Privacy Policy

Silver Dollar is a family organization app with home inventory, care coordination, and read-only Financial Care. Signed-in families may connect accounts with the account holder’s permission. This policy explains what information we collect, how we use it, who can see it, and your choices. The short, plain-language version is how Silver Dollar handles your family’s information.

Silver Dollar does not provide legal, financial, tax, or estate-planning services. The intended recipient feature is an organizational tool only. It does not replace your will or trust.

1. What we collect

We collect the following categories of information:

• Account information. Your name and email address when you create an account or accept a family invitation. If you opt in to SMS on /sign-in or /sms, we also store the mobile number you entered and the consent language you agreed to.
• Photos and videos. Images and short videos of household items you capture through the app, plus any stories or text memories you attach to them.
• Extracted metadata from photos and videos. When you upload a photo or video we extract structured fields from it (date and time captured, GPS coordinates, camera make and model) and store those fields in your private, secured inventory record. See the section below on how we handle location data.
• Item details you enter. Names, descriptions, estimated values, intended recipients, room and property assignments, and any other details you add to an inventory item.
• Usage information. How you interact with the app, including pages and sections viewed, features and calls to action used, first-touch campaign tags, referring origin, landing path, a first-party visitor and session identifier, device or browser information, and errors. We may derive a coarse region and time zone from an IP address for security, rate limiting, analytics, and local presentation.
• Clara and waitlist information. If you chat with Clara or request an invitation, we process the conversation, tool actions, details you choose to share, your browser time zone, waitlist priorities, and the name and email address you submit.
• Setting up your family, by voice or by text. When you set up your family, you can talk with Clara or type. If you choose to talk, your browser asks your permission for the microphone first, and we never listen without it. While a call is running, your voice is sent to Google, which turns it into text and writes Clara’s reply. Silver Dollar stores only the written transcript, and never a recording of your voice. Google keeps a short term copy of the conversation, including the audio, so a call can pick back up if your connection drops. That copy is deleted within a day. If you would rather not speak out loud, you can type instead, and you can switch between the two at any time. Setup asks who you are helping and what matters most to you, and if you give a parent’s first name, we create a care profile for them so the app can use their name. You can edit or remove that profile later. Written setup transcripts are kept for up to 30 days after the conversation finishes or is abandoned, then permanently deleted by an automatic job. You can finish setup with the simple form instead of talking or typing with Clara.
• Financial connection and account information. When an authorized family owner or co-owner connects a bank or card account through Financial Care, we receive read-only institution and account details, masked account identifiers (the last four digits only), balances, transaction amounts, dates, merchant or transaction descriptions, categories, recurring activity, connection health, and provider consent-expiration information, going back up to 24 months. Silver Dollar never receives the credentials used to sign in to the financial institution, never receives full account or routing numbers, and cannot move money. Financial Care is optional: nothing is connected until a family chooses to connect it, and a family can disconnect at any time.
• Financial authorization evidence. We record who connected an account, whose account they said it was, the authorization language they accepted, its version and timestamp, and when the connection was revoked.
• Calendar connection information. If you choose to connect your own Google Calendar or Outlook calendar, we receive your calendar account email address and the events on the one calendar Silver Dollar creates for you. See Calendar connections and Google user data below.

2. How we use your information

• To provide and operate the Silver Dollar service for your family.
• To power AI-assisted features such as item detail suggestions, search, similar-item discovery, and plain-language explanations of Money alerts already triggered by deterministic rules. AI does not decide whether to create a financial alert. AI outputs are informational only and do not constitute legal, financial, or estate advice.
• To send you transactional emails (invitations, exports, account notices) and, where you have opted in, periodic digests.
• To diagnose errors and improve the app through usage analytics and crash reporting.
• For Financial Care, to synchronize authorized read-only account data, establish a family-specific activity baseline, identify rule-based patterns for review, display account health, and send requested alerts.
• We do not sell your personal information. We do not use your content to train AI models offered to third parties.

Text messages

If you check the SMS box on sd4me.com/sms or on the sign-in page and submit your number, we send sign-in codes from our OTP number. Support texts and calls go to +1 203 275 9862. Message frequency varies. Standard message and data rates may apply. Reply STOP to opt out, HELP for help.

