Privacy Policy
Last updated: July 20, 2026 · Avidity Capital Inc., a California-registered investment adviser.
Avidity Capital Inc. (“Avidity,” “we”) operates the Avidity Journey app for its advisory clients and for individuals who use our free planning tools, including active-duty service members, California educators, California safety members, and other employees. This policy explains what we collect, how we use it, and how we protect it.
Information we collect
Account and contact details: name, email, and mobile number. Planning information you provide: income or salary, employment and benefit details (for example military paygrade and service dates, or pension-system membership and service credit such as CalSTRS, CalPERS, or TSP), household members, budgets, goals, account balances, and property information. Documents you choose to upload: for example pay statements, account statements, or tax documents, stored in your private document vault. Linked-account data: where you choose to connect accounts, read-only account information via our bank-linking provider (Plaid): balances and, where you enable those features, transactions, investment holdings, and loan balances. Usage information: we use first-party analytics (pages visited and an anonymous browser identifier) to understand how the app is used. We do not use third-party advertising trackers or ad networks.
We collect only what is needed to provide financial-planning services.
How we use it
To power your planning calculations and reality checks, to build and maintain your financial plan, to provide advisory services through your assigned fiduciary adviser, to communicate with you about your account and service (including email and, only if you opt in, text messages), and to meet our legal and regulatory recordkeeping obligations as a registered investment adviser.
AI-assisted features
Some features, such as the in-app planning assistant and document data extraction, are powered by an AI service provider processing your inputs to generate the feature’s output. These providers operate under contractual confidentiality and security obligations and may process your information only to provide the service to us. Assistant conversations are retained as part of our advisory records where required by regulation.
Text messaging & mobile information
If you opt in to text messages, we use your mobile number only to send the service and account notifications described in our SMS Terms. Message frequency varies (about 1–4 messages per month). Message and data rates may apply. Reply STOP to opt out or HELP for help. We do not sell your personal information, and we do not share mobile information with third parties or affiliates for their own marketing purposes. No mobile information is shared with third parties for marketing under any circumstances. Text messaging originator opt-in data and consent are not shared with any third parties or affiliates for any purpose.
Service providers
We share data with service providers only as needed to operate the service, under contractual confidentiality and security obligations. Categories include hosting and infrastructure (Vercel, Supabase), bank linking (Plaid), email delivery (Resend), text messaging (Twilio), payment processing (Stripe), video meetings (Zoom), AI processing (Anthropic), and property-value estimates (RentCast). We do not sell your personal information to anyone. The above excludes text messaging originator opt-in data and consent; this information will not be shared with any third parties.
How we protect it
Data is encrypted in transit (TLS) and at rest. Access is restricted with per-user database isolation, and connected-account tokens are additionally encrypted at the application layer. Household sharing (for example with a spouse you invite) is limited to planning data and never includes your private document vault or your individual regulatory acknowledgments.
Retention
As a registered investment adviser we are required to retain certain books and records, including advisory communications, for periods set by regulation. We retain personal information for as long as needed to provide the service and to meet those obligations.
Your choices & contact
You can opt out of texts anytime by replying STOP, and non-essential emails include an unsubscribe path. For questions about this policy or your data, or to request access to or deletion of information we hold about you (subject to our regulatory retention obligations), contact support@avidityjourney.com.