Privacy Policy

ClearCost (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard information when you use the ClearCost mobile application and website (collectively, the “Service”).

1. Information We Collect

Account information. When you create an account, we collect your email address and, if you use social sign-in (Google or Apple), your name and profile photo as provided by those services. This is handled through Clerk, our authentication provider.

Insurance plan information. You may voluntarily enter your health insurance carrier and plan name. We use this to display estimated out-of-pocket costs. We do not collect your insurance ID number, member ID, or any claims data.

Search and usage data. We collect the procedures and hospitals you search for, procedures you save, and price alerts you set. This data is stored in your account so we can provide your saved items across devices.

Device and technical data. We automatically collect device type, operating system version, app version, and general error/crash data for debugging and improving the app. We do not collect precise location by default; if you grant location permission, we use it only to show nearby hospitals and do not store your location history.

2. How We Use Your Information

• To provide and personalize the Service (cost estimates, saved procedures, price alerts)
• To authenticate you and keep your account secure
• To improve the app based on aggregate usage patterns
• To send you price alert notifications you have explicitly requested
• To respond to your support requests

We do not sell your personal information to third parties. We do not use your data for advertising.

3. Third-Party Services

We rely on the following third-party services to operate ClearCost:

• Clerk (authentication) — stores your email and manages login sessions. See clerk.com/privacy.
• Neon (database) — hosts the PostgreSQL database that stores your account data. Data is encrypted at rest and in transit.
• Vercel (hosting) — serves the API. See vercel.com/legal/privacy-policy.
• Cloudflare R2 (file storage) — stores insurance transparency data files downloaded from public government sources.
• RevenueCat (subscriptions) — manages in-app purchase and subscription state. See revenuecat.com/privacy.
• Apple App Store / Google Play — if you purchase a subscription, payment is processed by Apple or Google. We do not receive your payment card details.

4. Data Retention

We retain your account data as long as your account is active. You may request deletion of your account and all associated data at any time by contacting us at the email below. We will process deletion requests within 30 days.

5. Children's Privacy

The Service is not directed to children under 13. We do not knowingly collect personal information from children. If you believe a child has provided us information, please contact us and we will delete it promptly.

6. Security

We use industry-standard measures to protect your data, including TLS encryption in transit and encryption at rest. No method of transmission over the internet is completely secure; we cannot guarantee absolute security.

7. Your Rights

Depending on your location, you may have rights to access, correct, or delete your personal data. To exercise these rights, contact us at the email address below. We do not discriminate against users who exercise their privacy rights.

8. Changes to This Policy

We may update this policy from time to time. We will notify you of material changes by posting the new policy in the app and updating the effective date above. Continued use of the Service after changes constitutes acceptance.

9. Contact Us

If you have questions or requests regarding this Privacy Policy, please contact us at privacy@clearcost.app.