Financial Clarity AI Privacy Policy

Last updated: July 19, 2026

BrightPath Ventures Group ("BrightPath," "we," "us," or "our") respects your privacy. This Privacy Policy explains how Financial Clarity AI collects, uses, stores, and protects information when you use the app or contact us through the app.

Information You Provide

Financial Clarity AI may allow you to enter financial and contact information, including:

Profile details such as financial goals, risk comfort, planning preferences, and notes.
Money inputs such as income, expenses, savings, debt, retirement contributions, and emergency savings.
Manual account snapshots such as account names, account types, balances, and private notes.
Budget and recurring transaction information that you choose to enter.
Market watchlist symbols that you choose to follow.
Consultation request details such as your name, email address, phone number, preferred contact method, and message.

How We Use Information

We use information you provide to:

Operate app features such as dashboards, budgets, action steps, account snapshots, reports, and learning tools.
Create personalized educational prompts, clarity plans, checklists, and report summaries.
Respond to consultation requests or support messages you submit.
Improve app reliability, user experience, and feature quality.
Maintain records needed for support, security, and legal compliance.

Where Information Is Stored

Some information may be stored locally on your device so the app can remember your profile, budget, account snapshots, reports, learning progress, and settings. If you submit a consultation request or use a feature that sends information outside your device, that information may be transmitted to BrightPath or our service providers so we can process the request.

Third-Party Services

We may use trusted service providers to operate app features, including cloud hosting, secure request submission, email delivery, market data, analytics, crash reporting, or account-linking services if those features are enabled. These providers may process information only as needed to provide their services to us and are expected to protect information consistent with this policy.

Financial Data and Account Access

Financial Clarity AI is designed for education, organization, and planning support. Manual account snapshots should not include passwords or login credentials. If live account-linking features are enabled in the future, those connections may be handled by a third-party account-linking provider, and additional disclosures may apply.

What We Do Not Do

We do not sell your personal information.
We do not use your information for third-party advertising tracking.
We do not ask you to store bank usernames or passwords in manual account notes.

Data Retention

Information stored locally in the app remains on your device until you edit it, delete it, reset app data, or remove the app. Information submitted to BrightPath, such as consultation requests or support messages, may be retained as long as reasonably necessary to respond to you, provide services, maintain business records, resolve disputes, and comply with legal obligations.

Your Choices and Deletion Requests

You may update or remove information you entered in the app where those controls are available. You may also request access, correction, or deletion of personal information you submitted to us by contacting: pedro.ignacio@brightpathventuresgroup.com.

Security

We use reasonable administrative, technical, and organizational safeguards designed to protect information. No method of electronic storage or transmission is completely secure, so we cannot guarantee absolute security.

Children's Privacy

Financial Clarity AI is not intended for children under 13. We do not knowingly collect personal information from children under 13.

Educational Use Only

Financial Clarity AI provides educational and organizational tools. It does not provide legal, tax, investment, insurance, accounting, or financial advisory advice. You should consult qualified professionals before making financial decisions.

Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date above. Continued use of the app after an update means you accept the revised policy.

Contact Us

BrightPath Ventures Group
Website: https://www.brightpathventuresgroup.com
Email: pedro.ignacio@brightpathventuresgroup.com

Current Financial Clarity version and optional sharing

Updated October 13, 2026. Financial Clarity stores financial profiles, budgets, manual account and market snapshots, planning reports and learning progress locally on your device. Its current version has no BrightPath account, bank connection, advertising SDK or analytics SDK. Contact actions open Phone, Messages or Mail under your control; no consultation request is submitted in the background. Requested market and educational links open external websites whose own privacy practices apply. Opening separate BrightPath apps does not automatically share financial values or credentials.

CommissionCheck and Client Renewal Review: app-specific privacy

Updated October 13, 2026. This section describes CommissionCheck and Client Renewal Review separately from Financial Clarity.

Local app records

CommissionCheck stores commission expectations, carrier and product names, case references, deposits, chargebacks, splits, advances and notes locally on your device. Client Renewal Review stores client and household names, policy references, review dates, checklists, contact attempts, client-stated changes, outcomes and notes locally on your device. Neither app requires a BrightPath account or sends these records to BrightPath in the background. Neither includes an advertising or analytics SDK, a bank connection or a carrier connection.

System features and purchases

Apple processes purchases and subscriptions through StoreKit. BrightPath does not receive your payment-card or Apple Account credentials. Optional device authentication returns an authentication result, not biometric data. Reminders are local notifications. CommissionCheck statement recognition and supported Foundation Models features run on device; generated rows require review before saving. Its widget uses an Apple App Group for limited aggregate snapshots, with amounts shown only when enabled.

Exports and optional Home handoffs

Exports are created when you request them and leave the app only through the destination you choose. Reviewed Home follow-up files require your approval. You select a contact and review and save the imported task separately in Home. CRM synchronization remains a separate action; exporting a task does not grant permission to contact a client. Data you choose to save in Home is governed by Home’s privacy policy. Protect exported files and choose recipients carefully.

Retention and user control

Local records remain until you delete them using available in-app controls or remove the app, subject to device backups and restoration that you control through Apple. Apple manages purchase and subscription history. Deleting local app data does not cancel an Apple subscription. These business tools are not directed to children.

Support and policy changes

If you choose to send a support message, BrightPath receives the information you include through the communication channel you select. Do not send bank or carrier credentials or unnecessary sensitive documents. Contact pedro.ignacio@brightpathventuresgroup.com. We will update this section when these apps’ practices change.

