Privacy Policy

Last updated: May 5, 2025

1. Introduction

Welcome to Mosaic ("we", "our", or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, and share information about you when you use our services at mosaicwealth.app.

2. Information We Collect

We collect information you provide directly to us, such as:

  • Account information (name, email address) via Clerk authentication, we never see or store your account password.
  • Financial data you manually enter (assets, liabilities, net worth)
  • Budget and investment information you input into our tools

We do not collect or store any bank account credentials. We do not link to any financial institutions. All financial data is entered manually by you.

3. How We Use Your Information

We use the information we collect to:

  • Provide, maintain, and improve our services
  • Process transactions and send related information
  • Send technical notices and support messages
  • Respond to your comments and questions

4. Data Storage and Security

Your data is stored securely on Neon (PostgreSQL) servers located in the United States. We use industry-standard encryption to protect your data in transit and at rest. Authentication is handled by Clerk, a SOC 2 compliant identity platform.

5. Data Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information with:

  • Clerk — for authentication and identity management
  • Neon — for database storage
  • Stripe — for payment processing (Pro plan subscribers only)
  • Vercel — for hosting and infrastructure

6. Your Rights

You have the right to:

  • Access your personal data
  • Correct inaccurate data
  • Request deletion of your data
  • Export your data

To exercise these rights, you can delete your account directly from the Settings page, or contact us at support@mosaicwealth.app.

7. Cookies

We use essential cookies only — necessary for authentication and session management. We do not use advertising or tracking cookies.

8. Children's Privacy

Mosaic is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Email: support@mosaicwealth.app

Address: 50 Woodland Ave Verona, New Jersey 07044 United States