1Who we are
My Clear Finance (the "App") is owned and operated by MDB Bookkeeping, 25 Park Ave, Monroe, NY 10950 ("we", "us" or "our"). This Privacy Policy explains what information we collect when you use the App and the website myclearfinance.com, how we use it, and the choices you have.
2Information we collect
- Account information: your name, email address, sign-in details, and household and language settings.
- Bank information (only if you connect a bank): through Plaid we receive account names, types and partial account numbers, balances, and transactions. We never receive your bank username or password.
- Information you add: statements you upload, spending you enter by hand, budgets, maaser and gemach records, goals and notes.
- Coach conversations: the questions you ask the Financing Coach and its answers.
- Optional contact details: a mobile number, if you agree to receive text messages, and your notification settings.
- Billing information (paid plans): your plan and payment status. Card details are handled by our payment processor, not stored by us.
- Technical information: basic device, browser and usage information, such as pages visited and error logs, that helps us keep the App working and secure.
3Bank connections and Plaid
We use Plaid Inc. ("Plaid") to connect your bank accounts. When you connect a bank, you share your information with Plaid, and Plaid shares information from your bank with us. Bank connections are read-only: we cannot move your money.
By connecting an account, you agree that Plaid's collection, use and sharing of your information is governed by the Plaid End User Privacy Policy. You can disconnect a bank at any time in the App, and you can also manage your connections with Plaid at my.plaid.com.
4How we use your information
We use your information only to run and improve the App for you:
- to show your accounts, spending, budgets, maaser, gemach loans, goals and reports
- to sort transactions and give answers in the Financing Coach
- to keep your account secure and prevent fraud or misuse
- to send you messages you asked for, and important notices about your account
- to handle your plan and payments, and to answer your questions
- to follow the law
We do not sell your personal information, and we do not use your financial information for advertising.
6How we protect it
We use reasonable safeguards to protect your information, including encrypted connections (HTTPS), secure sign-in, and access limited to people who need it. No system is perfectly secure, so please keep your password private and let us know right away if you think your account has been used without your permission.
7How long we keep it
We keep your information for as long as your account is open. When you ask us to delete your account, we delete or anonymize your information within a reasonable time, except for anything the law requires us to keep, such as billing records.
8Your choices and rights
- See and update your information in the App.
- Disconnect a bank at any time.
- Turn notifications and text messages on or off in Settings.
- Ask us for a copy of your information, or ask us to correct or delete it, by writing to office.mdbbookkeeping@gmail.com.
Depending on where you live, you may have more rights under local law. We will honor them.
9Children
The App is for adults 18 and older. We do not knowingly collect personal information from children under 13. If you think a child has given us information, please contact us and we will delete it.
10Changes to this policy
We may update this Privacy Policy from time to time. When we do, we will change the date at the top of this page, and for important changes we will let you know in the App or by email.
11Contact us
Questions or requests about your privacy? Write to us any time.
MDB Bookkeeping
25 Park Ave, Monroe, NY 10950
office.mdbbookkeeping@gmail.com