Family Finance Privacy Policy

In short

• Family Finance is a private tool for our household's money and our LLC's bookkeeping. It isn't offered to the public.
• Access is restricted to the owner's individually approved identity. There is no public sign-up.
• We use your information only to keep household and LLC books. We never sell it or use it for advertising.
• You can ask us at any time to stop the bank connection or to delete your data.

Who can use it

The app is available only to the owner of Laurel Circle Holdings LLC. Access is restricted to the owner's individually approved sign-in identity, and there is no public self-service sign-up. If another household member is given access in the future, it will be only after their own identity is individually approved and their access is reviewed, and we'll update this page.

What we collect

• Sign-in details. Your Google account email address and Google account ID, which confirm that it's you.
• Bank and card information, through Plaid. What we receive depends on which Plaid products are used for each connection:
  • account names, types, masked numbers and balances
  • transactions
  • loan and credit-card details, where your institution supports them
  • investment holdings, only if you choose to add investments to a connection
• Statements. We have applied to Plaid for access to account statements, and that approval is still pending. Statements aren't collected today. Once approved, they would be requested only for a specific connection and date range that you choose.
• What you enter yourself. Categories, notes, budgets, property and tax records, and any messages you type into the optional research assistant.

How we use it

We use it to track spending, cash flow, bills, net worth and investments, and to prepare household and LLC bookkeeping and tax records. We don't sell your information, use it for advertising or share it with anyone except the service providers listed below.

Service providers that handle data

• Plaid connects to your financial institutions and sends us the data described above. Plaid's handling of your data is described in the Plaid End User Privacy Policy.
• Google handles sign-in. If email alerts are turned on, it also delivers investment alert digests by email (Gmail by default).
• Tailscale provides the private network connection between the owner's devices and the app.
• Our computer and database providers run the app and store its records for us.
• Optional research assistant. Messages you type into the assistant go to a separate assistant service. Its research features send questions to Anthropic, an AI provider, and search queries to Exa, a search provider. We haven't found anything in it that sends your bank transactions automatically, but whatever you type can reach those providers. Please don't type account numbers or other sensitive details into it.

How long we keep it

Today, the information we hold is kept for bookkeeping. The time limits below are targets we've set for ourselves. No scheduled cleanup or backup rotation has been carried out or verified yet, and we'll update this page when it has.

• Financial records: target of 7 years after the end of the tax year they relate to, so the books can be checked later, then deletion.
• Sign-in details: for as long as the account exists.
• Research assistant conversations and feedback: target of 12 months.
• Application logs: target of 90 days.
• Backups: how backups are kept and replaced hasn't been verified yet, so we can't promise when a backup copy is removed.

Your choices: stopping access and deleting data

There are two separate things you can ask for:

• Stop Plaid access. We remove the connection at Plaid, so no new information arrives. Records already imported are kept as part of the books unless you also ask for them to be deleted.
• Delete your data. We review each deletion request individually and delete the imported records and the other information we hold about you. If a record has to be kept for a legal or tax reason, we'll tell you which one and why. We'll also tell you whether any copy may remain in a backup.

Buttons for these actions in the app aren't available yet. Until they are, email christopherdiesh@gmail.com and we'll review and handle your request individually. We'll reply within 30 days and confirm when it's done. You can also ask for a copy of your information or a correction the same way.

How it's protected

The app is served only on the owner's private network, and it has a single user account. We're adding more safeguards and will update this page as they come into use.

Children

Family Finance isn't offered to children, and children don't have logins. Because it keeps a family's finances, some household records, such as expenses, notes and tax records, may relate to dependent children. That information is handled the same way as the rest of the household's records.

Changes to this policy

If this policy changes, we'll update this page and the date at the top.

Contact

Laurel Circle Holdings LLC, operator of Family Finance
Email: christopherdiesh@gmail.com