What ClarityApp collects when you request access to or use the software, why, and who it's shared with.
This is the Privacy Policy for ClarityApp — what we collect when you sign in to or use the software, why, and who it's shared with. It's written by Margini Labs, LLC, a Maryland limited liability company doing business as Margini Financial (“Margini Labs,” “we,” “us”), the owner and operator of ClarityApp.
Margini Labs also operates marginifinancial.com for general information and marketing purposes. This Privacy Policy applies to ClarityApp and does not govern information collected through other Margini Labs websites, products, or services unless expressly stated otherwise. This policy covers ClarityApp itself, including the free, self-serve /beta page that links to it, since that's the on-ramp into becoming a Clarity user.
If something here doesn't match what you actually experience, email hello@marginifinancial.com and we'll fix the page or the product, whichever is wrong.
The /beta page itself is informational only — it doesn't include a form and doesn't collect your name, email, or anything else. It links directly to ClarityApp's real sign-in page, described in the next section. We log, via Google Analytics, that the link to ClarityApp was clicked from that page — not any personal information, and not your broader browsing activity on marginifinancial.com, which is outside this policy's scope.
Your email address, used to send you a one-time sign-in link (no password) via Supabase Auth, with the email itself delivered by Resend. We also store basic account metadata: when your account was created, when you last signed in, and your business name and type (whatever you enter when you set up ClarityApp).
On the Free plan, this is not collected by us. It's saved only in your browser's local storage, on your device. We never see it, store it, or have a copy, unless you choose to share one with us directly (for example, sending a Backup file through the Feedback tool because you're asking for help).
If your business has multi-user cloud sync — currently included with Pro and Business plans, and extended to some early-access Free accounts — the financial data you enter (sales, expenses, receivables, people, recurring costs, and payroll) is stored in our cloud database, hosted by Supabase, so the people you've authorized on that business can access the same information from their own devices. That data is protected by business-level access controls enforced at the database level: only accounts you've actively added as members of your business can read or write it. Margini Labs staff don't browse it as a matter of course; we access it only if you ask us to for support, or as described in Section 3 for the service providers who process it on our behalf.
The setup of your business is stored and shared the same way. On those plans, we also store your fixed costs and their history, your budget and tax settings, which modules you have turned on, your client list (names and email addresses, plus any notes, phone numbers, or addresses you chose to save for a client), your products, prices, and stock levels, your rooms and tenancies, your business units, and the manual adjustments you make on the Cash Flow screen. The people you have added to the business can see this setup, and people with the right role can change it. Your business's name and type are stored with the business, as described above, and are not part of this setup data.
Your What-if scenarios and break-even planning figures are different: they are stored for you alone, tied to your own account, and other members of your business cannot read them. They follow you across your own devices. We do not copy the contents of a client list, or of your other lists, into our activity logs; for lists, the log records only that something changed and counts (for example, how many clients a list holds). For an individual setting, such as a fixed-cost figure, the log records which setting changed and its old and new value, so that your business can see who changed what.
Separately, ClarityApp includes an optional cloud backup feature, available on every plan regardless of whether cloud sync is included. If you turn it on, your data is encrypted in your browser, with a passphrase only you know, before it ever leaves your device. What reaches our server is unreadable without that passphrase — we do not have it, cannot recover it for you if it's lost, and cannot read your backup's contents. This is a recovery safety net and is distinct from cloud sync above: sync keeps your authorized team's data current across devices, while backup protects you if data is ever accidentally deleted or corrupted. Turning backup on is always your choice; it's off by default.
In Settings you can choose to tell ClarityApp where your business operates (country, state, and optionally a city or county), what type of business entity it is (for example a sole proprietor or an LLC), and whether you sell goods or services that may be subject to sales tax. You can also enter a sales threshold that you want to watch, and, if you turn on sales tax tracking, the sales tax rates you use and the payments you record to a tax office. All of this is optional. You can leave it blank or change it at any time.
These answers are stored with your business settings. On the Free plan they stay in your browser. On plans that include cloud sync they are stored in our cloud database along with the rest of your business setup, as described above. ClarityApp uses them to show you information, such as how far along this year’s sales are against the threshold you entered. They do not change any figure, and ClarityApp does not use them to decide whether you must collect or register for sales tax, or what rate applies. That is for you and your tax professional.
