Privacy Policy

1. Introduction

This Privacy Policy explains how NextPhase LLC (referred to as “we,” “us,” or “our”) handles information when you (the “user” or “your”) use the mobile application Clara Money (the “App”). By installing or using the App, you acknowledge and accept the practices described in this Privacy Policy. This policy applies exclusively to the Clara Money mobile application and any related web features operated by NextPhase LLC.

2. Developer Information

Developer: NextPhase LLC
Contact: [email protected]

3. Information We Collect

Clara Money does not collect, store, or process any personally identifiable information or financial data on external servers controlled by NextPhase LLC.

All data you enter into the App—including income, expenses, account balances, categories, and goals—is stored locally on your device and remains under your exclusive control.

If you enable iCloud synchronization, your data may be securely backed up and synchronized across devices through Apple’s iCloud infrastructure. NextPhase LLC does not have access to this data. The use of iCloud is governed by Apple’s Privacy Policy.

4. How We Use Your Information

Since Clara Money does not collect or transmit user data to our servers, we do not use your personal information for analytics, marketing, or any other purpose.

All calculations, insights, and reports generated by the App occur locally on your device.

5. Email Communications, Feedback & Wait-list

If you choose to join our wait-list or subscribe to our newsletter, we collect your email address solely to communicate updates about Clara Money, request feedback, and send occasional newsletters.

We will not sell your email address. Currently, we do not use a third-party email service provider to manage these communications, but we may in the future. If we do, we will update this Privacy Policy accordingly.

You may unsubscribe at any time by clicking the “unsubscribe” link in any email we send or by emailing us at [email protected]. After you unsubscribe, we will remove your email address (or anonymize it) unless retention for legal or legitimate business purposes is required.

We keep your email address only as long as the subscription is active or until you request deletion. For more information about your rights (access, correction, deletion) please see the “Your Rights” section of this policy.

6. Data Sharing and Disclosure

We do not sell, trade, or otherwise disclose any user data to third parties. Clara Money does not include advertising networks, analytics SDKs, or third-party tracking mechanisms.

The only data exchange that may occur is between your device and Apple’s secure systems when you:

• Sync data using iCloud.
• Complete an in-app purchase through the App Store.

In both cases, Apple’s respective terms and privacy policies apply.

7. In-App Purchases

Payments and subscriptions within Clara Money are processed by Apple via the App Store platform. NextPhase LLC does not collect or store any payment information, credit card details, or billing records.

8. Security

We take reasonable technical and organizational measures to protect user data stored on your device. These include optional biometric authentication (Face ID) or passcode protection within the App, and encrypted communication for iCloud synchronization.

However, no security system is impenetrable, and we cannot guarantee absolute security of data transmission or storage.

9. Children’s Privacy

Clara Money is not intended for children under the age of sixteen (16). We do not knowingly collect, maintain, or process personal data from minors. If we become aware that a minor has provided personal information, we will take reasonable steps to delete such information promptly.

10. Changes to This Privacy Policy

We may revise or update this Privacy Policy from time to time. Material changes will be communicated within the App or through our official website. Your continued use of Clara Money after any modifications constitutes acceptance of the revised policy.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, you may contact us at:

NextPhase LLC
Email: [email protected]