BrightPath agent workflow apps: app-specific privacy

Updated October 13, 2026.

Local records

BrightPath Agent Hub stores contacts, prospect stages, tasks, appointments, promises, referral sources and workflow notes locally on your device. BrightPath CaseFlow stores administrative case stages, requirements, follow-ups and client update notes locally. ClaimsCare stores claim contacts, factual status timelines, requested-item metadata, reminders and resolution notes locally; it does not store claim documents or make coverage decisions. Advisor Workspace stores client and household records, appointments, workflow notes, reviewed recaps and follow-ups in its local container. These public editions do not require a BrightPath account or send their records to a BrightPath server in the background, and contain no advertising, analytics or tracking SDK.

System features and on-device processing

Apple processes purchases through StoreKit. BrightPath does not receive your Apple Account or payment-card credentials. Optional device authentication provides an authentication result, not biometric information. Reminders are local notifications. Supported Apple Intelligence features use on-device frameworks; outputs are drafts and require human review. Advisor Workspace can read a PDF you select and, with participant consent, record meeting audio locally and request on-device speech transcription. Its paired Watch receives a minimized workflow snapshot and sends actions using Apple’s device connectivity.

Sharing and Home connections

Opening another BrightPath app does not automatically share records or grant contact permission. User-requested exports leave through the destination you choose. Reviewed Home handoff files require a separate contact selection, import review and save in Home. CRM synchronization and client contact remain separate actions. External conferencing/provider links, Mail and Messages are governed by the selected service’s own policies when you use them.

Retention, deletion and support

Local records remain until you delete them using available app controls or remove the app, subject to backups and restoration you control through Apple. Removing app data does not cancel an Apple subscription. Protect your device and exported files. These professional tools are not directed to children. If you choose to send a support message, BrightPath receives the information you include through that channel. Do not include unnecessary sensitive documents or credentials. Contact pedro.ignacio@brightpathventuresgroup.com. This section will be updated when practices change.

BrightPath Receptionist — live caller service

BrightPath Receptionist includes a local demonstration and an optional configured live telephone service. The demonstration uses fictional records. Live calls are processed through Twilio and OpenAI to provide the disclosed AI receptionist, collect callback information and route requests for human review. Live operation requires a configured business telephone service; the app does not itself supply a telephone number.

The live service may process a caller's name, telephone number, voluntarily provided email, state or province, reason for calling, callback preferences and contact permission. Audio is streamed to the service providers for conversation processing. BrightPath's report store does not retain raw call audio. A written transcript is retained only after the caller grants summary consent. If the caller declines, verbatim transcript text is not retained; only voluntarily supplied structured callback information and the routing report remain.

Completed server call reports and consented transcripts have a one-year retention period, implemented as 365 days from the end of the call. Reports become unavailable through the private report interface and Home gateway at expiry. Startup and daily cleanup remove the encrypted report and its associated Home sharing approval; physical deletion may occur up to 24 hours after expiry. Unfinished calls or records with invalid end dates require operator review.

Copies downloaded to an authorized operator's device, separately exported files and records already imported into BrightPath Home follow their own deletion procedures. The server expiry does not remotely erase these independent copies. Provider-managed records, operational logs and backups follow each provider's applicable terms, policies and account settings; this policy does not promise that provider copies disappear at the BrightPath report expiry.

Report access requires a private credential stored in the device Keychain. Home handoff sends only an opaque call identifier; an authorized agency user must review and approve the minimum fields before import. Transcripts are excluded from this Home handoff. Callback permission is not marketing consent. Receptionist report information is used to operate the service, route requests and support human follow-up, not cross-company advertising tracking.

For access or an earlier deletion request, contact pedro.ignacio@brightpathventuresgroup.com or use the BrightPath website contact page. Include the approximate call date and the business contacted; do not email passwords, account documents or sensitive claim details. We verify the requester's authority before deleting a matching record. Deletion of separately imported, exported or provider-held copies must be handled through their respective systems.

BrightPath Receptionist — owner-approved email and text

Updated October 18, 2026.

Receptionist can prepare requested email and text follow-ups. The owner reviews the exact recipient and full content and approves each live send using a protected device signing key. The server receives the public key and approval signature, not the private key, device passcode or Face ID data. Agency membership and paid features do not grant sending authority. No bulk marketing or automatic sends are enabled. These optional channels may remain disabled during setup.

Approved email is processed through the linked Google owner mailbox using Gmail send-only permission and verified account identity. Receptionist does not request permission to read or delete inbox messages. Connection tokens are encrypted in the existing hosted service; they are not shared with AI models, Home, other agency users or App Store reviewers. Google API information is used only for this user-facing mailbox connection and owner-approved sending, in accordance with the Google API Services User Data Policy, including Limited Use requirements. Google access can be revoked through the owner’s Google Account connections. Revocation does not recall sent mail or remove recipient copies.

Approved texts are processed through Twilio and carriers when separately configured. Message drafts, channel-permission evidence and dispatch records are encrypted and retained for 365 days. Minimal channel-specific opt-out hashes remain to prevent further contact after message deletion. Declining or withdrawing permission blocks further messages through that channel. General contact or marketing consent is not a substitute for a requested follow-up.

Provider acceptance does not prove delivery. Sent mail, recipient copies, provider logs and backups follow their respective retention controls. For access, correction, connection removal or an earlier deletion request, contact pedro.ignacio@brightpathventuresgroup.com or the BrightPath website contact page. We verify authority before acting; do not send credentials or unnecessary sensitive documents.