The subscription you forgot about renews next Tuesday.

No. Clarity has no "send money" or "place trade" tool — not anywhere in the product. That's the architecture, not a setting. Plaid returns a read-only access token; crypto exchange connections use read-only API keys you create yourself. Even if an AI agent went off the rails, the worst it could do is read. Data is encrypted in transit (TLS 1.2+) and at rest (AES-256). Security overview.

Merchant fingerprinting plus amount cadence. The system catches monthlies, annuals, and weeklies — even when the amount shifts slightly (price increases, sales tax changes, currency variance). Subscriptions don't need to be exactly the same dollar amount to be detected.

Yes. When a recurring merchant raises the price, you get a notification with the old and new amounts and the increase as a percentage. Useful for catching the slow march from $9.99 to $14.99 to $18.99 most people never notice.

Yes. When a $0 charge from a known free-trial merchant flips to a real charge, Clarity flags it on detection — not at end-of-month. That's typically enough lead time to cancel if you forgot.

Yes. Annual renewals are tracked and surfaced 14 days before the expected renewal date so you have time to decide whether you still want it. Useful for the $99/yr ones that auto-renew before you remember you have them.

No. Clarity surfaces what's recurring and when — including the merchant's cancellation link when we have it — but cancellation stays with you. We don't want the responsibility of being between you and your provider on a dispute.