Privacy Policy

VisionFI (“we,” “our,” or “us”) is a financial independence planning tool. This Privacy Policy explains how we collect, use, store, and protect your information when you use our website and services (the “Service”).

By using the Service, you agree to the collection and use of information in accordance with this policy. If you do not agree, please do not use the Service.

2.1 Account Information

When you create an account, we collect:

• Email address
• Name (first and last)
• Password (stored as a one-way hash; we never store or transmit plain-text passwords)
• Authentication tokens issued by Google OAuth, if you choose to sign in with Google

2.2 Financial Planning Data

To provide financial projections and planning tools, we collect information you enter into the app, including:

• Age, household members, and basic demographic details
• Income, savings rate, and annual expenses
• Asset balances across accounts (cash, taxable investments, retirement, real estate, other)
• Liability balances (mortgages, loans, credit cards)
• Retirement goals, target FIRE date, and scenarios you create
• Net worth snapshots over time

You enter this information manually. VisionFI does not link to external financial accounts or automatically import transactions.

2.3 Usage Data

We may collect anonymous usage data such as pages visited, features used, and session duration to improve the Service. We do not sell or share this data with third parties for advertising.

2.4 Cookies and Local Storage

We use browser local storage to cache your plan data for offline access and performance. We use session cookies issued by our authentication provider to keep you signed in. We do not use third-party advertising cookies.

We use the information we collect to:

• Provide, operate, and maintain the Service
• Calculate your financial projections and display them in the app
• Authenticate you and secure your account
• Respond to support requests
• Improve our product and fix bugs
• Send transactional emails (account verification, password reset, security notices)

We will never sell your personal financial data, and we will never use it for advertising purposes.

VisionFI uses Anthropic’s Claude API to generate plain-language explanations of financial concepts and your plan results. When you request an explanation:

• We send the relevant context (e.g., your current net worth, FI number, inputs for the calculation) to Anthropic’s API
• We do not send your name, email, or other personally identifying information
• Anthropic processes the request under their terms and does not use your data to train models (per their API terms)

AI-generated explanations are informational only and are not financial advice.

Your account information and financial data are stored in Supabase (supabase.com), a managed PostgreSQL database hosted on secure cloud infrastructure. All data is:

• Encrypted in transit using TLS/HTTPS
• Encrypted at rest in the database
• Protected by Row-Level Security policies that prevent any user from reading or modifying another user’s data

While we take reasonable measures to protect your data, no method of electronic storage is 100% secure. We encourage you to use a strong, unique password and to enable two-factor authentication when available.

We use the following third-party services to operate the Service:

• Supabase — database, authentication, and file storage
• Google OAuth — optional sign-in provider; governed by Google’s privacy policy
• Vercel — application hosting and edge network
• Anthropic — AI explanations via the Claude API

Each provider has its own privacy policy. We only share the minimum information required for them to perform their function.

You have the right to:

• Access your data — available in the app via Settings → Data Export
• Correct inaccurate information — editable any time in the app
• Delete your account and all associated data — contact us and we will remove your data within 30 days
• Export your data in a portable format (JSON)
• Opt out of non-essential communications

We retain your account information and financial data for as long as your account is active. If you delete your account, we will permanently remove your data within 30 days, except where we are required by law to retain it (e.g., tax records).

The Service is not intended for children under 16. We do not knowingly collect personal information from children under 16. If you believe we have collected such information, please contact us and we will delete it.

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the “Last updated” date at the top. Your continued use of the Service after changes constitutes acceptance of the revised policy.

If you have questions about this Privacy Policy or your data, please contact us at:

privacy@visionfi.app