Privacy Policy

This policy explains what information Nearing collects, how it's used, and the choices you have. We've written it in plain language.

What we collect

We collect only what's needed to run the app and calculate your goals:

Your account email address.
Self-reported savings goal information (for example, whether you're saving for a home or a car, target amounts, and dates).
Self-reported credit range, income, and debt — only if you choose to provide them.
Deposit amounts and notes you log toward your goals.

What we don't do

We do not connect to your bank accounts.
We do not move, transfer, or hold your money.
We do not sell your personal data.

How your financial info is used

Any self-reported credit or financial information you provide is used only to calculate your in-app Readiness Score. It is not verified against outside sources and is not shared with third parties.

Aggregated, anonymized data

We may use aggregated and anonymized data — information that cannot reasonably be used to identify you — to understand how the product is used and to improve it over time.

Contact

Questions about your privacy? Reach us at privacy@nearingapp.com.

A note about this policy

This privacy policy is provided for general informational purposes and is not legal advice. It should be reviewed by a licensed attorney before any public launch to ensure it meets applicable legal requirements.