How FinScroll handles your data

1. Who we are

FinScroll (“we,” “us,” or “our”) is a personal portfolio project — a free, experimental web app that explores whether the doomscrolling habit can be redirected into financial-literacy learning. There's no company, no paying customers, and no team behind it; just a solo developer building in public.

This Privacy Policy explains what information the app collects when you use it at finscroll.app, why it collects it, who else handles it on our behalf, and the choices you have. By using FinScroll, you confirm you've read and understood this Policy. If you don't agree, please don't use the service.

2. What information we collect

2.1 Account information

When you sign up we collect (via our authentication provider Clerk):

• Email address
• Display name and profile picture (if provided)
• OAuth tokens and provider identifiers when you sign in with Google or another connected account
• IP address and basic device information (for security)

2.2 Onboarding & learning data

To personalize your experience, we ask three onboarding questions and store your answers:

• Your biggest money struggle (saving, debt, investing, or “all of it”)
• Your average daily scroll-time bucket
• Your primary first-money goal

As you use the app we also store: streak count, the concept cards you've mastered, your quiz answers, and a weekly activity log.

2.3 Notes you write

When you save a note on a card, the text is stored on your device and, if cloud sync is enabled, on our database. Voice notes you dictate are transcribed locally by your browser's speech engine; we only store the transcribed text.

2.4 Chat messages with the AI Coach

When you send a message to the AI Coach, your message text is sent to Google's Gemini API to generate a response. We do not retain your chat history on our servers; messages live only in your browser's memory during the session.

2.5 Device, browser, and crash data

We use localStorage and a service worker to remember your progress, settings (audio on/off, tutorial completed), and to cache static assets for offline use. If the app encounters an error, our error-monitoring provider (Sentry) records the error context, your account ID, and a short trail of your recent actions (“breadcrumbs”) to help us fix bugs.

2.6 Video views

Concept cards embed short educational videos from YouTube via YouTube's official iframe player. When a video loads, YouTube may set cookies and collect viewing data per its own privacy policy. We don't receive that data directly.

3. How we use your information

• To create and manage your account
• To personalize the cards you see, the AI Coach's suggestions, and the compound-wealth impact numbers we show you
• To save your streak, completed cards, and notes so they persist across devices
• To fix bugs and monitor reliability
• To comply with legal obligations and protect against abuse or fraud

We do not sell your personal information, and we don't use your data to train models or for behavioural advertising.

4. Who handles your data on our behalf

To run FinScroll we use the following service providers (“subprocessors”). Each is bound by their own privacy terms, which we link below.

5. International data transfers

Most of our subprocessors are based in the United States. If you use FinScroll from the European Economic Area, the UK, or another region with data-protection laws, your information will be transferred to, stored, and processed in the United States and other countries. We rely on the relevant Standard Contractual Clauses or each provider's certification for these transfers.

6. How long we keep your data

We retain your account and learning data for as long as your account is active. When you delete your account (Account → Delete account) we wipe your Supabase rows and Clerk profile immediately. Local device data is cleared at the same time. Sentry breadcrumbs roll off on Sentry's own retention schedule (typically 30–90 days).

7. Your rights

Depending on where you live, you may have the right to:

• Access the personal information we hold about you
• Correct inaccurate information
• Delete your account and personal data
• Export your data in a portable format
• Object to or restrict certain processing
• Withdraw consent at any time

You can delete your account at any time from Account → Delete account. For any other request, use our contact form and we'll respond within 30 days.

8. Cookies & local storage

We use localStorage in your browser to remember your streak, progress, audio preference, completed tutorial state, and onboarding answers (so the app works offline and loads fast). We also register a service worker that caches static assets. We do not use third-party advertising cookies. Clerk sets a session cookie that's required to keep you signed in.

9. Children's privacy

FinScroll is intended for users 13 years and older. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has signed up, please use our contact form (subject: Privacy / data request) and we'll delete the account.

10. Changes to this policy

We may update this Policy from time to time. When we make material changes we'll update the “Last updated” date above and, for significant changes, notify you in the app or by email before the change takes effect.

11. Contact

Questions about this Policy or how we handle your data? Use our contact form and pick the “Privacy / data request” subject. We don't publish a direct mailing address — all messages route through our private team inbox.