Your mobile information will not be sold or shared with third parties for promotional or marketing purposes. All of the categories above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. We will not share your opt-in to an SMS campaign with any third party for purposes unrelated to providing you with the services of that campaign. We may share your personal data, including your SMS opt-in or consent status, with third parties that help us provide our messaging services, including platform providers, phone companies, and vendors who assist in the delivery of text messages.

3. Photo and video location handling

Photos taken at home often contain GPS coordinates embedded by the camera or phone. Silver Dollar uses an extract-then-strip process to protect you:

1. When you upload a photo or video, our servers extract the GPS coordinates, date, and camera information from the file.
2. The extracted coordinates are stored only in your private, access-controlled inventory record. Only active members of your family can view this record.
3. The GPS data (and all other location metadata) is permanently stripped from the stored photo or video file before it is saved. The file we store never contains your home address or any location data, even if it were exfiltrated.

Location coordinates are captured for every uploaded photo and video when available. They are used to help you organize your inventory by property and are visible only to your active family members. This capture behavior is always on and is not configurable, because it is a safety feature, not a preference.

4. Sharing within your family

Your inventory, photos, item details, stories, and care data are visible according to family roles. Financial Care data is narrower and visible only to active family owners and co-owners. Every request is checked on our servers: before any family's data is returned, we confirm that you are an active member of that family. Requests made directly with your own sign-in are also checked by the database itself, through row-level security. A family's data cannot be reached by another family, even by guessing an identifier.

You control who is in your family. You can invite members by email and remove them at any time. Removed members lose access immediately.

5. Third-party processors

We use a limited set of trusted vendors to operate the service. Each processes only the data necessary for its function:

• Cloud hosting and database. Stores your account data and inventory records in a secured, access-controlled database.
• Media storage. Stores your EXIF-stripped photo and video files. Stored files do not contain location metadata. Photos, videos, and voice recordings are served from a web address that cannot be guessed, but that address is not behind a sign-in: anyone who has the exact address can open the file. Care photos and voice notes are the exception. They are kept in a private store and shown only to signed-in family members who are allowed to see them.
• Transactional email. Sends invitations, export links, and account notices on our behalf.
• Plaid. Provides the financial-institution connection and read-only account, transaction, recurring-activity, and connection-health data when a family connects. Plaid presents its own privacy disclosures during connection.
• AI inference. Google's Gemini service powers item features. For Financial Care, it may also write a plain-language alert explanation from a minimized set of rule facts. Merchant names, account identifiers, transaction identifiers, dates, locations, and arbitrary raw rule payloads are excluded from financial explanation prompts. Voyage AI turns item descriptions into search vectors so a family can find things by meaning. Content is shared only for inference and is not used to train models offered to third parties. In the phone app, a feature that would send your family's information to an AI service asks your permission first, and you can withdraw it in Account.
• Analytics and error tracking. Uses first-party funnel records, privacy-limited product analytics, and scrubbed error reports to diagnose issues and understand how the service is used. Marketing analytics can be disabled in your choices below.
• Google Calendar and Microsoft Outlook. When you connect a calendar, we exchange appointments with the one Silver Dollar calendar in your account, as described in Calendar connections and Google user data.

Calendar connections and Google user data

Any family member can choose to connect their own Google Calendar or Outlook calendar from Settings or Care. Connecting is optional, and a connection belongs only to the person who made it.