Margini Labs may also look at these answers in aggregate, as counts only (for example, how many businesses operate in each state or are each type of entity), to understand who uses ClarityApp and to plan the product. These counts do not name a business and do not include any of its financial figures. Only people at Margini Labs who administer the service can see them.
An accounting, bookkeeping, or advisory firm can use ClarityApp to work with its clients' businesses. For a firm account we store the firm's name and contact email, the email addresses and roles of the people on its team, and which client businesses each person has been given access to. When a firm invites a client, the firm enters the client's email address and a business name. We use that information to create an invitation, to send the client an invitation email, and to create a ClarityApp sign-in for that email address so the client can open the invitation. We do not create the client's business, and we do not give the firm access to anything, unless the client accepts. If the client accepts, we create the client's business under the client's own account and establish the advisor relationship described in this section. If the client already uses ClarityApp, the client can instead give the firm access to an existing business by entering the firm's code.
For every firm and client relationship we keep a record of when it was requested, accepted, changed, and ended, and who did it. For the client, these records appear in the business's activity history. We also retain the current access relationship, including the firm, client business, assigned firm users, and access level, so we can enforce who is allowed to access the business.
A firm may add a logo, a brand color, and a welcome message to its account. We store them and show them to the firm's clients next to ClarityApp by Margini, and on invitations the firm sends. If a firm pays for a client's ClarityApp access, the firm's billing details are handled by Stripe under the firm's own account; the client does not see them, and the firm does not receive the client's payment details.
A firm sees a client's business information only after the client has accepted the invitation or entered the firm's code, and only at the access level the client chose. Access is limited to the firm people the firm has assigned to that client, and it ends when either the client or the firm ends the relationship. Ending it does not delete the client's business or data. A client business's users can see only their own business and do not receive access to the advisor firm's client list, other client businesses, or information about other clients.
Once a client has authorized a firm, the firm's people can read and, depending on the access level, change that business's information. The firm is responsible for its own use of that information and for meeting any professional, confidentiality, privacy, or other obligations that apply to its relationship with the client. Margini Labs does not act as the client's accountant or advisor merely because the client uses ClarityApp with an advisor firm.
ClarityApp can create invoices from entries in Who Owes Me. To do that, you may enter information about your customers or other people you do business with: names, email addresses, mailing addresses, phone numbers, invoice descriptions, amounts, payment terms, payment status, and payment links.
What is stored where depends on your plan. On plans that include cloud sync, the invoices and drafts you save are stored in our cloud database when you save them (this includes drafts that a recurring schedule prepares for you), so that your other devices and the people you have authorized on the business can see them, according to the permissions you gave each person. What is stored is the invoice number, dates and payment terms, line items and amounts, the customer's name, email address, mailing address and phone number as you entered them, your payment link, payment instructions and notes, the invoice's status, any reminder settings, and, if you void an invoice, when you voided it and the reason you gave. Your invoice settings (such as your invoice number prefix and default terms, and the business name, address, phone, email, website and logo you choose to show on invoices) are stored with your business settings in the same way. On plans without cloud sync, including the Free plan, your invoices, drafts and invoice settings stay on your device. They are not stored in our cloud database, and the only copies we could receive are a backup you choose to make (an Excel file stays with you; an encrypted cloud backup, if you turn it on, includes your invoice list). Creating an invoice and saving it as a PDF happens in your browser on every plan. Emailing an invoice, sending payment reminders, and the private page your customer opens are additional cloud features of the plans that include cloud sync. When you use them, we send the message through our email provider, Resend (see Section 3). We also keep a record of each send attempt and whether the provider accepted it or it failed, and the reminder settings you chose.
Voiding invoices. An invoice cannot be deleted in the app. You can void it, for example if it was issued by mistake. A voided invoice remains in your records, keeps its invoice number, and is marked as void. The private invoice page shown to your customer also identifies it as void and no longer offers the payment link. Voiding an invoice does not cancel what your customer owes, reverse a payment, or issue a refund; deciding whether anything further is needed is up to you.
