Privacy Policy

Last updated: January 2025

Your Horizon ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our financial planning application.

1. Information We Collect

Account Information

When you create an account, we collect:

  • Email address
  • Password (encrypted)
  • Profile settings (birth year, state for tax calculations)

Financial Planning Data

To provide financial projections, we collect data you enter:

  • Account balances and types (checking, savings, investments, retirement)
  • Debt information (mortgage, loans, credit cards)
  • Income sources and amounts
  • Expense categories and amounts
  • Financial assumptions (return rates, inflation, retirement age)

Payment Information

If you subscribe to Premium, payment processing is handled by Stripe. We do not store your credit card details. We receive only subscription status, billing cycle dates, and Stripe customer ID.

2. How We Use Your Information

We use your information to:

  • Calculate and display financial projections
  • Run Monte Carlo simulations for your plans
  • Process payments and manage subscriptions
  • Improve our features and calculations
  • Respond to support requests
  • Prevent fraud and abuse

3. Information Sharing

We do not sell your personal information. We share data only with:

  • Supabase: Database and authentication provider
  • Stripe: Payment processing
  • Vercel: Hosting provider

These providers are contractually obligated to protect your data and use it only for the services they provide to us.

4. What We Don't Do

  • No bank connections: We never connect to your bank accounts or request banking credentials
  • No data selling: Your financial data is never sold to third parties
  • No advertising: We don't show ads or share data with advertisers
  • No tracking: We don't use advertising or behavioral tracking cookies

5. Data Retention

We retain your data as long as your account is active. If you delete your account:

  • Your personal information is deleted within 30 days
  • Financial plans and projections are permanently removed
  • Payment records may be retained as required by law

6. Your Rights

You have the right to:

  • Access: Request a copy of your data
  • Correct: Update inaccurate information
  • Delete: Request deletion of your account and data
  • Export: Download your financial data

To exercise these rights, contact us at privacy@yourhorizon.app

7. Security

We implement industry-standard security measures including:

  • Encryption in transit (HTTPS/TLS)
  • Encrypted password storage
  • Row-level security for database access
  • Regular security audits

8. Cookies

We use essential cookies for:

  • Authentication and session management
  • Remembering your preferences

We do not use advertising or tracking cookies.

9. Children's Privacy

Your Horizon is not intended for children under 13. We do not knowingly collect information from children under 13. If you believe a child has provided us with personal information, please contact us.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or a notice on our website. Your continued use of Your Horizon after changes constitutes acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or our practices, contact us at:

Email: privacy@yourhorizon.app