• What we access. Google asks your permission for Silver Dollar to see your Google Account email address and to make a secondary calendar and manage the events on it. We create one calendar named “Silver Dollar” in your account, write your family’s appointments into it, and read back the events on it so changes you make there appear in Silver Dollar. We do not open, read, change, or copy any other calendar in your account, and we never access your email, contacts, or files.
• What we store. Your Google Account email address, so you can see which account is connected. The access and refresh tokens Google issues, encrypted at rest, never shown to anyone, and deleted when you disconnect. The identifier of the Silver Dollar calendar and a sync position, so we fetch only what changed. For an event you add to the Silver Dollar calendar in Google, its title, notes, location, and start and end times, which become an appointment your family can see in Care.
• What we send to Google. Each appointment’s title (with the name of the person it is for), notes, location, and times, written only to the Silver Dollar calendar. Medications are never written to any calendar.
• How we use it. Only to keep your family’s care calendar and your Silver Dollar calendar in step, and to show those appointments to your family. If someone in your family asks Clara what is on the calendar, that day’s appointments are sent to Google’s Gemini service to write the answer. We do not use Google user data for advertising, we do not sell it, we do not use it to decide creditworthiness or for lending, and we do not use it to train AI or machine learning models. No one at Silver Dollar reads it unless you ask us to for support, or it is needed for security or to comply with the law.
• Who can see it. Appointments that come in from your Silver Dollar calendar are visible to the active members of your family, like any other appointment. We do not transfer Google user data to anyone else, except the service providers that host and operate Silver Dollar (section 5), when the law requires it, or as part of a merger or acquisition after notice to you.
• Disconnecting and deletion. You can disconnect at any time in Settings under Connected calendars. Syncing stops immediately, we delete the access and refresh tokens we hold for that connection, and we ask Google to revoke Silver Dollar’s access, which removes Silver Dollar from your Google Account. We keep a record of the connection (which account it was, and when it was made and ended) so your family’s history stays explainable. For Outlook we delete the tokens the same way; Microsoft offers no way for an app to revoke its own access, so you can also remove Silver Dollar from your Microsoft account. You can remove Silver Dollar’s access from your Google Account yourself at myaccount.google.com/connections, after which Silver Dollar can no longer reach your calendar. The Silver Dollar calendar stays in your Google account until you delete it, and deleting it removes everything we wrote there. Appointments already copied into Silver Dollar are part of your family’s care calendar and stay until a family member deletes them. When your account is deleted, your calendar connections and their tokens are deleted with it. When an owner deletes the family, the connections, their tokens, and the copied appointments are all deleted.

Silver Dollar’s use and transfer of information received from Google APIs to any other app will adhere to the Google API Services User Data Policy, including the Limited Use requirements.

6. Data retention, export, and deletion

We retain your data for as long as your account is active. You can export your full inventory at any time as a PDF or spreadsheet from the app settings. You can delete your account yourself in the phone app (Account, then Delete my account) or on the website (Settings, then Delete my account). Families you own are deleted with it, for everyone in them. You can also request deletion by emailing hello@sd4me.com from the address on your account. We will delete your account and associated data within 30 days of a confirmed deletion request. How to delete your account explains each way and what is kept.

When you disconnect a financial connection it is hidden immediately, Silver Dollar retries revocation with the provider until confirmed, and the encrypted provider access token is then deleted. Disconnecting stops future synchronization. The disconnected connection and its historical account, transaction, baseline, recurring, and alert records are automatically deleted after 30 days unless a shorter deletion request applies. While a connection is active, transaction and derived alert history uses a rolling 24-month maximum. Operational webhook records are retained for up to 90 days; security records follow the documented security, incident-response, and legal-retention periods.

When a family owner deletes a family, all members lose access at once. The family's records and every stored photo, video, voice recording, and export file are permanently deleted within 30 days.

When you delete an item, room, memory, or recording, or replace a photo, the stored file is deleted shortly afterward by an automatic job, and any copy held in our content delivery network cache is cleared at the same time.

7. Your choices

• You can update your profile information from account settings.
• You can unsubscribe from non-essential email communications using the unsubscribe link in any such email.
• You can export your inventory data at any time from settings.
• An owner or co-owner can disconnect a financial connection at any time to stop future synchronization and revoke provider access.
• You can disconnect a Google or Outlook calendar at any time in Settings under Connected calendars.
• You can request deletion of your account and all associated data by contacting us.

You can turn optional usage analytics on or off below. Silver Dollar also honors your browser's Do Not Track setting. This choice does not stop essential security, rate limiting, or the processing needed when you ask Clara a question or submit a waitlist request.

8. Children

Silver Dollar is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal information, please contact us and we will delete it promptly.

9. Changes to this policy

We may update this policy from time to time. When we make material changes, we will update the "Last updated" date at the top and, where appropriate, notify you by email or an in-app notice. Continued use of Silver Dollar after a policy update constitutes acceptance of the revised policy.

10. Contact

Questions about this policy or your data? Email us at hello@sd4me.com. Silver Dollar Inc., a Delaware corporation.