Privacy policy

Last updated: April 11, 2026

Introduction

Pair Wealth ("we", "our", or "us") is a personal finance application that helps individuals and couples track investment portfolios and asset allocations. This privacy policy explains how we collect, use, and protect your information.

Information we collect

We collect and process the following information:

  • Authentication data: When you sign in with Apple, we receive your Apple ID identifier and, if you choose to share it, your email address. We do not receive or store your Apple ID password.
  • Profile information: Your display name, which you provide during onboarding. Your display name is encrypted on your device before being sent to our servers.
  • Financial data: Account names, broker names, share counts, and monetary values that you manually enter are encrypted on your device before being transmitted to our servers. We cannot read this data. Only ticker symbols and account types are stored in a readable format, as they are needed for fund lookups and classification. We do not connect to your bank or brokerage accounts directly.
  • Partner data: If you use couples mode, we store the linking relationship between you and your partner. Your partner receives your encryption key through a secure key exchange so they can view your data on their device — our servers never have access to the decrypted information.
  • Fund allocation data: We retrieve publicly available fund composition data from SEC EDGAR NPORT filings to break down your fund holdings into asset classes.

How we protect your data

Pair Wealth uses a zero-knowledge architecture. Your financial data is encrypted on your device using AES-256-GCM before it leaves your phone. We never receive or store your data in a readable form.

  • Client-side encryption: Account names, broker names, share counts, and monetary values are encrypted on your device before transmission. Each user has their own encryption key stored in the iOS Keychain — we do not have access to it.
  • Encryption in transit: All data transmitted between your device and our servers uses TLS encryption.
  • Row Level Security: Our database enforces row-level security policies ensuring you can only access your own data and, if linked, your partner's data.
  • Authentication: We use Sign in with Apple, which provides industry-leading security including two-factor authentication.

How we use your information

We use your information to:

  • Provide the core service: Displaying your portfolio, calculating asset allocations, and generating rebalancing recommendations.
  • Enable couples mode: Allowing you and your partner to view combined household allocations.
  • Retrieve fund data: Looking up your fund tickers against SEC EDGAR to provide asset class breakdowns.
  • Provide AI-powered recommendations (optional): When you use the Contribution Optimizer, we send your decrypted portfolio data to our AI provider to generate tax-aware investment recommendations. This processing occurs only when you explicitly request it.

We do not sell your personal information. We do not use your financial data for advertising. We do not share your data with third parties except as required to provide the service.

Third-party services

We use the following third-party services:

  • Supabase: Cloud database and authentication provider. Your encrypted data is stored on Supabase infrastructure. Supabase cannot decrypt your financial data. Supabase's privacy policy applies to their handling of data.
  • Apple: Sign in with Apple provides authentication. Apple's privacy policy applies to their authentication service.
  • SEC EDGAR: We retrieve publicly available fund filing data from the U.S. Securities and Exchange Commission. No personal data is sent to the SEC.
  • Twelve Data: We use this service to retrieve current market prices for your holdings. Only ticker symbols are sent; no personal data is shared.
  • Anthropic (AI features only): When you use AI-powered features such as the Contribution Optimizer, your decrypted portfolio data is sent to Anthropic's Claude AI service to generate personalized recommendations. Anthropic does not retain your data after processing. This data sharing only occurs when you explicitly request an AI recommendation. See Anthropic's privacy policy for details on their data handling.

AI-powered features

Pair Wealth offers optional AI-powered features, such as the Contribution Optimizer, that analyze your portfolio data to provide personalized investment allocation recommendations.

When you use AI features:

  • Data sent for processing: Your portfolio data — including account names, account types, broker names, holding tickers, share counts, monetary values, and target allocation — is decrypted on your device and sent to our AI provider for processing. This is the only circumstance in which your decrypted financial data leaves your device.
  • AI provider: We use Anthropic's Claude AI service to generate recommendations. Anthropic's usage policies prohibit them from using your inputs to train their models. Anthropic processes your data solely to generate your response and does not retain it after processing.
  • No server-side storage: Pair Wealth does not store your portfolio data or AI recommendations on our servers. The only data we record is a timestamp of your request for rate-limiting purposes.
  • Entirely optional: AI features are opt-in. You can use all other features of Pair Wealth — portfolio tracking, allocation analysis, couples mode — without ever using AI features. No data is sent to AI providers unless you explicitly request an AI recommendation.
  • What is NOT sent: Your Apple ID, email address, device identifiers, and authentication credentials are never sent to the AI provider. Only portfolio data necessary to generate the recommendation is included.

See Anthropic's privacy policy and usage policy for details.

Data retention and deletion

Your data is retained as long as your account is active. You can delete your account at any time from Settings, which will permanently remove all your data including accounts, holdings, and profile information from our servers. This action cannot be undone.

Cached fund allocation data (from SEC EDGAR) may be retained separately as it is public information and is not personally identifiable.

Partner data sharing

When you link with a partner in couples mode:

  • Your partner can see your account names, holdings, and portfolio values.
  • You can see your partner's account names, holdings, and portfolio values.
  • Either partner can unlink at any time, which immediately revokes access to the other's data.
  • Partner linking requires an explicit invitation and acceptance process.

Children's privacy

Pair Wealth is not intended for use by anyone under the age of 18. We do not knowingly collect information from children.

Changes to this policy

We may update this privacy policy from time to time. We will notify you of any changes by updating the "Last updated" date at the top of this policy.