Effective Date: December 2024 | Last Updated: December 2024
Welcome
This privacy policy explains how Solvent (operated by TrustTech Limited, New Zealand) collects, uses, and protects your information. We've written it in plain language because you deserve to understand it.
If you have questions after reading this, email us at privacy@getsolvent.online. We'll respond personally.
What We Collect
Information You Give Us
| Data | Why We Need It | How Long |
|---|---|---|
| Email address | Account creation, updates, password reset | Until you delete your account |
| Name (optional) | Personalize your experience | Until you delete your account |
| Password | Secure your account (encrypted, we can never see it) | Until you delete your account |
| Financial data | The core of Solvent—tracking your money | Until you delete your account |
| Time tracking data | Business features for freelancers | Until you delete your account |
Information Collected Automatically
| Data | Why | Can You Opt Out? |
|---|---|---|
| Device & browser type | Make sure Solvent works on your device | No (essential) |
| Pages you visit | Improve the app | Yes |
| Error logs | Fix bugs | No (essential) |
| IP address | Security (suspicious login detection) | No (essential) |
What We Never Collect
- • Bank login credentials
- • Social security or government ID
- • Your location (unless you add it to a note)
- • Contacts or phone data
- • Anything from other apps
How We Use Your Data
1. To provide Solvent
- • Store your data so you can access it
- • Calculate budgets, projections, and goals
- • Power the AI assistant
2. To improve Solvent
- • Understand feature usage (anonymized)
- • Fix bugs and issues
- • Develop new features
3. To communicate with you
- • Password resets
- • Account and billing notices
- • Product updates (unsubscribe anytime)
We don't use your data to show ads, build marketing profiles, or train AI models on your information.
Who Sees Your Data
Our Team
Almost no one. We built Solvent with row-level security. Your data is isolated in the database. Team members cannot query your personal financial information. Only you can see your accounts and transactions.
Third Parties We Use
| Service | Purpose | What They See |
|---|---|---|
| Vercel | Hosting | Server logs, IP addresses |
| Stripe | Payments | Payment method, billing address |
| Resend | Your email address | |
| Anthropic | AI assistant | Your AI conversations (not stored) |
| Xero (if connected) | Accounting | Invoice data you sync |
We carefully vet every third party. We never use services that sell data.
We Never Share With
- • Advertisers
- • Data brokers
- • Social media companies
- • Marketing partners
- • Anyone who wants to buy it
Security
Encryption
- • All data encrypted in transit (HTTPS/TLS)
- • Passwords hashed with bcrypt
- • Encrypted database connections
Access Control
- • Row-level security for data isolation
- • Strictly limited team access
- • Two-factor auth for all team accounts
Your Rights
Access
Download all your data: Settings → Privacy → Download My Data
Correction
Edit most data directly in the app. Contact us for anything else.
Deletion
Settings → Privacy → Delete My Account. Immediate, complete, irreversible.
Portability
Export to CSV or JSON. Your data belongs to you.
Opt-out
Manage cookies in Settings → Privacy. Unsubscribe from emails anytime.
Learn more about exercising your rights on our Data Rights page.
Data Retention
| Data | Retention |
|---|---|
| Account & financial data | Until you delete your account |
| Payment records | 7 years (legal requirement) |
| Support conversations | 2 years |
| Server logs | 90 days |
| Analytics (anonymized) | Indefinitely |
When you delete your account, all personal data is immediately and permanently deleted. Payment records are anonymized. Backups purge within 30 days.
Cookies
We use cookies sparingly:
- Essential cookies: Required to work (can't disable)
- Analytics cookies: Help us improve (you can disable)
- No advertising cookies: We don't run ads
Full details in our Cookie Policy.
Children
Solvent is not for children under 16. If you believe a child has an account, contact us immediately.
Legal Requirements
We may disclose information if required by law (court order, preventing fraud, protecting safety). If this happens, we'll notify you unless prohibited, provide only minimum required information, and challenge overreaching requests.
We have never received a government request for user data.
International
Solvent is based in New Zealand. Your data may be processed in New Zealand, the US, and other countries where our providers operate. We ensure compliance with applicable data protection laws.
Changes
For significant changes:
- • We'll email you 14 days before they take effect
- • We'll post a notice in the app
- • We won't reduce your rights without consent
Contact
Email: privacy@getsolvent.online
Mail: TrustTech Limited, New Zealand
We read every message and respond personally.