Privacy Policy
Last updated: 14/07/2025
🔒 Privacy-First Promise
Subcircle is built on the principle that your financial privacy is sacred. We analyze your bank statements using AI to find subscriptions, then permanently delete your data after 7 days. No exceptions, no permanent storage.
What Information We Collect
Bank Statement Data (Temporary)
- • Bank statement files (PDF or CSV format)
- • Transaction data for analysis
- • Merchant names and amounts
- • Transaction dates and frequencies
Account Information
- • Email address (for magic link authentication)
- • Display name (optional)
- • Family group assignments
- • Subscription preferences and insights
How We Use Your Information
AI Analysis (Temporary Processing)
Your bank statement data is processed by our AI system to:
- • Identify recurring subscription payments
- • Categorize different types of subscriptions
- • Calculate spending patterns and totals
- • Generate optimization recommendations
Service Provision
- • Send magic link authentication emails
- • Provide subscription tracking dashboard
- • Generate family spending reports
- • Deliver AI-powered insights
Data Retention and Deletion
🗑️ Automatic Data Deletion
- • Bank statement files: Permanently deleted after 7 days
- • Transaction data: Permanently deleted after 7 days
- • AI analysis data: Permanently deleted after 7 days
- • Processed insights: Retained for your dashboard access
We use automated systems to ensure your sensitive financial data is completely removed from our servers. Only the processed insights (subscription names, amounts, categories) are retained for your ongoing use.
How We Protect Your Data
- • Encryption: All data encrypted in transit and at rest
- • Access Control: Strict employee access policies
- • Secure Processing: AI analysis in isolated environments
- • No Third-Party Sharing: We never sell or share your data
- • Regular Security Audits: Continuous monitoring and testing
Your Rights
Under New Zealand privacy laws, you have the right to:
- • Access your personal information
- • Correct inaccurate information
- • Request deletion of your account
- • Export your subscription data
- • Withdraw consent for processing
Contact Us
If you have questions about this privacy policy or how we handle your data:
- • Email: privacy@subcircle.co.nz
- • Response time: Within 48 hours
💡 Questions About Privacy?
We're happy to explain exactly how we protect your data. Privacy isn't just a policy for us - it's the foundation of everything we build.