Privacy Policy

Sicuro is a personal financial organization and planning tool. To provide the service, we collect and process information that you provide directly to the app, including:

• Account and profile information — Your name, email address, and authentication credentials used to create and access your Sicuro account. Authentication is managed by our platform provider.
• Financial account information — Account names and types that you enter (e.g., "Checking," "Savings," "Visa"), along with balances you input or track.
• Income information — Paycheck amounts, frequency, and other income you record.
• Bills and recurring expenses — Bill names, amounts, due dates, and payment schedules you enter.
• Spending and transaction information — Individual transactions you log manually or import through a connected financial data service, including merchant names, amounts, dates, and categories.
• Debt information — Debt account names, balances, interest rates, minimum payments, and payment history you enter.
• Savings goals and financial planning information — Goal names, target amounts, current savings, sinking fund targets, and related planning preferences.
• App settings and preferences — Theme preference, financial priority settings, debt strategy selections, emergency fund configuration, and other app preferences.
• Technical and service information — Authentication tokens, session identifiers, and other information reasonably necessary to operate and secure the application, including cookies used for authentication and session management.

If you choose to link an external financial account through our integrated data service (Plaid), additional terms and privacy practices from that service may apply to your use of that feature.

We use the information described above to provide the features and functionality you request, including:

• Budgeting and expense tracking
• Safe to Spend calculations
• Financial planning tools
• Debt payoff tools and projections
• Savings goals and sinking fund tracking
• Analytics and financial summaries
• AI Coach (when you choose to use it)
• Other features you access within the app

We also use information to authenticate your account, maintain and improve the service, troubleshoot issues, and ensure the security of the application.

AI Coach is an optional feature. When you choose to ask the AI Coach a question, Sicuro prepares a summary of your relevant financial context (such as your Safe to Spend amount, upcoming bills, spending categories, debt balances, and savings goals) and sends it to our AI service provider to generate a response.

• AI Coach is optional. You are not required to use AI Coach, and the app functions fully without it.
• Limited sharing. Only information reasonably needed to answer your request is included in the summary sent to the AI provider. Sicuro does not intentionally send bank account numbers, passwords, or similar financial account credentials to the AI provider.
• AI provider. AI Coach responses are generated using a language model (Claude) provided by Anthropic, accessed through our platform provider's integration. Your prompt and the financial summary are transmitted to this provider for the purpose of generating a response.
• AI responses may contain errors. AI-generated responses are informational only and may be incomplete, inaccurate, or outdated. They should not be relied upon as professional financial, investment, tax, accounting, or legal advice.

We may share information with service providers who help us operate and maintain the service, as described below. We may also disclose information when required by law, to comply with legal process, or to protect our rights, property, or the safety of others.

We use third-party service providers to operate Sicuro, including:

• Platform provider (Base44) — Provides application hosting, database infrastructure, authentication services, and the AI integration that powers AI Coach. Your account information, financial data, and AI Coach prompts are processed by this provider to deliver the service.
• AI service (Anthropic / Claude) — When you use AI Coach, your financial summary and question are sent to Anthropic via our platform provider to generate a response.
• Financial data service (Plaid) — If you choose to link an external financial account, Plaid facilitates the connection and retrieves transaction data on your behalf. Plaid's access is governed by its own terms and privacy policy.

These providers process information on our behalf to deliver the service and are subject to their own contractual and legal obligations regarding data protection. Our platform and hosting providers may also collect technical information (such as IP addresses, request logs, and device type) reasonably necessary for security, reliability, and service operation.

We take reasonable measures to protect the information you provide. However, no system or method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security of your information.

Your financial data is retained in the app's cloud database for as long as your account is active. If you delete individual accounts, transactions, or other records within the app, those specific records are removed from the cloud database. Sicuro may also cache certain financial and app state in your browser's local storage to improve your experience. Clearing your browser's local storage removes this cached copy from your device but does not delete your account or financial data stored in the cloud. To delete your account and associated cloud data, please email us at support@getsicuro.com as described below.

You can:

• Access and review your financial information within the app at any time.
• Update or correct information you have entered.
• Delete individual accounts, transactions, bills, goals, and other records within the app.
• Unlink a connected financial account at any time through the app's settings.
• Clear your browser's local storage to remove cached data from your device.
• Request deletion of your account and associated data by contacting support (see "Account/Data Deletion" below).

Sicuro does not currently offer a self-service feature to delete your entire account and all associated data in one action. To request full account and data deletion, please email us at support@getsicuro.com or visit our Support page. When you submit a deletion request, we will remove your account information and financial data stored in the app's cloud database, subject to legal or operational requirements to retain certain information.

You may delete individual records (such as accounts, transactions, bills, and goals) within the app at any time. Deleting individual records removes them from the cloud database, but does not delete your account itself.

Sicuro is not directed to children under the age of 18, and we do not knowingly collect information from children. If you believe a child has provided information to us, please email us at support@getsicuro.com so we can take appropriate action.

We may update this Privacy Policy from time to time. If we make material changes, we will update the "Effective Date" at the top of this page. We encourage you to review this policy periodically.

If you have questions about this Privacy Policy, please email us at support@getsicuro.com or visit our Support page.