Privacy, in plain English.

Last updated October 8, 2026

Short version: your plan is saved to your account so you don't lose it, and only you can see it. We never ask for bank logins or card numbers, and we never sell your info.

What We Keep, and Why

• Your account. Your email and your password. Passwords are scrambled (hashed), so not even we can read them. We need these so you can sign in. If you turn on two-step sign-in, we also keep the secret key that links your authenticator app to your account.
• Your plan. The card names, balances, rates, minimums, due dates, limits, payments, and goals you enter. We keep it so your plan is safe if you lose your phone and shows up on any device you sign in on. A copy is also kept in your browser on the device you're using so the app works quickly. Signing out removes it from that device.
• Reminders. If reminder emails are on, we keep your upcoming payment dates, card names, and amounts so we can email you before each payment day. Reminders are on when you sign up. You can turn them off anytime in the app under Your Account.
• Feedback. If you send us feedback or ideas from the app, we keep your message with your email so we can read it and write back.
• Statement photos. If you use Snap Your Statement, the photo or PDF goes to an AI service that pulls out only your card name, balance, rate, minimum payment, due date, credit limit, and any 0% deal. We skip your purchases and never save them, and we don't save the photo either. Only the numbers you choose to keep end up in your plan.
• Messages you send us. If you write to us through our contact page, we keep your name (if you give it), your email, and your message so we can read it and write back.
• Waitlist and quick questions. If you join the waitlist on our website, we keep your email to tell you about Fremme. Sometimes we ask a quick question, like whether you'd want to connect your cards someday. In the app, your answer is anonymous. If you answer right after joining the waitlist, we keep it with your email so we know who's interested.
• Basic technical info. Like most websites, our providers keep standard logs, such as IP addresses, browser type, and sign-in times, to keep things running and secure.

Who Can See It

Your plan is locked to your account. Other people using Fremme can't see it. Our team can access it only to keep Fremme running, fix problems, help you when you ask, or when the law requires it. Your connection to Fremme is encrypted (HTTPS).

Services We Use

We use a few trusted companies to run Fremme. They handle your info only to provide their service to us.

• Supabase stores accounts, plans, reminders, and feedback.
• Resend sends our emails, like sign-in emails and reminders.
• Anthropic (the maker of the Claude AI) reads statement photos when you use Snap Your Statement and sends back only the summary numbers. Anthropic doesn't use them to train its AI, and may keep them for a limited time under its own data policy.
• Netlify hosts our website and stores waitlist sign-ups, quick-question answers, and messages from our contact page.
• Google Fonts and jsDelivr deliver our fonts and some of the app's code, so your browser connects to them when you visit.

The app may link to outside sites, like the National Foundation for Credit Counseling or AnnualCreditReport.com. Their own privacy policies apply there.

What We Don't Do

• We don't connect to your bank or card accounts.
• We don't sell or rent your personal info.
• We don't show you ads or share your info with advertisers.
• We don't move money. You make every payment yourself, in your card's own app or website.

How Long We Keep It

We keep your account and plan until you delete them. When you delete your account, your plan and reminders are deleted with it right away. We keep feedback messages so we have a record of what people asked for, unless you ask us to delete those too. Our providers' logs are kept for a limited time and then deleted on their schedules.

Your Choices

• See and change your info: everything you've entered is right there in the app, and you can edit it anytime.
• Get a copy: tap Download My Plan on the home screen.
• Reminder emails: turn them on or off under Your Account in the app.
• Waitlist emails: use the unsubscribe link in any of those emails, or ask us to remove you.
• Start over: tap Start Over at the bottom of the home screen to clear your plan from this device and your account.
• Delete everything: tap Delete My Account under Your Account in the app. Your account, plan, and reminders are deleted right away. Having trouble? Email us at hello@fremme.co from the email you signed up with, and we'll take care of it.

Age

Fremme is for adults 18 and older. We don't knowingly collect info from anyone younger.

Changes

If we change how we handle your info in a way that matters, we'll update this page and let you know in the app or by email.

Not Financial Advice

Fremme gives estimates to help you plan. It's not financial, legal, or credit advice, and your card company's statements are the numbers that count. See our terms.

Questions?

Email us at hello@fremme.co or use our contact page.