Clarulo ("we," "us," or "our") is committed to protecting your personal and financial information. This Privacy Policy describes what data we collect, how we use it, and the choices you have.
Account information: When you request access or create an account, we collect your name, email address, and the reason you provided for wanting access.
Financial data via Plaid: When you connect a bank account, Plaid (our banking data partner) provides us with transaction history, account balances, and income information. We receive this data on your behalf. Your bank credentials are never shared with or stored by Clarulo.
Credit data: If you choose to pull your credit report, we request it on your behalf from our credit bureau partner. This data is stored encrypted and used only to populate your dashboard.
Usage data: We collect information about how you interact with the app — tabs visited, features used, sync frequency — to improve the product. We do not sell this data.
Technical data: IP address, browser type, device identifiers, and access logs, used for security and debugging.
We do not use your financial data for advertising purposes. We do not sell your data to third parties.
We share your information only with the following categories of service providers, strictly for the purpose of delivering our service:
We require all service providers to maintain confidentiality and security standards consistent with this policy.
We store all financial data encrypted at rest using AES-256. Data in transit is protected by TLS 1.2 or higher. We use row-level security on our database so each user can only access their own data. Access tokens from Plaid are stored encrypted and never exposed to your browser.
We retain your account data for as long as your account is active. If you close your account, we delete your personal and financial data within 30 days, except where retention is required by law.
Depending on your jurisdiction, you may have the right to:
To exercise any of these rights, email us at privacy@clarulo.com.
We use only functional cookies necessary to keep you signed in. We do not use third-party advertising or tracking cookies.
Clarulo is not directed at children under 13. We do not knowingly collect data from anyone under 13. If you believe a child has provided us with personal data, contact us immediately.
We may update this Privacy Policy from time to time. Material changes will be communicated via email at least 14 days before they take effect. Continued use of Clarulo after that date constitutes acceptance of the revised policy.
Questions? Contact our privacy team at privacy@clarulo.com or write to: Clarulo Inc., Privacy Team, United States.