We use this information only to provide the invoicing features you ask for: creating and delivering invoices, sending payment reminders when you turn them on, showing an invoice's current status, and keeping your business's records. When you send an invoice or reminder, ClarityApp sends it on your behalf and at your instruction. The message may identify your business as the issuer and include the invoice number, amount due, due date, your payment link, and your business contact details. We do not currently track whether a message was delivered, opened, or clicked; we only record whether the email provider accepted it or it failed.
If you keep Clients in ClarityApp (a name and notes, and an email address if you add one or save one from an invoice), that list is also stored in our cloud database on plans that include cloud sync, so that everyone you have authorized on the business can use it. It is stored whether or not you ever send an invoice. Invoice and customer information is available to the people you have authorized on the business, including any advisor or support access you grant, according to the permissions assigned to each person.
The people you invoice do not need a ClarityApp account. They receive a link to a private page for that one invoice. The link is long and cannot be guessed, but anyone who has it can view the invoice, so it should be treated like the email it arrived in. That page sets no cookies of its own. Payments are not made through ClarityApp: the "Pay Invoice" button opens the payment link you supplied, run by your own payment provider, and ClarityApp does not receive card or bank details.
You are responsible for having the right to give us your customers' information and to instruct us to contact them, and for any notices your customers are owed; see our Terms. We do not sell these email addresses, and we do not use them to market ClarityApp, or anything else, simply because you gave them to us for invoicing. Invoice and reminder emails are transactional only.
If you choose a paid plan, checkout and billing are handled entirely by our payment processor, Stripe. We send Stripe your email address and plan selection; Stripe collects your payment details (card number, billing address) directly — we never see, receive, or store your full card number. Stripe returns to us only what we need to manage your subscription: your plan, billing status, and renewal date. See Stripe's own privacy policy for how they handle payment data.
If you choose to connect an external integration to pull transactions into ClarityApp, we store an encrypted connection credential (for example, an OAuth token) so the connection can keep working, and the transaction data the integration sends us (amounts, dates, and similar) is written into your business's data the same as anything you enter by hand — stored locally or synced to our cloud database depending on which applies to your business, per Section 2 above. This feature is still in preview: connecting works today, but only Stripe test-mode activity is imported right now — live payment import isn't available yet. This is a distinct feature from the optional cloud backup and from paid billing described above; disconnecting an integration at any time (Settings → Integrations) stops it from sending any further data and removes the stored credential.
We don't sell or share personal information for cross-context behavioral advertising. The services below process it on our behalf, each for the specific purpose listed, under their own privacy and security terms:
| Service | What it processes | Purpose |
|---|---|---|
| Supabase | Email address, account metadata, encrypted backup blobs (if you opt in), and — for businesses with cloud sync — the financial data described in Section 2 (including invoices and the customer details entered for them) | Sign-in, account storage, and cloud sync for businesses that have it |
| Resend | Email address; invitation recipient information and message content for advisor-firm invitations; and, if you use invoicing, your customers' names and email addresses and the content of the invoices and reminders you send | Delivering sign-in emails, advisor-firm invitations, and, for invoicing, the invoices and reminders you send |
| Google Analytics | That the /beta page's link to ClarityApp was clicked (not its content) | Measuring interest in starting ClarityApp |
| Cloudflare | Standard web traffic (IP address, requests) | Hosting and delivering the site and app and the customer invoice page |
| Stripe | Email address, plan selection, payment details (collected directly by Stripe), subscription status; if you connect the Stripe integration, the test-mode transaction data it currently syncs (live payment import isn't available yet) | Billing/subscriptions, and (separately, if you opt in) transaction sync |
| Sentry | Technical error details (for example, a stack trace); we configure this to exclude your financial data before anything is sent | Finding and fixing bugs |
We may also disclose information if required by law, or to protect the rights, safety, or property of Margini Labs or our users.
If Margini Labs is involved in a merger, financing, acquisition, or sale of all or part of its business, information may be transferred as part of that transaction, subject to applicable law. This policy continues to apply to it unless you are told otherwise.
