Private TestFlight beta

Tally beta privacy notice

This notice describes the Tally: Money Clarity private beta as it works today. It is factual product information, not a claim that this beta privacy notice has been attorney-reviewed.

What Tally stores

Manually created Tally product data currently remains on your device unless a feature explicitly says otherwise. This includes First Plan, Paycheck Split, Money Move records and checks, conversation history, explicit Tally Memory, and preferences such as appearance and AI-processing authorization.

Local storage and recovery

Tally does not currently provide general account-based cloud or cross-device sync for that manually created data, and does not promise automatic recovery when you change devices or reinstall the app. Device or platform backups may behave according to their own settings and are not a Tally sync promise.

Your Tally account

Tally can use an authenticated account to establish durable ownership of certain services, including connected-bank access. Creating an account does not automatically upload or synchronize your existing local Tally data.

AI-supported requests

Tally uses AI only for requests where AI adds value. Supported facts and calculations may remain local. When AI is used, Tally sends only context relevant to that request under its data-minimization design—not complete conversation history or every saved financial record by default. User-visible AI processing follows Tally’s consent and authorization controls.

Conversations and Tally Memory

Conversation transcripts and Tally Memory are separate. Tally Memory is explicit-only in this beta: Tally carries something forward only when you intentionally ask it to remember. Deleting a conversation does not automatically delete an explicit memory item, and deleting memory does not change saved financial records.

Talk is read-only

Talk to Tally is currently read-only with respect to saved financial records. It can discuss hypothetical money moves, but it does not automatically change your saved plans.

Optional connected-bank access

Connected-bank functionality is under limited internal testing and is not generally available. Connecting a bank is optional, and Tally remains usable without a bank connection. Tally uses Plaid, a third-party service with its own privacy practices, to connect financial accounts that you authorize. The current approved Plaid product is Transactions.

Connected-bank information

For Money Flow, Tally may receive and store institution and selected-account display information, transaction amounts and dates, merchant or payee descriptions, transaction categories, pending or posted status, and synchronization or freshness information. Tally does not receive your bank login credentials through this integration and does not store full account or routing numbers.

Plaid access tokens used to maintain a connection are stored securely on Tally’s backend. They are not stored in the iOS app, shown to users, or sent to AI.

When transaction synchronization is enabled, Tally may store normalized connected-bank observations on its backend, including normalized transactions, account association, categories, synchronization cursors or freshness, and derived Money Flow summaries. Tally does not retain raw Plaid response payloads as its product record.

Plans and observed activity

First Plan and Paycheck Split describe what you planned. Connected-bank observations describe activity Tally observed from an account you authorized. Observations do not silently overwrite your saved plans. Money Flow may use them to show money in, money out, where money broadly went, changes over time, and the coverage or freshness of available information.

Bank and AI permissions

Bank-connection consent and AI-processing consent are separate. Connecting a bank does not authorize AI processing. Connected-bank Money Flow is currently deterministic; AI bank synthesis is not enabled. Any future authorized AI use would use only relevant, bounded context rather than automatically sending full transaction history.

Disconnecting and deletion

Disconnecting a bank stops future provider access and synchronization. Deleting imported connected-bank data is a separate destructive operation, and deleting a Tally account is separate again. These controls are not all available in the current user interface during limited testing. Connected-bank data may be retained as needed to provide connected-bank features until it is deleted or otherwise removed under available controls and policy; Tally does not promise automatic deletion after a fixed period.

Security and minimization

Tally uses account-ownership controls, secure backend token storage, request and integrity protections, and data minimization for connected-bank features.

Support

Tally Support
support@tallyclarity.app

Changes during beta

Tally is an early private beta. Features and data practices may evolve. Material privacy changes will be reflected in updated product disclosures before those features are used.