Last updated: March 22, 2026

Privacy Policy

The short version: we process your document to generate your analysis, and then we delete it. We don't store your Closing Disclosure, your name, or anything about you. There are no accounts, no tracking cookies, and no data sold to anyone.

1. What We Collect

When you upload a Closing Disclosure, we receive the contents of that PDF file temporarily in memory. This is the only data that ever reaches our servers.

We do not collect:

Your name, address, or any personally identifiable information
Account credentials — there are no accounts
Payment card details — these are handled entirely by Lemon Squeezy
Cookies used for tracking or analytics
IP addresses stored beyond the duration of a single request
Any usage analytics or behavioral data (for this version of the product)

2. How Your Document Is Processed

Your document moves through the following steps, entirely in memory:

1
Secure upload
Your PDF is transmitted over HTTPS. It is never written to any disk, file system, or database at any point.
2
Text extraction
Text is extracted from the PDF in memory using a server-side parser. The original PDF buffer is then discarded.
3
PII stripping
Before any data is sent to an AI model, our system automatically removes personally identifiable information — names, Social Security numbers, addresses, phone numbers, and other labeled fields — leaving only fee names, dollar amounts, and loan terms.
4
AI analysis
The anonymized fee data is sent to Anthropic's API for analysis. No personal information is included in this request.
5
Results returned and deleted
Your analysis results are returned directly to your browser. No data from your document — original or processed — is retained on our servers after the response is sent.

3. Third-Party Services

Anthropic (AI Analysis)

We use Anthropic's commercial API to perform fee analysis. We send only anonymized fee amounts and loan terms — no personal information. Anthropic's commercial tier contractually prohibits using customer data to train AI models. Your document contents are never used to improve Anthropic's models. See Anthropic's Privacy Policy.

Lemon Squeezy (Payment Processing)

Payments are handled entirely by Lemon Squeezy. ClosingDay never sees or stores your payment card details. Lemon Squeezy collects only the information necessary to process your transaction. See Lemon Squeezy's Privacy Policy.

4. Data Retention

We retain nothing. Your uploaded document is not stored on any server. Your analysis results are not saved server-side. Once your browser session ends, no record of your document or analysis exists on our infrastructure.

Your analysis results are temporarily stored in your browser's localStorage for up to 2 hours so you can review them without re-uploading. This storage exists only on your device and is never transmitted back to our servers.

5. Data Sharing

We do not sell, rent, share, or distribute any user data to any third party, except as described in Section 3 (Anthropic for analysis, Lemon Squeezy for payment). We have no advertising relationships and no data broker arrangements.

6. California Residents (CCPA)

Under the California Consumer Privacy Act (CCPA), California residents have the right to know what personal information is collected, to request deletion, and to opt out of the sale of personal information.

Because ClosingDay does not collect or retain personal information, does not create user profiles, and does not sell data, most CCPA rights are satisfied by our architecture by default. If you have questions or requests, contact us at the address below.

7. Changes to This Policy

If we make material changes to this policy, we will update the "Last updated" date at the top of this page. We encourage you to review this page periodically. Continued use of the service after changes constitutes acceptance of the revised policy.

8. Contact

Questions about this Privacy Policy? Email us at privacy@closingday.com.