1. Who we are
Clear Balance is a product of CLEARBALANCE TECHNOLOGIES LIMITED, a private limited company registered in England and Wales.
Company number: 17117064.
2. Information you provide
When you use Clear Balance, you may enter information such as:
- an optional first name for your in-app greeting
- debt names or creditor names
- balances
- minimum payments
- APR or promotional rate details
- payment and debt history
- budget information
- questions you choose to ask the Clear Balance Assistant and proposed in-app changes you choose to review
This information is entered by you in order to use the app’s features. Clear Balance does not require an account and does not upload this financial information to a Clear Balance server as part of normal app use.
3. How your information is stored
Clear Balance stores the debt, budget and other sensitive app information you enter locally on your device. Sensitive Clear Balance data is encrypted at rest in the app’s local encrypted vault. It is not uploaded to a Clear Balance account or Clear Balance server as part of normal app use.
Clear Balance does not provide its own cloud sync or cloud backup service. On Android, automatic app backup and device-transfer backup for Clear Balance data are disabled. On Apple devices, any device-level backup behaviour is provided and controlled by Apple rather than Clear Balance and is subject to Apple’s platform behaviour and your device settings.
If you choose to create a portable Clear Balance backup, the app creates a password-protected, encrypted backup file. Clear Balance does not upload that backup for you. After you export it, you choose where to save or share it, and the service or location you choose may have its own privacy and security terms.
We do not require you to create a Clear Balance account to use the app.
Clear Balance Assistant uses built-in, deterministic on-device processing to respond to supported questions about your saved plan and to explain app features and general debt concepts. Questions and plan data are not sent to a third-party generative AI or chatbot service. Where the Assistant helps prepare a debt edit or record a payment, any saved change remains in the local encrypted app data. It cannot make payments to creditors.
Notifications are optional. Clear Balance schedules supported reminders locally on your device and is designed to keep notification content non-sensitive. You can allow or disable notification permission through your device settings.
4. Subscriptions and purchases
If you choose to purchase a premium subscription, payments are processed by the platform you use to subscribe, such as the Apple App Store or Google Play.
We use Adapty to load subscription products, help process and restore purchases, and determine whether Premium access is active. Adapty may process limited technical identifiers and purchase or subscription information needed for those functions, including where a returning subscriber is eligible for a store-backed offer. Clear Balance does not send Adapty the debts, balances, budget data, optional first name, or email address you enter in the app.
In the Clear Balance Adapty integration, collection of advertising identifiers and IP-address collection are disabled. We do not use Adapty to monitor screens, taps, feature use, sessions, or other in-app financial behaviour.
On iOS, Clear Balance may use Apple Search Ads campaign attribution to understand whether an installation resulted from an Apple Search Ads campaign. This is used for campaign attribution, not to monitor your debt or budgeting behaviour.
We do not receive or store your full payment card details. Payments are handled by the app store or platform used for purchase.
5. How we use information
Information you enter into Clear Balance is used locally by the app to:
- display your debt and budget information
- calculate payoff projections
- show debt progress and planning insights
- answer supported Clear Balance Assistant questions, explain calculations and prepare changes you explicitly confirm in the app
- create an encrypted backup when you ask the app to do so
Limited technical and purchase information is used separately to manage Premium subscription access. If you contact support, we use the information you choose to send us to respond to your request.
6. Data sharing
We do not sell your personal information.
Clear Balance does not use behavioural analytics to monitor how you manage your debts or budget. We do not track screens viewed, buttons tapped, feature usage, sessions, retention, or other in-app behaviour for product analytics. We also do not use advertising identifiers for cross-app advertising tracking.
We rely on limited third-party services where necessary for app distribution, payments, subscription products, purchase restoration, Premium entitlement, and permitted campaign attribution. Those services may process limited technical or purchase information for those specific functions, but Clear Balance does not send them the debt and budget data you enter in the app for behavioural analysis.
7. Data retention
Because Clear Balance stores debt and budget information locally, that information generally remains on your device until you delete it, reset Clear Balance, remove the app, or otherwise clear its local storage. Clear Balance does not keep a server copy of your debt or budget data.
Encrypted backup files you create remain wherever you choose to save them until you delete them from that location. Any Apple device backup containing app data is managed separately by Apple. Android automatic app backup/device-transfer backup is disabled for Clear Balance.
Subscription-related information may be retained by Apple, Google, and Adapty in accordance with their own policies and legal obligations.
8. Security
Sensitive Clear Balance data stored by the app is encrypted at rest. Portable backup files are password-protected and encrypted. Clear Balance can also use the authentication method provided by your device, such as Face ID, fingerprint authentication, or device passcode, to restrict access to the app. Biometric templates and credentials are handled by your operating system; Clear Balance does not receive or store your fingerprint or face template.
We take reasonable steps to protect information used by the app. However, no method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security.
9. Children’s privacy
Clear Balance is not directed to children under 13, and we do not knowingly collect personal information from children.
If you believe a child has provided personal information, please contact us and we will review the matter.
10. Your choices
You may:
- edit or delete debt and budget information within the app
- create a password-protected, encrypted backup file for backup and restore
- remove locally stored app data by using the app’s reset options, uninstalling the app, or clearing app storage where supported
- choose whether to enable optional notifications in your device settings
- manage or cancel subscriptions through the app store account used for purchase, such as Apple App Store or Google Play
- request deletion of subscription-related profile data by opening Settings > Subscription support in the app and sending the pre-filled email; the message includes your Adapty profile ID so we can identify the correct subscription profile, and the associated profile data will be removed within 5 working days
Deleting subscription-related profile data does not cancel an active App Store or Google Play subscription. Subscriptions must be cancelled separately through the store used to purchase them. If you continue using Premium or restore a purchase afterwards, a new pseudonymous subscription profile may be created so your entitlement can be checked.
11. Third-party services
Clear Balance relies on limited third-party services including Apple, Google Play, and Adapty for app distribution, payments, subscription products, purchase restoration, Premium entitlement, and permitted attribution. These services process information under their own privacy policies and terms.
Clear Balance does not use third-party behavioural analytics SDKs, advertising SDKs, or a Clear Balance backend to collect the debt and budget information you enter.
12. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will update the “Last updated” date above.
13. Contact
If you have any questions or requests relating to this Privacy Policy, please contact: