What we are. What we're not. How we make money. What we'll never do.
The whole point of Onesta is honesty. This page is where we say plainly what Onesta is, what it isn't, how we plan to make money, and what we'll never do. If any of these commitments change, we'll update this page before the change takes effect — and we'll note the date below.
What Onesta is
Onesta is a household financial CFO. You enter your numbers — what you owe, what you earn, what you're paying. Claro, the AI inside Onesta, looks at the full picture and tells you the same thing a smart friend with a finance background would tell you over coffee.
Where you're leaking money. What's actually fixable. The one move that would matter most this month.
What Onesta is not
Onesta isn't a licensed financial advisor, a tax professional, a credit counselor, or a lawyer. Claro is an AI built to help you see your own numbers clearly — not to replace a human professional you'd hire for something serious.
If you're facing bankruptcy, divorce, a business decision, an estate question, or anything where a wrong move costs you real money — please talk to a licensed professional. Claro can give you a clear picture of the numbers. A professional should help you decide what to do with that picture.
How Claro actually works
Claro uses only the numbers you enter on this page. It doesn't connect to your bank accounts, pull your credit report, or see your transaction history. It doesn't make loans, originate credit, approve or deny applications, or take any action on your behalf. Its outputs are estimates based on the information you give it in that moment. When account features arrive later, they'll be clearly labeled and will require your explicit opt-in — never automatic.
How we make money
Right now, we don't. Onesta is free during this beta because we're learning what households actually need.
When we do start charging, two things will happen.
First, a paid tier — likely around $15/month — for households that want Claro to keep watching their numbers over time, alert them when rates shift, and dig deeper into their finances.
Second, referral fees from partners. When Claro shows you a specific option, we'll display — in dollars or as a clear percentage — exactly what Onesta receives if you proceed. We rank and recommend based on estimated net benefit to you after any fee we receive. If a materially better option for you pays us nothing, we'll still show it. We'll publish the full current list of partners and our exact compensation from each on this page, updated every quarter. We won't accept payment to suppress or deprioritize better options.
What we will never do
- Sell, rent, or share your identifiable financial data with advertisers, data brokers, or any third party for marketing purposes. We may use aggregated, anonymized data internally to make Claro better — never identifiable data, and never for sale.
- Push you toward a product because it pays us more than another option would.
- Hide a fee in fine print, a footnote, or a click-through agreement.
- Pretend to be neutral while being anything but.
What happens to your numbers
Today, the numbers you enter into Claro stay on the page. We don't store them. We don't link them to you. We don't share them.
When account features arrive and you opt in to have Claro watch your finances over time, that changes — you'll have an account, your data will be stored securely so Claro can do its job, and you'll be able to delete everything at any time. We'll be specific about what we collect, why we collect it, and how long we keep it. None of it will be sold.
Our commitments if we ever fall short
Saying we'll never sell your data is easy. Putting structure behind it is the part that matters. Two commitments — and our plan to make them binding.
If your data is ever sold, shared improperly, or accessed without authorization, we'll contact you directly using the email on file within 72 hours of discovery. We'll tell you what happened, what was affected, and what we're doing about it. We won't wait for a regulator to require us to.
If Onesta is ever acquired by another company, we'll require the new owner to commit in writing to honoring everything on this page — or we'll notify you 90 days before the change takes effect so you can export and delete your data first. You won't wake up one morning to find your data is now governed by someone else's rules.
Today these are our operating principles, and we'll act on them. When our paid tier and terms of service launch, both will be formalized as binding commitments in writing. This page is our commitment in plain English until then.
Who built this
Onesta was started in 2026 by a founder with 25 years in consumer banking and financial technology. The name is the Italian word for honesty. That's not a marketing line — it's the standard we hold ourselves to. If we ever fall short of it, please tell us.
Questions, concerns, or anything that doesn't feel right
Email us at hello@getonesta.com. Right now, that's the founder reading every message personally. As we grow, we'll make sure messages still reach a real human — not a chatbot loop.
If you ever feel Onesta hasn't lived up to what we say on this page, that's the most important kind of feedback we can get.
Last updated June 2026. We'll note any changes here.