Legal

Privacy Policy

Last updated: March 2026

🔒 The short version: We collect what's needed to run the app. We don't sell your data, show you ads, or share your information beyond the services required to operate LightWork Finance. AI features send a snapshot of relevant spending data to our AI provider to generate a response — nothing is retained after the request completes.

1. Who we are

LightWork Finance is an independent personal finance web app operated by a solo developer. We are not a bank, financial institution, or registered financial advisor.

2. What we collect and why

We collect only what's needed to make the app work:

Your Google account name and email — used for sign-in via Google OAuth. We never see your Google password.
Financial data you enter — transactions, budgets, categories, notes, and net worth entries. This is stored in Google Cloud and used solely to power your experience in the app. We do not analyze, profile, or monetize this data.
Subscription status — whether you're on the free or Pro plan, used to determine which features you can access. Payment is handled by Stripe — we never see your card details.
Usage counters — daily counts of AI feature usage, stored server-side to enforce fair use limits. These contain no financial information.

3. How we use your data

To run the app, sync your data across devices, and keep your account secure
To process and manage your Pro subscription through Stripe
To power AI features — when you use AI Import, Roast Me, or Monthly Review, a summary of your relevant spending data is sent to our AI provider for processing. It is not retained after your request completes.
To enforce fair use limits on AI features

4. AI features

When you use AI Import, Roast Me, or AI Monthly Review, spending data (amounts, categories, merchant names) is sent to Anthropic's API to generate a response. This happens over an encrypted connection. We do not include your name or email in these requests.

Anthropic does not use API data for model training, and API request logs are automatically deleted within 7 days. Use of AI features is subject to Anthropic's Privacy Policy in addition to ours. You are never required to use AI features.

5. What we don't do

We do not sell your data — to anyone, for any reason
We do not show you ads or share data with advertisers
We do not link to or access your bank accounts
We do not share your financial data beyond what's required to operate the service

6. Infrastructure and data storage

To operate LightWork Finance, we use the following trusted infrastructure providers. Each handles your data only as needed to perform their function:

Google Firebase / Google Cloud — authentication and data storage. Your financial data is stored in Google Cloud and encrypted at rest and in transit by Google.
Stripe — payment processing and subscription management
Anthropic — AI features (Import, Roast Me, Monthly Review)
Netlify — hosting and server-side functions

Operating the app requires server-side functions that have access to our database infrastructure. This access is used strictly to run core features — payment verification, AI processing, rate limiting, and account management. We do not use this access to read, analyze, or export your financial data for any other purpose.

7. Security

Your data is stored in Google Cloud, which provides encryption at rest and in transit. Direct client access to your data is protected by Firebase security rules — no other user can read your data. We take reasonable precautions to secure our server infrastructure, though no system is completely immune from risk.

If a security incident ever affects your data, we will notify you as required by applicable law.

8. Your rights

Access — all your data is visible to you in the app at any time
Export — download your transaction data as CSV from the app at any time
Delete — delete your account and all associated data from settings. This is permanent and cannot be undone.

9. Cookies and local storage

We use session cookies for Google authentication — these are essential and cannot be disabled. We store your financial data locally in your browser for performance. We do not use advertising or tracking cookies, and we do not display ads.

10. Children

LightWork Finance is not directed at children under 13. We do not knowingly collect data from anyone under 13.

11. Changes to this policy

We may update this policy from time to time. We'll update the date at the top when we do. Continued use of the app after changes means you accept the updated policy.

12. Contact

Questions about your data or privacy? Reach us through the in-app settings.