Privacy Policy & Terms

Smart Deductions is engineered so that your financial data never leaves your device. When you upload a PDF bank statement or ZIP archive, your browser's built-in compute processes it entirely in local memory using pdfjs-dist and PapaParse — two open-source, client-side parsing libraries.

Transaction categorization is performed using a deterministic, hardcoded JavaScript rules engine running in your browser. There are no API calls, no cloud functions, and no external AI services involved at any point in the data pipeline.

• Your bank account numbers, routing numbers, or financial institution data
• Individual transaction amounts, descriptions, or merchant names
• Uploaded PDF files or CSV exports — these are processed in-memory and never transmitted
• Your name, email, or any personally identifiable information
• IP address or device fingerprinting tied to financial session data

This application may use privacy-respecting, aggregate analytics (e.g., page view counts) to understand general usage patterns. These analytics are entirely separate from your financial session. No financial data, file metadata, or transaction content is ever included in any analytics event.

We do not use advertising cookies, cross-site tracking pixels, or third-party data brokers.

All parsed transaction data exists solely in your browser's JavaScript runtime memory (useState / useReducer). This memory is:

• Never written to localStorage, sessionStorage, or IndexedDB
• Never transmitted to any remote server, API endpoint, or cloud storage
• Permanently and irrecoverably deleted when you close or refresh the browser tab

Smart Deductions is provided as a productivity tool to assist with personal expense organization and tax preparation workflows. It does not constitute financial, tax, or legal advice. The estimated deductibility classifications are heuristic guides — consult a qualified CPA or tax professional for authoritative guidance.

By using this application you acknowledge that you are solely responsible for the accuracy of your tax filings. Smart Deductions LLC accepts no liability arising from the use of categorization outputs in formal tax documents.

This tool is offered free of charge for personal and small-business use. Commercial redistribution or resale is prohibited without written permission.