Privacy Policy
Last updated: February 2026
1. Introduction
EmberFy ("we," "our," or "the Service") respects your privacy and is committed to protecting your personal and financial data. This Privacy Policy explains how we collect, use, store, and protect your information.
2. Information We Collect
Account Information
When you create an account, we collect your email address, name, and authentication credentials.
Financial Data You Provide
To provide our budgeting and FIRE planning features, we collect financial information you voluntarily enter, including:
- Income amounts and sources
- Expense categories and amounts
- Budget allocations
- Net worth figures (assets and liabilities)
- FIRE calculator inputs (savings, expenses, goals)
AI Coach Conversations
If you use the AI Coach feature, we store your conversation history to provide continuity and improve the service.
Usage Data
We automatically collect certain information about how you interact with the Service, including pages visited, features used, and technical information about your device and browser.
3. How We Use Your Information
We use your information to:
- Provide and maintain the Service
- Process your budget tracking and FIRE calculations
- Enable the AI Coach to provide contextual responses
- Process payments for premium subscriptions
- Send important service updates and notifications
- Improve and develop new features
- Ensure security and prevent fraud
4. Data Storage and Security
Your data is stored securely using industry-standard encryption and security practices. We use:
- Encrypted database connections (SSL/TLS)
- Secure authentication with hashed passwords
- Regular security updates and monitoring
While we implement reasonable security measures, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.
5. Data Sharing
We do not sell your personal or financial data to third parties.
We may share your information with:
- Service Providers: Third-party services that help us operate (e.g., hosting, payment processing, AI services). These providers are bound by confidentiality agreements.
- AI Services: When you use the AI Coach, your conversation data is processed by Anthropic's Claude AI. This data is used solely to generate responses and is subject to Anthropic's privacy practices.
- Legal Requirements: If required by law, subpoena, or other legal process.
6. Your Rights and Choices
You have the right to:
- Access your data: View the personal and financial information we have stored about you.
- Export your data: Request a copy of your data in a portable format.
- Delete your data: Request deletion of your account and associated data.
- Correct inaccuracies: Update or correct your personal information.
To exercise these rights, please contact us through the application settings or via email.
7. Data Retention
We retain your data for as long as your account is active or as needed to provide you with the Service. If you delete your account, we will delete your personal and financial data within 30 days, except where we are required to retain it for legal or regulatory purposes.
8. Cookies and Tracking
We use essential cookies to maintain your session and remember your preferences. We do not use third-party advertising cookies or tracking pixels.
9. Children's Privacy
The Service is not intended for users under 18 years of age. We do not knowingly collect personal information from children under 18.
10. International Users
If you are accessing the Service from outside the United States, please be aware that your data may be transferred to, stored, and processed in the United States where our servers are located.
11. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting a notice on the Service. Your continued use of the Service after such modifications constitutes acceptance of the updated Privacy Policy.
12. Contact Us
If you have questions about this Privacy Policy or our data practices, please contact us through the application.