Privacy Policy
Last updated June 30, 2026
1. Who We Are
Monthly Clarity is a personal finance application developed by CG Web & Tech LLC ("we," "us," or "our"). The app helps users track subscriptions, recurring bills, and expenses so they can predict future spending and reduce monthly costs. This policy covers both the Monthly Clarity mobile app and our website at monthlyclarity.com.
Questions? Contact us at carlos.garcia@cgwebtech.com
2. What Information We Collect
We collect only what is necessary to operate our services. What we collect differs slightly depending on whether you're using the mobile app or our website.
Information you provide directly
- Email address (collected when you create an account)
- Subscription and expense data you manually enter into the app
- Account credentials (username and password, or sign-in via Google or Apple)
Information collected automatically — mobile app
- Device type and operating system
- IP address
- App usage data, as needed to operate and support the app
The Monthly Clarity mobile app does not use Google Analytics or any third-party analytics/advertising SDK.
Information collected automatically — website
- Pages visited, time on site, referring URL, approximate location, and device/browser type, collected via Google Analytics
Google Analytics uses cookies and similar technologies to collect this information. You can opt out using the Google Analytics Opt-out Browser Add-on, or by adjusting your cookie preferences as described in Section 7. See Google's own privacy practices at policies.google.com/privacy.
Payment information
We do not store payment details directly. All payments are processed by Apple, Google, and RevenueCat. Their privacy policies apply to payment data.
3. How We Use Your Information
- Create and manage your account
- Provide subscription tracking and spending prediction features
- Improve app and website performance and fix bugs
- Understand aggregate website traffic and usage trends (via Google Analytics)
- Respond to your questions and support requests
- Send essential account and service-related emails (such as sign-in, password reset, and account notices)
- Comply with legal obligations
We will never sell your personal information to third parties.
4. Email Communications
We send essential, account-related emails needed to operate the service, such as sign-in confirmations, password resets, and important account notices. We do not currently send marketing or promotional email campaigns. If this changes in the future, we will update this policy and provide a clear way to opt out of any non-essential communications.
6. Data Retention & Account Deletion
We keep your information for as long as your account is active or as needed to provide our services. For data deletion requests that do not involve deleting your full account, we remove the relevant information from our active systems within 30 days. Some information may be retained in secure backups for fraud prevention and legal compliance purposes.
Deleting Your Account
Monthly Clarity users can permanently delete their account and all associated data directly within the app:
- Open the Monthly Clarity app and sign in
- Go to Settings
- Tap Delete Account
- Confirm twice when prompted
Deleting your account immediately and permanently removes all of your bills, payment history, recurring bill schedules, and account change history from our active systems, along with your login credentials. This action cannot be undone. We do not retain a copy of your deleted data beyond what is described above for backups, which are purged on our standard backup rotation schedule.
If you are unable to access the app, you may also request account deletion by emailing carlos.garcia@cgwebtech.com from the email address associated with your account.
8. Data Security
- Encrypted data transmission (HTTPS)
- Secure database storage via Supabase
- Row-level security on all user data
- Access controls and least-privilege principles
No method of transmission over the internet is 100% secure. We cannot guarantee absolute security but we are committed to protecting your data using industry best practices.
9. Children's Privacy
Monthly Clarity is not intended for users under the age of 18. We do not knowingly collect personal information from minors. If you believe we have collected information from a minor please contact us immediately at carlos.garcia@cgwebtech.com and we will delete it promptly.
10. Your Privacy Rights
- Access the personal data we hold about you
- Correct inaccurate information
- Request deletion of your data
- Receive a copy of your data in a portable format
To exercise any of these rights contact us at carlos.garcia@cgwebtech.com. We will respond within 30 days.
11. California Residents
If you are a California resident you have additional rights under the California Consumer Privacy Act (CCPA) including the right to know what personal information we collect, the right to delete it, and the right to opt out of the sale or sharing of your data. We do not sell personal data, and our use of Google Analytics on the website is limited to aggregate usage analytics, not cross-context behavioral advertising. To exercise your rights contact us at carlos.garcia@cgwebtech.com.
12. Do Not Track
Our website does not currently respond to Do Not Track signals from browsers as no uniform standard has been established.
13. Updates to This Policy
We may update this Privacy Policy from time to time. The date at the top of this page reflects the most recent revision. Continued use of our services after any update constitutes acceptance of the revised policy.
14. Contact Us
CG Web & Tech LLC
Monthly Clarity
Email: carlos.garcia@cgwebtech.com
Website: https://monthlyclarity.com/contact
This Privacy Policy covers both the Monthly Clarity website and mobile application.