Protected obligations
Housing, core utilities, insurance, debt minimums, taxes, healthcare, childcare, and required transportation are protected by default. Pause should not recommend simply stopping these obligations.
Built for safer decisions
Pause protects the things that matter first.
Saving money should not create a more expensive problem later. Pause uses hard safety rules alongside its scoring system.
A blocked payment is not a canceled obligation
Preventing a charge does not necessarily end a contract, debt, membership, or other obligation. Pause treats payment control and obligation management as different things.
Safety beats the savings target
If Pause cannot safely reach your requested target, it says so rather than recommending risky actions.
Uncertainty becomes review
When Pause lacks enough information about an expense or merchant, it routes the item to REVIEW instead of pretending certainty.
You remain in control
You can mark items Must Keep, reject recommendations, choose alternate eligible actions, and recalculate your plan.
Privacy in Pause v0
The current validation build is intentionally limited:
- No bank credentials
- No SSNs
- No card numbers
- No account linking
- No analytics or telemetry collecting raw financial inputs
- Financial information remains session-scoped in the browser
- Clear Session Data removes the stored session information
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