Privacy Policy

Effective date: September 2, 2026

This policy describes how Chearn ("Chearn", "we", "us") collects, uses, stores, and protects information when you use the Chearn iOS application and the service at chearn.app (together, the "Service"). Chearn is a household credit-card tracking tool. It is operated by the household that hosts it and is not offered to the general public.

Information we collect

• Account information. A username, a display name, and a password (stored only as a salted hash). Household membership and invitations.
• Financial account data you authorize. When you link a bank through Stripe Financial Connections, we receive the accounts you select and, for credit card accounts, the institution name, account name, last four digits of the account number, current balance, and transaction history (date, amount, description, and status). We never receive or store full account numbers, routing numbers, or your bank login credentials; those are handled entirely by Stripe and your financial institution.
• Information you enter. Sign-up bonus goals, annual fee dates, payment due days, keep/downgrade/cancel decisions, rewards balances, nicknames, and notes.
• Technical information. Standard server logs (IP address, request path, timestamps) kept briefly for security and troubleshooting. We do not use analytics or advertising trackers.

How we use information

We use information solely to provide the Service to your household: to display your cards, balances, and transactions; to compute progress toward bonus goals; to infer payment due days and annual fee dates from your transaction history; to deliver reminders on your device; and to keep the members of your household in sync. We do not use your information for advertising, profiling, or any purpose unrelated to the Service.

Sharing and selling

We do not sell, rent, or trade your personal or financial information, and we do not share it with third parties for their own purposes. Information is shared only:

• with the other members of your own household, who see the same household data by design;
• with Stripe, Inc., which acts as our data-access provider for bank connections. Stripe's handling of your data is governed by Stripe's own privacy policy and by the consent you give when linking an account; and
• if required by law or to protect the security of the Service.

Where data is stored

All Service data is stored and processed in the United States, on infrastructure controlled by the household operating the Service. Data is encrypted in transit (TLS) and protected at rest by database access controls that isolate each household's data.

Retention and deletion

Data is retained for as long as your household uses the Service. You can disconnect a linked bank at any time from the app, which revokes our access through Stripe and stops further imports; you can also revoke access from your Stripe-linked account settings or your bank. To delete your account or your household's data entirely, contact us at the address below and we will remove it promptly.

Security

We use industry-standard measures including encrypted connections, hashed passwords, per-household data isolation, and optional biometric app lock on your device. No method of storage or transmission is completely secure, and we cannot guarantee absolute security.

Children

The Service is not directed to children under 13 and we do not knowingly collect information from them.

Changes

We may update this policy from time to time. Changes will be posted at chearn.app/privacy with a new effective date.

Contact

Questions or deletion requests: [email protected]