1. Scope and important definitions
This policy applies to ClearMarket’s marketing website, account surfaces, market-research tools, portfolios, Personal Finance workspace, support channels, and related services.
“User Data” means personal, financial, portfolio, transaction, statement-derived, support, and other information that you enter, upload, connect, or generate in your account. It does not include ClearMarket’s software, branding, product design, or market data obtained independently from public or licensed sources.
2. Information we process
Account and security data
Name, email address, password hash, optional phone number, profile details, role, notification preferences, authentication settings, login activity, trusted-device records, sessions, and security events.
Research and portfolio data
Watchlists, saved screens and lists, price alerts, holdings, transactions, portfolio records, goals, preferences, notifications, and related account activity.
Personal Finance data
Information you enter or import about accounts, masked account identifiers, balances, credit cards, masked card identifiers, limits, bills, transactions, categories, merchants, EMIs, insurance, goals, income, expenses, and other financial records.
Support, contact, and technical data
Contact or support messages and the details needed to respond; page and feature usage; browser, device, referrer, session, security, cookie, and similar technical information. Where configured, an analytics provider may process analytics data under its own terms.
3. Personal Finance imports and email connections
Statement uploads
When you upload a supported statement, ClearMarket processes the file to extract transaction information. The feature is designed not to retain the original uploaded statement after processing. Parsed results may be shown for review and may be stored as account-scoped records when you choose to import or save them.
Gmail connections
If you choose to connect Gmail, ClearMarket records your consent, connected email address, requested scope, connection status, and sync metadata. The requested Gmail permission is read-only. The Personal Finance feature contract is designed to retain derived financial records rather than raw email bodies. Gmail parsing may remain unavailable until the required Google authorization and server capability are enabled.
Device-local records
Some imported, reviewed, or display-preference information may be held in your browser’s local storage. Clearing browser data, changing devices, or using private browsing may remove device-local records.
4. Ownership and limited permission to process
You retain ownership of, and responsibility for, your User Data. ClearMarket does not acquire ownership merely because you store or process User Data through the service.
You give ClearMarket a limited, non-exclusive permission to host, process, organise, display, transmit, back up, and delete User Data only as reasonably necessary to provide the features you request, maintain security, respond to support, comply with law, and enforce the Terms. This permission ends when the relevant data is deleted, subject to lawful retention, backups, and technical deletion cycles.
5. How and why we use data
- Provide account, research, portfolio, Personal Finance, backup, notification, and support features.
- Authenticate users, prevent abuse, investigate security events, and protect the service.
- Parse user-requested statements or connected data and generate derived records, summaries, categories, and insights.
- Operate, troubleshoot, measure, and improve product reliability and usability.
- Communicate about accounts, security, support, product changes, and privacy requests.
- Meet applicable legal requirements and respond to valid legal process.
6. Your responsibility for User Data
You decide what User Data to provide and are responsible for its accuracy, completeness, legality, and relevance. You must have the right to provide any data concerning another person and should not upload unnecessary secrets, full payment credentials, OTPs, passwords, or unrelated sensitive material.
Your responsibility does not remove ClearMarket’s obligations to use reasonable safeguards, honour applicable privacy rights, or process data consistently with this policy and applicable law.
7. Sharing and service providers
We do not sell or rent User Data. We may disclose the minimum information reasonably needed to hosting, email, authentication, analytics, storage, security, and infrastructure providers that support the service; to a provider you expressly choose to connect; or when required by valid law, court order, safety needs, or abuse investigation.
Third-party services process data under their own terms and privacy policies. Connecting a third-party service does not give ClearMarket ownership of data held by that service.
8. Retention, deletion, disconnection, and backup
We retain User Data while your account or the relevant feature requires it, and for limited periods needed for security, legal, audit, fraud-prevention, backup, or operational purposes. Retention can vary by record type.
Available controls let you disconnect an email connection, move records to Trash, permanently delete eligible records, or create an account backup. Before an email connection is disconnected, ClearMarket shows a deletion summary and asks for explicit confirmation. Confirming permanently deletes the private files and derived finance records imported from that connection, while preserving unrelated manually entered data.
9. Security
ClearMarket uses measures such as password hashing, HTTPS, CSRF protection, rate limiting, role-based access, account-scoped queries, two-factor authentication support, login alerts, and session controls. No system is risk-free, so you should use a unique password, protect your devices, enable available security controls, and report suspected misuse promptly.
10. Cookies, browser storage, and analytics
Essential first-party cookies support sessions and request security. Browser storage may hold theme, layout, dashboard, Personal Finance review data, and cookie-notice preferences. We may use first-party analytics and, where enabled, third-party analytics to understand product usage. Analytics settings do not change our commitment not to sell User Data.
11. Your choices and privacy rights
Subject to applicable law and identity verification, you may ask to access, correct, update, erase, or obtain information about processing of your personal data; withdraw consent where processing depends on consent; disconnect a connected source; and raise a grievance. Withdrawing consent does not affect earlier lawful processing and may prevent the related feature from working.
Use the Contact page and choose “Privacy request.” We may retain limited information where required by law or reasonably necessary for security, fraud prevention, dispute handling, or compliance.
12. Children, changes, and contact
ClearMarket is not intended for children. Do not create an account or provide Personal Finance data if you cannot lawfully consent to its processing. We may update this policy as the product or law changes and will update the date above; material changes may also be communicated through the product or email.
For questions, rights requests, or grievances, contact ClearMarket through the Contact page.