ClarityApp uses your browser's local storage (not cookies) to keep you signed in between visits and, for financial data, as described in Section 2: your full store of record on Free, or a working copy kept in sync with our cloud database on a plan with cloud sync enabled. The Google Analytics beta-request-conversion event described in Section 2 uses standard cookies/similar technology. You can clear these through your browser's settings at any time; clearing ClarityApp's local storage removes what's stored on this device — on Free, that's your only copy, so it's permanent; with cloud sync enabled, your business's data remains available from the cloud and your other authorized devices (see the in-app Data & Security guide). If you're visiting from the EU/UK, your browser or device settings are currently the way to control analytics cookies; a dedicated on-site cookie-preference banner is on our list to add and isn't live yet — flagged here rather than implied.
Account and email data: for as long as your account exists, plus a reasonable period after for support and legal purposes. Beta request submissions: for as long as needed to process the request and follow up. Encrypted backup data (if you opt in): until you delete it or close your account. Billing and subscription records (plan, payment status, billing receipts): for as long as needed to manage your subscription plus any additional period required by applicable tax and accounting recordkeeping law. Your financial data: on Free, for as long as it stays in your browser — entirely under your control, not ours. With cloud sync enabled, for as long as your business account exists (so it stays available to everyone you've authorized), plus a reasonable period after for support and legal purposes; you can delete records within the app at any time (invoices are voided rather than deleted, as described in Section 2). The same applies to your business's settings and lists. Your private What-if scenarios stay tied to your account and are removed when your account or the business is deleted. Invoices and invoice records: Invoices, drafts, invoice settings, and related delivery records are retained according to your plan and storage settings. For cloud-stored data, these records remain available while the business account is active. If you close the business account or request deletion of its cloud data, we will handle these records in accordance with our deletion procedures and applicable legal requirements. Some records may need to be retained for a reasonable period for security, dispute resolution, recordkeeping, or legal compliance. Where records are retained, we will handle them in accordance with this Privacy Policy. A business owner can permanently delete a business in the app by typing its name; this removes the business's invoices, drafts and send records from our database. Copies may remain in our service providers' backups for a limited period before they are overwritten, and deleting an account or a business does not remove copies kept in a browser on other devices, which you can clear on each device. We keep only a short record that the business was deleted (its name and type, who deleted it, when, and how many records it had).
You can ask us to access, correct, or delete the account and beta-request data we hold about you, at any time, by emailing hello@marginifinancial.com. On Free, your financial data lives in your own browser, so you already have direct control over it: use ↓ Backup to export it, or "Clear data from this device" to delete it, no request to us needed. With cloud sync enabled, you can delete records directly within the app, and can ask us to delete your business's cloud-stored data by emailing us.
California residents (CCPA/CPRA): you have the right to know what personal information we've collected about you, to request its deletion, to correct inaccurate information, and to not be discriminated against for exercising these rights. We don't sell or share personal information as those terms are defined under California law. Submit a request the same way as above — email us and we'll verify and respond within the time the law requires.
EU/UK residents (GDPR): we process account data based on our contract with you (providing ClarityApp) and, for analytics, our legitimate interest in understanding usage; you have the rights to access, correct, delete, restrict, or port your data, and to object to processing, again by emailing us. Margini Labs is a U.S. limited liability company without a dedicated EU/UK representative at this time; some of our service providers (listed in Section 3) may process data outside the EU/UK under their own respective safeguards.
ClarityApp is intended for business owners and is not directed at children. ClarityApp requires you to be at least 18 years old to use it (see the Terms of Use); we don't knowingly collect information from anyone under 18.
We use reasonable technical measures to protect account data, including encryption in transit and, for optional cloud backups, client-side encryption before anything reaches our servers. No method of transmission or storage is completely secure, and we can't guarantee absolute security. You are responsible for keeping your email account and sign-in links secure, for giving access to a business only to people who should have it, and for telling us promptly at hello@marginifinancial.com if you think someone has accessed your account without authorization.
We may update this page as the site and app change, especially during the beta. The version at marginifinancial.com/privacy is the current one. Material changes will be reflected here with an updated date.
Questions about this policy or your data: hello@marginifinancial.com. We aim to respond within 24 hours. See also the ClarityApp Terms of Use for the fuller picture of how the app itself works.
Last updated October 11, 2026.