bulb Privacy Policy

Last updated: October 2026

bulb is a money assistant from LightHouse Wealth Partners ("we"). This policy explains what bulb reads, how it uses it, where it is kept, and your choices.

What bulb reads, with your permission

• Gmail (read-only): bulb reads your email to find money emails: receipts, bills, statements, renewal and price notices, refunds, claims and deadlines. It skips personal email.
• Gmail (drafts and sending): only when you ask bulb to write an email for you, such as a cancellation request. bulb sends it only after you reply "ok" to that exact email.
• Bank, card and brokerage accounts: through Plaid, the balances, transactions and holdings you choose to connect.
• Your messages to bulb and your phone number.

How bulb uses it

Only to provide bulb's features to you: finding subscriptions, refunds, bills and deadlines; following them until they are done; answering your questions; and writing the emails you approve. We do not sell your data, use it for advertising, or build profiles for anyone else.

Where it is kept

In an encrypted database on the computer that runs bulb for your household. Keys are kept in that computer's Keychain. We do not keep a copy on our servers. In a two-person household, the owner of that computer can see both people's data; bulb tells each person this when they connect.

Who else processes it

• AI model provider: to understand emails and write answers, bulb sends parts of email text and your question to an AI model through OpenRouter. Account numbers and names are removed first. Every request requires zero data retention: the provider may not store it or use it for training.
• Plaid (bank connections), Google (Gmail), Apple and Sendblue (text messages): each only for its own part of the service.

We share data otherwise only when the law requires it.

Google user data

bulb's use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements. In particular:

• Gmail data is used only to provide or improve bulb's user-facing features.
• It is never used for advertising, never sold, and never transferred except to provide those features, for security, or to comply with the law.
• No person reads your email unless you ask us to, it is needed for security, or the law requires it.
• Gmail data is never used to develop, improve or train generalized AI or machine-learning models.

Your choices

• Disconnect Gmail at any time by texting bulb "disconnect gmail", or at myaccount.google.com/permissions.
• Delete everything bulb holds about you by texting bulb "delete my data". This removes your data and access tokens from the computer that runs bulb.

Security

Encrypted storage, keys in the Keychain, local pages that only the computer itself can open, and a log of every time data leaves the computer.

Children

bulb is for adults 18 and older.

Changes and contact

We will post changes here and tell you by text if they matter. Questions: estelle@lighthouseinvest.io.