlify. Netlify is used to host the Sites, apps and/or services. Its policies regarding data collection are outlined here: https://www.netlify.com/privacy/. A DPA is incorporated by reference in Netlify's terms and conditions.
• Clerk. Clerk is used for authentication. It manages user sign-up, sign-in and session management. Its policies regarding data collection are outlined here: https://clerk.com/legal/privacy. A DPA is automatically incorporated via Clerk Standard Terms.
• Supabase. Supabase is used for a database. It stores account data including email address and subscription status. It does not store your financial planning data. Its policies regarding data collection are outlined here: https://supabase.com/privacy.
• Anthropic.
  • planwithclarity.app integrates with Anthropic's Claude API to provide two AI features:
  • (a) AI Synopsis: a one-click analysis of your saved retirement plan data (portfolio value, spending assumptions, ages, income sources, Monte Carlo results, expense totals, and scenario assumptions). Before generating a synopsis, you see a data notice describing exactly what numerical plan data will be transmitted, and you must click "Confirm & Generate" to proceed.
  • (b) AI Chat: a conversational assistant that answers questions about your retirement plan using the same plan data as context. The assistant is instructed to limit its responses to retirement planning, personal finance, and related topics, and to decline unrelated requests.
  • What we transmit to Anthropic: For both features, only the numerical plan data you have entered (portfolio values, ages, expense totals, Monte Carlo results, etc.) plus, for AI Chat, your typed message and recent chat history. We never transmit your name, email address, mailing address, or account credentials to Anthropic. You should never transmit your name, email, address, account credentials or any other sensitive, confidential or private information in the AI Chat function.
  • Client-side safeguards: The AI Chat includes a best-effort filter that blocks messages from being sent if they contain recognizable Social Security numbers, phone numbers, email addresses, or street addresses. This filter is not a substitute for user judgment — you should not enter sensitive personal or financial information (account numbers, passwords, medical information, etc.) into the AI Chat. See our Terms of Service for further details.
  • Anthropic's data handling: We use the Anthropic Commercial API under Anthropic's Commercial Terms of Service, which incorporates a Data Processing Addendum with Standard Contractual Clauses. Under Anthropic's standard commercial API retention policy, inputs and outputs are retained for no more than 7 days for abuse monitoring purposes, after which they are deleted. Anthropic does not use commercial API data for model training. Anthropic's privacy policy is available at https://www.anthropic.com/legal/privacy.
• Cloudflare. Our infrastructure providers use Cloudflare for bot detection and security. Cloudflare may set cookies to distinguish human visitors from automated traffic. We do not have a direct account with Cloudflare; this service is provided through our authentication provider (Clerk) and/or hosting provider (Netlify).

This list is subject to change at our discretion. If you would like more information about our third-party partners, please visit their specific privacy policy pages that describe their practices.

How We Protect Your Information

As a company, the protection of your information is important to us. We have designed and adopted administrative, technical, and physical safeguards appropriate to the nature of the information we process to protect your data. It is important to note that while we make efforts to protect your data, no method of transmission or storage is 100% secure; accordingly, we cannot guarantee absolute security of any information collected or transmitted to our Site, apps and/or services.

Additionally, if you have registered for an account on our Site, you should not share your password or username with any other third parties. It is your responsibility to keep this information confidential, to use strong, unique passwords, and to keep your device, operating system, browser, and other tools and software updated.

Legal and Protective Disclosures

We may disclose Personal Information if we have a good-faith belief that disclosure is necessary to: comply with applicable law, a subpoena, court order, regulatory request, or other legal process; enforce our Terms of Service, Privacy Policy, Cookie Policy, or other agreements with you, or investigate potential violations; protect the rights, property, or safety of the Company, our users, or others; or detect, prevent, or address fraud, security, or technical issues.

Cookies and Tracking

See our separate Cookie Policy.

Your Rights and Choices

Subject to applicable law, you have the following rights regarding your information:

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may request that we correct inaccurate information.
• Deletion: You may request that we delete your account and associated personal information.
• Portability: You may request your data in a portable format.
• Opt-out: You may opt out of non-essential communications at any time.

To exercise any of these rights, please contact us at: support@planwithclarity.app; we may take reasonable steps to verify your identity before responding to your request.

Correcting or Updating Your Information

We retain your account information for as long as your account is active or as needed to provide the Site, apps, and/or service. If you delete your account, we will delete or de-identify your Personal Information within 30 days, except where retention is required or permitted by law (for example, for tax, accounting, fraud prevention, or security purposes). We cannot control how third parties treat deleting personal information within their own privacy policies and/or terms of service.

Financial Information stored locally in your browser can be cleared at any time by clearing your browser data or using the data management tools within the service.

If you discover that inaccurate information about you has been collected, or if you would like to update the information we currently have, please contact us via email at support@planwithclarity.app, or by mail at Zeb Properties, LLC, 817 S. MacArthur Blvd., Ste. 115 #1155, Coppell, Texas 75019.

Privacy of Children

We do not use our Site to knowingly collect personal information from or about children. Please contact us if you learn or have reason to suspect that a child under the age of 18 is using the Site. We will take prompt action to delete any personal information about the child. We cannot control how third parties treat deleting personal information within their own privacy policies and/or terms of service.

