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About·Privacy·Terms·Data·Accessibility

© 2026 simplicity.finance. All Rights Reserved.

For Education Only — Not Investment Advice

Privacy Policy

Privacy Policy

Data We Collect

Account Data

Email address, display name, and authentication provider (Google or email). We do not store passwords; sign-in is OAuth or one-time codes. We also keep your time zone and currency: both are first estimated from your connection at sign-up, and your device then keeps the time zone current, so emails arrive in your morning and prices show in your currency.

Usage Data

Episodes viewed, reports accessed, shows followed, saved items, notebook entries, onboarding answers.

Subscription Data

Plan and billing status. Card numbers are handled and stored by Stripe, not by us.

Technical Data

IP address, browser, and device information for security and abuse prevention.

How We Use It

  • Provide and personalize the service.
  • Send the reports and notifications you have opted into.
  • Process subscription payments via Stripe.
  • Improve the product through aggregate, de-identified usage analysis.
  • Send essential account communications (verification, security, billing).

We do not sell your data. We do not use it for advertising. We do not share it with brokers.

Storage & Security

Database

Supabase Postgres, hosted on AWS in the United States (us-east region).

International Transfers

We are based in Bulgaria; the database and most processors below are in the United States. Those transfers rest on each processor’s data-processing agreement with the EU Standard Contractual Clauses (and, where the processor holds it, the EU–US Data Privacy Framework). Product analytics stays in the EU.

Encryption

TLS 1.3 in transit. AES-256 at rest. Backups encrypted with separate keys.

Access

Narrowly-scoped service credentials; every query is scoped to your account by the application. No engineer reads your private data without an explicit support request from you.

Third-Party Services

Supabase

Database hosting (AWS us-east region)

Stripe

Subscription billing and payment processing

Resend

Transactional and report email delivery

Google

OAuth sign-in provider; optional read-only YouTube subscription import

OpenAI · Perplexity

AI models for summaries and the daily brief

Vercel

Application hosting, edge delivery, and cookieless page analytics

PostHog

Product analytics — EU-hosted, only after cookie consent

Railway

Background processing infrastructure

Upstash

Rate limiting (IP-keyed request counters)

Better Stack

Operational logs (may include IP addresses)

Sentry

Error reporting

Trustpilot

Review invitations — your name and email, only if we invite you to review us

YouTube Subscriptions (Optional)

If you choose to connect your YouTube account during onboarding, we request read-only access to your channel subscriptions (Google’s youtube.readonly permission) for a single purpose: to read your subscription list once, match it against the finance creators we cover, and follow the matches on your simplicity.finance account so you do not have to pick them by hand.

We do not store your subscription list. We keep only the channel IDs of the matches found in our catalog (public YouTube identifiers, not personal data). We do not read your watch history, comments, uploads, or any other YouTube account data, and we never modify, post to, or manage your YouTube account. The access token is used once for the import and discarded.

You can revoke this access at any time from your Google Account permissions page. Followed channels stay on your simplicity.finance account until you unfollow them. Our use of YouTube data is governed by the YouTube API Services Terms of Service and the Google Privacy Policy.

Your Rights (GDPR)

Access

Request a copy of every record we hold about you.

Rectification

Correct anything that is wrong.

Erasure

Delete your account and all associated data — completed within 30 days. Two records outlive it by design: the email suppression entry (so a bounced or complaining address is never emailed again) and the payment provider’s customer record (Stripe keeps it for its own tax and dispute obligations).

Portability

Export a complete copy of your data as a downloadable HTML file.

Objection & Restriction

Opt out of non-essential processing or limit how we use your data.

Most rights can be exercised directly in Settings. For anything else, email privacy@simplicity.finance.

Cookies

  • Essential — authentication and session state.
  • Referral Attribution — if you arrive through an invite link, a first-party cookie remembers the referral code for 30 days so the inviter gets credit.
  • Preferences — remembers layout choices such as whether the sidebar is collapsed.
  • Analytics (Only with Your Consent) — if you choose Accept in the cookie notice, PostHog product analytics sets a first-party cookie so we can see which features are used. It is hosted in the EU, never loads before you accept, and Essential Only keeps it off. Change your choice any time via .
  • No advertising or cross-site tracking cookies.
  • No third-party cookies set by our application; the analytics cookie above is first-party and consent-only.

Email Communications

  • Transactional — verification codes, billing receipts, important account notices. Cannot be disabled while your account is active.
  • Reports — only sent if you opt in. Toggle off any time in Settings.
  • Product Updates — rare, opt-out via the unsubscribe link in any such email.

Retention

Active Accounts

Retained for as long as your account exists.

After Deletion

All personal data is removed within 30 days, except the email suppression entry and the payment provider’s customer record (see Erasure above). Backups containing residual data age out within 90 days.

Gift Recipients

An address a purchaser typed for someone else is removed 30 days after the gift is claimed or refunded (immediately if that person is a member who deletes their own account).

Aggregated Analytics

De-identified product metrics may be retained indefinitely for service improvement.

Contact

Data Controller

Svetoslav Mihovski, Sole Trader
21-vek 11A, 1700 Sofia, Bulgaria

Privacy Requests

privacy@simplicity.finance

Last Updated: October 6, 2026