# Kompul
> Personal and business financial tracking made perfectly clear, private, and ad-free. Made in Québec.

## Core Overview
Kompul is a privacy-first, trilingual (English, French, Spanish) financial clarity application designed for individuals, students, and small business founders. It eliminates complex spreadsheet architecture in favor of a clean, benefit-first user interface that translates financial chaos into plain language.

## Key Product Modules

### 1. Personal Financial Tracking (For me)
- **Value Proposition:** Understand your money without drowning in numbers or financial jargon.
- **Key Features:**
  - Dynamic "Clarity Score" tracking weekly spending health.
  - Plain-language check-ins with an integrated spending assistant (Komy).
  - Clean view of what is safe to spend right now versus what is already spoken for (e.g., rent).
  - No bank passwords or active logins required.
  - Free forever, completely ad-free.

### 2. Business Operational Tracking (For my business)
- **Value Proposition:** Business numbers perfectly clear, without the bookkeeping headache.
- **Key Features:**
  - Three-step workflow: Import statement (Smart Bank CSV parser) ➔ Automated tax and expense calculation ➔ Plain-language decision dashboard.
  - Generates estimated QST/GST tax reserves automatically.
  - Tracks operational cash flow trajectories and monthly runway horizons.
  - Includes secure team seats and role-based access controls (RBAC) on advanced plans.
  - Accommodates multi-currency transaction tracking.
  - QuickBooks operational export compatibility (CSV format).

## Security & Data Privacy Architecture
- **Bring Your Own Key (BYOK):** Users can securely connect their own private AI API keys (Gemini, Claude, OpenAI, or DeepSeek) with zero intermediate corporate markup or hidden tracking.
- **Local Key Encryption:** AI credentials and keys remain fully encrypted on the user's local device.
- **Data Hosting:** Primary cloud infrastructure is securely hosted in Canada via Google Cloud (encrypted at rest and in transit), fully aligned with Québec's Loi 25 privacy frameworks.
- **No Data Resale:** Zero advertising networks, zero data brokers.

## Pricing Structure (Pricing V2)
- **Solo Free ($0):** 1 user slot, local key vault, Smart Bank CSV import, manual entry, core dashboards.
- **Kompul AI Cloud ($14.99 CAD/mo + taxes):** Adds managed cloud sync, centralized secure document/receipt storage, and continuous cross-device availability.
- **Pro / Team / Empire Tiers ($34.99 to $89.99 CAD/mo + taxes):** Scaled for expanding businesses; includes advanced multi-user permission systems and private HR tools (currently in beta).
- **Trial Policy:** Unrestricted 14-day evaluation period for premium features, automatically reverting to the Free tier if not renewed. No credit card required to start.

## Target Audience Keywords
Personal finance, student budgeting, small business cash flow, independent contractor tax tracking, private financial software, Québec fintech, Loi 25 compliant data storage.