Specific California Resident Rights

We do not believe that the California Consumer Privacy Act (CCPA) applies to us because we do not meet its threshold requirements; however, we nonetheless provide the disclosures and rights described in this Section to California residents to the extent required by law.

This section is only applicable for individuals who reside in California and should be read in conjunction with our entire Privacy Policy. If you are a California resident, you have the right to:

• obtain additional information about "personal information" (as defined in the California Consumer Privacy Act (CCPA));
• request that we disclose certain information collected, used, disclosed, and sold about you;
• request deletion of your personal information; and
• opt out of the sale of your personal information.

The information covered by these specific rights is information that could be reasonably linked to you. It excludes information that cannot be reasonably linked to you.

We do not sell personal information. To exercise your California privacy rights, please contact us at support@planwithclarity.app.

Specific Texas Resident Rights

We do not believe that the Texas Data Privacy and Security Act (Tex. Bus. & Com. Code Ch. 541) applies to us because we are a small business as defined by the United States Small Business Administration; however, we nonetheless provide the disclosures and rights described in this Section to Texas residents to the extent required by law.

This section is only applicable for individuals who reside in Texas and should be read in conjunction with our entire Privacy Policy. Under the Texas Data Privacy and Security Act (Tex. Bus. & Com. Code Ch. 541), Texas residents have the right to: confirm whether we process their personal data and access that data; correct inaccuracies in their personal data; delete personal data provided by or obtained about them; obtain a portable copy of their personal data; opt out of processing for purposes of targeted advertising, sale of personal data, or certain profiling.

To help you better understand our practices, the chart below describes the categories of personal information collected, the sources of this information, how we use this information, and with which third parties we have shared this information within the past twelve months. This information is for illustrative purposes only and may not be an exhaustive list.

To exercise your right to make requests regarding your personal information, please contact us via email at support@planwithclarity.app, or by mail at Zeb Properties, LLC, 817 S. MacArthur Blvd., Ste. 115 #1155, Coppell, Texas 75019.

We may take steps to verify your identity before providing the requested information.

European Users

We do not believe that Regulation (EU) 2016/679 (the "EU GDPR") or the United Kingdom General Data Protection Regulation (the "UK GDPR," and together with the EU GDPR, the "GDPR") applies to our activities because we do not target the European Union or the United Kingdom and do not engage in behavioral profiling of data subjects in those jurisdictions.

This Policy nonetheless sets out supplemental disclosures that would apply if and to the extent the GDPR were determined to apply to any of our activities. Nothing herein should be read as an admission that the GDPR applies.

This Section applies only to the extent the EU GDPR or the UK GDPR is determined to apply to our processing of your personal data. Nothing in this Section constitutes an admission that the GDPR applies to any of our activities.

Controller

Zeb Properties, LLC, is the controller of personal data processed through the Service for purposes of the GDPR.

Legal Bases for Processing

Where the GDPR applies, we rely on the following legal bases:

Contract performance: to provide the Site, app and/or service, create and administer your account, process payments, and respond to your requests.

Legitimate interests: to secure the Site, app and/or service, prevent fraud and abuse, analyze and improve the Site, app and/or service, and communicate with you about the Site, app and/or service. Our legitimate interests are balanced against your rights and freedoms.

Legal obligation: to comply with applicable legal, tax, and regulatory obligations.

Consent: where we request your consent, such as for certain cookies or marketing communications. You may withdraw consent at any time without affecting the lawfulness of processing before withdrawal.

Your Rights

You have the right to:

• access your personal data and receive a copy;
• rectify inaccurate or incomplete personal data;
• request erasure of your personal data, subject to applicable exceptions;
• restrict processing of your personal data in certain circumstances;
• object to processing based on legitimate interests or for direct marketing;
• data portability, where processing is based on consent or contract and carried out by automated means;
• not be subject to a decision based solely on automated processing that produces legal or similarly significant effects (we do not engage in such decision-making);
• withdraw consent at any time where processing is based on consent;
• lodge a complaint with your local supervisory authority.

To exercise these rights, contact us as set out herein. We will respond within one month, subject to extension by up to two additional months for complex or numerous requests.

International Transfers

Transfers of personal data from the European Economic Area or the United Kingdom to the United States or other jurisdictions, if any, are carried out pursuant to appropriate safeguards under the GDPR (such as standard contractual clauses); a copy of the safeguards applicable to a specific transfer may be requested by contacting us as set out herein.

Retention

Retention periods for purposes of the GDPR are the same as those described herein for non-GDPR retention periods.

EU Representative

We have not appointed a representative in the European Union or the United Kingdom. Our processing of personal data of EU or UK data subjects, if any, is occasional, does not include large-scale processing of special categories of personal data or data relating to criminal convictions, and is unlikely to result in a risk to the rights and freedoms of natural persons.

Updates to This Policy

We may update this policy from time to time. If any updates are made to this policy, they will be posted here. Additionally, if material changes are made to this policy, we will provide notice on the Site and, where required by law, by email to registered users. Please check this page frequently for updates. Your continued use of the Site, app, and/or service after the effective date of any changes constitutes acceptance of the revised policy.

Contact Us

If you have any questions, comments, or concerns about this Privacy Policy or our services, please contact us via email at support@planwithclarity.app, or by mail at Zeb Properties, LLC, 817 S. MacArthur Blvd., Ste. 115 #1155, Coppell, Texas 75019.