Privacy Policy | Clarius Money

Clarius Money is developed and published by Clarius Finance Labs LLC, a Texas limited liability company ("we," "us," or "our"). We are committed to protecting your privacy. This Privacy Policy explains what information we collect, how we use it, and your rights with respect to that information.

Please read this policy carefully. By using Clarius Money, you agree to the practices described here.

1. Our Privacy-First Philosophy

Clarius Money is designed to keep your financial data on your device. You don't create a username or password with us — on iOS you sign in with Sign in with Apple, and Apple handles your identity. Your financial data — transactions, budgets, goals, and spending history — stays in encrypted storage on your phone by default and is not transmitted to our servers.

Cloud sync is optional. If you enable it — for example to back up your data or to use Family sharing — your synced data is encrypted in transit and encrypted at rest in the cloud. Cloud sync is always opt-in and clearly disclosed at the time of setup.

2. Information We Collect

2.1 Sign-In Information

Clarius Money uses Sign in with Apple for authentication on iOS. We do not ask you to create a username or password, and we never see or store your Apple password — Apple verifies your identity and returns a unique identifier for your account.

The only personal information we receive is what you choose to share through Apple. If you use Apple's Hide My Email option, that may be nothing more than an anonymized private relay email address; you can also choose to share your name. We use this information solely to authenticate you and provide support. We do not use it for advertising, and we do not sell it.

2.2 Financial Data

Your financial data stays on your device by default. Specifically:

All transactions, budgets, goals, and spending data are stored locally on your device in encrypted SQLite storage
This data is not transmitted to our servers during normal app use
It leaves your device only if you turn on cloud sync — and when you do, it is encrypted in transit and encrypted at rest in the cloud

The only other data we may receive is anonymous crash reports and diagnostic information if you opt in through iOS settings. This contains no financial information.

2.3 Voice Input for Expense Entry

Clarius offers an optional voice feature so you can log an expense by speaking (for example, "eight dollars on coffee"). To use it, Clarius requests access to your device's microphone and speech recognition. You can decline, and you can revoke these permissions at any time in iOS Settings — the rest of the app continues to work without them. When you use voice entry:

Your speech is converted to text by Apple's built-in speech recognition. Depending on your device and iOS settings, this transcription may be performed on your device or by Apple; it is handled by iOS, and Apple's processing is governed by Apple's Privacy Policy.
The resulting text is then interpreted into a draft expense (an amount, a merchant or note, and a suggested category) on your device — using Apple's on-device AI (Apple Foundation Models) on supported devices, or a simple rule-based parser on others. To suggest a category, the names of the categories in your budget are provided to this on-device parser.
Clarius does not send your voice recordings, transcripts, or the parsed result to our servers. Only the expense you review and confirm is saved — on your device, or synced if you have turned on cloud sync.

2.4 Family Plan Users

Family plan users opt into cloud sync to enable shared features. When you enable Family mode, the following data is synced to our secure servers:

Family member nicknames or display names (not legal names)
Shared budget categories and spending limits set by the parent
Aggregate spending data for shared visibility (e.g., allowance tracking)
Family goal progress

Each member's individual transaction history remains on their device and is never shared with our servers or other family members unless explicitly included in a shared budget.

2.5 Website Visitors

Our website (clariusmoney.com) collects no personal information. We do not use tracking cookies, analytics services, or advertising pixels. If we add email updates or other website forms in the future, we will update this policy accordingly.

3. How We Use Your Information

We use the sign-in information Apple shares only to authenticate you, secure your account, and provide customer support. We do not use it for advertising and we do not sell it.

If you enable cloud sync or the Family plan, the synced data is used solely to:

Enable shared budget visibility between linked family member accounts
Sync family goals and allowance tracking across devices
Provide the web-based Family Portal

We do not sell, rent, or share your data with third parties for advertising or marketing purposes.

If you use voice entry, your spoken input is used only to create the expense you are logging — it is transcribed to text and interpreted into a draft expense on your device for you to review. We do not use your voice input for any other purpose, and we do not use it for advertising.

4. Data Security

All data stored on your device is encrypted using AES-256 encryption. For Family plan users, data in transit is encrypted using TLS 1.2 or higher. Stored cloud data is encrypted at rest.

We use biometric authentication (Face ID) and PIN protection to prevent unauthorized access to the app.

When you use voice entry, transcripts and any parsed draft are processed on your device and are not stored on or sent to Clarius servers. Only the expense you confirm is saved — locally, or synced if you have enabled cloud sync.

5. Data Retention

Financial data: Your financial data exists only on your device unless you enable cloud sync. If you have not enabled sync and you delete the app, that data is gone — we have nothing to retain.

Account and synced data: We retain your account information for as long as your account is active. Synced data (including Family plan data) is retained while sync or your Family subscription is active. Upon account deletion or cancellation, synced data is deleted from our servers within 30 days. You may request immediate deletion by contacting us.

6. Children's Privacy

Clarius Money is a general-audience personal finance app. It is not directed to children, and it is intended for users aged 13 and older. Where a teen (ages 13–17) uses Clarius, we expect a parent or guardian to set up access and provide consent through a Family plan. We do not knowingly collect personal information from children under 13.

If you believe a child under 13 has provided us with personal information, please contact us at privacy@clariusmoney.com and we will delete it.

7. Your Rights

Depending on your location, you may have the following rights regarding your data:

Right to access the data we hold about you
Right to deletion of your data
Right to correct inaccurate data
Right to opt out of any data processing

Because your financial data lives on your device, you can access or delete most of it directly in the app at any time. To exercise your rights over the account information or synced data we hold, contact us at privacy@clariusmoney.com.

8. Third-Party Services

Clarius Money uses the following third-party services:

RevenueCat — for subscription management. RevenueCat may collect anonymized purchase data to process your subscription. See RevenueCat's privacy policy at revenuecat.com/privacy
Apple App Store — your App Store purchase history is governed by Apple's privacy policy
Cloud hosting and database providers — for the optional cloud-sync and Family features, your synced data is stored with our hosting and database providers on infrastructure located in the United States
Apple speech recognition & Apple Foundation Models — if you use voice entry, Apple's speech recognition transcribes your speech and, on supported devices, Apple's on-device Foundation Models help interpret it. These are provided by Apple as part of iOS and governed by Apple's privacy policy. Clarius does not receive your voice recordings or transcripts.

We do not integrate advertising networks, social media trackers, or data brokers.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting a notice in the app or on our website. The effective date at the top of this document will always reflect the most recent update.

Continued use of Clarius Money after changes take effect constitutes your acceptance of the updated policy.

10. Contact Us

If you have questions about this Privacy Policy or your data, please contact us:

Clarius Finance Labs LLC
Spring, TX
Email: privacy@clariusmoney.com
Website: clariusmoney.com