Effective date: July 29, 2026 · Last updated: September 8, 2026
TL;DR
We built Reclaim Money to help you keep more of your money. That means we designed it to hold as little of your data as possible.
We never ask for your credit-card number, Social Security number, or account credentials. The card details you enter live on your phone. When you generate a script, those details briefly travel over encrypted HTTPS to our backend, which passes them to Anthropic's Claude AI to write your script, and then discards them. We do not sell your data. We do not track you across apps or websites.
1. Who we are
Reclaim Money ("we," "us," "our") is an AI-powered debt negotiation coach available on the iOS App Store. This Privacy Policy explains what personal information we collect, how we use it, who we share it with, and your rights.
If you have questions, contact us at support@reclaimmoney.app.
2. Information we collect
2.1 Information you enter about a credit card
When you add a card, you may provide:
- Issuer name (e.g., Chase, Capital One)
- Product name (e.g., Sapphire Preferred)
- Current APR
- Current balance
- Credit limit
- Annual fee
- Months you've held the card
- On-time payment streak (in months)
- Recent late-fee amount (if applicable)
We do not ask for, collect, or store your credit-card number, security code (CVV), expiration date, PIN, account credentials, or Social Security number.
2.2 Information you enter about a negotiation
Optionally, you may describe your situation, a competing offer, or hardship context in free-text fields. This text is used only to personalize the generated call script.
2.3 Information about your outcomes
After a call, you may log the outcome (won / partial / declined / callback), estimated savings amount, and private notes for your own reference.
2.4 Information we do NOT collect
- Your name, email address, or phone number
- Your device's location
- Your contacts, calendar, camera, microphone, or photos
- Your browsing or search history
- Any advertising identifiers
- Any information that identifies you personally
Reclaim Money does not require an account. There is no signup, login, or password.
3. How your information is stored and transmitted
3.1 On your device
All card details, generated scripts, and call outcomes are stored locally on your phone using iOS's standard app storage (AsyncStorage). This data never leaves your phone except during the momentary script-generation step described below.
3.2 During script generation
When you tap "Generate my script," the card details you provided are transmitted over encrypted HTTPS (TLS 1.2 or higher) to our backend service. Our backend immediately relays the details to Anthropic's Claude API, receives the generated script, and returns it to your phone. Our backend does not persist your card details in any database, log, or file. The request completes and the data is gone from our servers.
3.3 Anthropic (our AI provider)
The script generation is powered by Claude, an AI model operated by Anthropic. Anthropic receives the card details you provided during the API request and uses them to generate your script. Anthropic's use of that data is governed by their commercial terms (anthropic.com/legal/commercial-terms) and privacy policy (anthropic.com/legal/privacy). Under these terms, Anthropic does not train its models on API inputs by default.
4. How we use your information
We use the information you provide only to:
- Generate personalized call scripts for your negotiation
- Show you your call history and total savings on your device
- Diagnose and fix bugs (only if you voluntarily share diagnostic details with support)
We do not use your information for advertising, marketing, product personalization across users, or any purpose other than the app's core functionality.
5. Who we share your information with
We share your card details with only one third party, and only during the moment of script generation:
- Anthropic — receives your card details via the Claude API to generate your script. See Section 3.3.
We do not sell, rent, or trade your information with any other party. We do not share data with advertisers, data brokers, analytics vendors, or social networks.
We may disclose information if legally required to do so (e.g., in response to a valid subpoena) — but because we do not persist your data on our servers, there is typically nothing for us to disclose.
6. Your rights and choices
Because Reclaim Money does not hold your data on our servers, most rights (access, portability, deletion) apply to the copy on your device:
- Delete a single card or call: use the "Remove this card" or "Delete this call" buttons in the app.
- Delete everything at once: uninstall Reclaim Money from your iPhone (long-press icon → Remove App → Delete App). This deletes all locally stored data.
- Access your data: your card list and history are visible inside the app.
- Portability: we don't currently offer export, but you can request one via support@reclaimmoney.app.
7. Children's privacy
Reclaim Money is not directed to children under 13. We do not knowingly collect any information from children under 13. If you believe a child has provided us with information, contact us at support@reclaimmoney.app and we will delete it.
8. Security
We use industry-standard security practices, including HTTPS/TLS encryption for all network traffic, and iOS's standard app-sandbox protection for on-device storage. No system is perfectly secure, but by design Reclaim Money holds very little data that would be valuable to attackers.
9. Changes to this policy
We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last updated" date at the top of this page. Continued use of Reclaim Money after a change means you accept the updated policy.
10. Contact us
Questions about this policy or Reclaim Money's data practices? Email support@reclaimmoney.app. We reply within 2 business days.