Privacy Policy
The short version
The financial data you enter into ClearZero — your debts, balances, interest rates, and payoff plans — is stored only on your own device. It never leaves your browser, whether or not you have an account. If you create an account for Premium, ClearZero stores just your email address and your plan. Stripe handles payments, so your card details never reach us. We can't see your numbers, and we don't want to.
1. Information We Collect
a. Financial Data You Enter
All debt and financial information you enter into ClearZero is stored only in your browser's local storage, on your own device. It is never sent to ClearZero or to any of the services listed below. This is true for everyone, including Premium subscribers and people who are logged in. You can delete it at any time by clearing your browser's site data for clearzero.money.
b. Account Information (only if you log in)
You don't need an account to use ClearZero. Accounts exist only for Premium. If you log in, ClearZero stores:
| Your email address | To sign you in. We send you a one-time sign-in link instead of using passwords. |
| Your plan (Free or Premium) and when Premium started | To unlock Premium features for you. |
| A Stripe customer reference | To connect your account to your subscription, once you've started checkout. |
That is everything. You can see it at any time on your Account page.
c. Payment Information
Premium payments are handled by Stripe. You enter your card details on Stripe's secure pages, never on clearzero.money, and they are never sent to ClearZero. Stripe keeps your email address, payment method, any billing address you give it, and your payment history, under Stripe's Privacy Policy. ClearZero receives only whether your subscription is active and its renewal or end date.
d. Waitlist Sign-Ups
If you join the Premium waitlist, we collect your email address through Netlify Forms. We use it only to tell you when Premium launches, including any launch offer. We will not send you unrelated marketing, and we will not share your email with anyone else. You can ask to be removed at any time by emailing us.
e. Analytics Data (Google Analytics)
We use Google Analytics to understand how visitors use ClearZero. It collects information such as pages visited, approximate location (country or region), browser and device type, and how you arrived at the site. It does not receive your name, your email address, or any financial information.
You can opt out of Google Analytics using the Google Analytics Opt-out Browser Add-on.
f. Hosting Logs
ClearZero is hosted by Netlify. Like most web hosts, Netlify keeps standard technical logs, such as IP addresses and the pages requested, to run and protect the site.
2. How We Use Your Information
| Data | Purpose |
|---|---|
| Financial data (your device only) | Running the planner. It stays on your device. |
| Account information | Signing you in and knowing whether you have Premium |
| Payment information (held by Stripe) | Charging your subscription, sending receipts, and letting you update your card or cancel |
| Waitlist email | Telling you when Premium launches |
| Analytics data | Understanding how the site is used so we can improve it |
| Hosting logs | Running and protecting the site |
The only emails an account receives are sign-in links and Stripe's billing emails, such as receipts. We do not sell, rent, or share your personal information for marketing.
3. Services We Use
ClearZero relies on a few outside services. Each receives only what it needs to do its job, and none of them receives your debt figures.
| Service | What it does | What it receives |
|---|---|---|
| Supabase | Sign-in and the account database | Email address, plan, Stripe customer reference |
| Stripe | Payments, receipts, billing management | Email address and the payment details you give it |
| Resend | Delivers sign-in emails | Email address and the sign-in link |
| Netlify | Hosts the site; collects waitlist sign-ups | Hosting logs; waitlist email addresses |
| Google Analytics | Usage statistics | Anonymous usage data (see 1e) |
These services may process information in the United States.
4. Cookies and Browser Storage
ClearZero itself does not set cookies. It uses your browser's local storage to keep your debts and settings and, if you log in, your sign-in session and a note of your plan, so Premium works even when your connection drops. Logging out removes the sign-in session and the plan note from that browser.
Google Analytics sets its own cookies to measure visits. Stripe's payment pages set their own cookies on Stripe's site for security and fraud prevention. You can manage or block cookies in your browser settings.
5. Data Retention and Deletion
Financial data: Stays in your browser until you clear it. We never have it.
Account information: Kept until you delete your account. You can do that yourself at any time: Account page → Delete my account. Deleting your account erases your email address and plan from ClearZero, deletes your sign-in, and deletes your customer record at Stripe, which cancels any subscription and removes saved cards. Stripe keeps records of past payments as the law and its own policies require.
Waitlist email: Kept until you ask to be removed or the waitlist closes after launch.
Sign-in emails: Resend keeps delivery records for a limited period under its own policy.
Analytics and hosting logs: Kept under Google's and Netlify's standard retention settings.
6. Your Rights and Choices
Depending on where you live, you may have rights over your personal information, including the right to see, correct, or delete it. For account information you can do most of this yourself: your Account page shows everything ClearZero stores about you, and you can delete your account there. For anything else, including your waitlist email, contact us at the address below and we'll respond promptly.
Your financial data is already fully in your control. It never reaches us.
7. Security
ClearZero is built so there is as little to protect as possible. Your debts never leave your device. Sign-in uses one-time email links, so there are no passwords to steal. Card details go directly to Stripe. The account database can be reached only by ClearZero's own server code, never directly from a browser, and every connection uses encryption (HTTPS).
8. Children's Privacy
ClearZero is not directed at children under 13, and we do not knowingly collect personal information from children. You must be 18 or older to buy Premium. If you believe a child has given us personal information, please contact us and we will promptly delete it.
9. Changes to This Policy
We may update this Privacy Policy from time to time and will change the date at the top of this page when we do. If a change affects how we handle account information, we will email account holders before it takes effect.
10. Contact
If you have questions or concerns about this Privacy Policy, you can reach us at:
hello@clearzero.money