Privacy Policy

• Account details — your name, email, phone, and password (stored encrypted).
• Your home & finances — the property and household details you enter (address, home features, purchase and loan info, insurance, maintenance, documents, photos, and any video you upload).
• Goals & intake — the preferences and information you share during onboarding.
• Usage — basic technical data (device, app version, and activity) needed to run and secure the service.

To provide and personalize Cleo — building your homeownership plan, tracking maintenance, organizing documents, surfacing equity and refinance insights, and letting your advisor support you. We use it to operate, secure, and improve the service and to send you updates you’ve opted into.

We do not sell your personal information.

Some Cleo features are powered by artificial intelligence: the Ask Cleo assistant, your annual home story (a year-in-review), and appliance lookup (finding a manual or support page). These features are off by default. The first time you use one, Cleo shows you a consent notice explaining what is shared and asks for your permission. No data is sent to our AI provider until you turn AI features on, and you can turn them off anytime in Settings → AI features.

Who the data is sent to: our AI provider is Anthropic, PBC(the maker of Claude), based in the United States. Anthropic processes your data under a contract solely to generate the response you asked for. Per Anthropic’s commercial terms, it does not use your data to train its models, and is bound to protections consistent with this policy.

What is sent when you use an AI feature can include:

• Ask Cleo — the messages you send, plus your home and mortgage details (estimated value, loan balance, equity, rate, taxes, insurance, HOA, home features), upcoming maintenance, document counts, your journey stage, and your advisor’s contact details, so the assistant can answer about your home.
• Annual home story — the titles and dates of your memories, projects, and photos for the year, counts, and the change in your home’s estimated value, used to write the narrative. (If AI is off, this story is generated locally without sharing anything.)
• Appliance lookup — the brand, model, and type of the appliance you’re looking up.

Your data is used only to produce the answer or story you requested — never to advertise to you or to sell your information.

• Your advisor — the licensed advisor who invited you can see your household’s information to provide their services. Co-owners you invite share your household’s data.
• Service providers that operate Cleo on our behalf, under contract: hosting and file storage (Vercel), transactional email (Resend), property public-records lookups (RentCast, only when you use auto-fill), AI features (Anthropic — see “AI features & the data shared with our AI provider” above; only after you opt in), and push notifications (Google Firebase, only if enabled).
• Legal — if required by law or to protect rights and safety.

We keep your information while your account is active. You can permanently delete your account and its data at any time from Settings → Delete account. Deleting your account removes your household’s records, documents, and uploads; some records may persist briefly in backups before they expire. If you can’t sign in, see how to delete your account.

We use industry-standard measures including encryption in transit, hashed passwords, and access controls. No system is perfectly secure, but we work to protect your information.

Cleo is intended for adults (18+) and is not directed to children.

You can view and edit your information in the app, control email preferences, and delete your account. For requests about your data, contact us below.

We may update this policy; we’ll revise the date above and, for material changes, notify you in the app.

Questions about your privacy? Email homes@andresaviles.com.