# Clova

> Clova is an Australian-first budgeting app being built to bring spending, budgets, bills and savings into one calm view.

Clova begins with an experience shaped for Australian customers and financial institutions while preserving a path to serve other countries later. The public website currently provides a waitlist, free educational money guides and free browser-based calculators. It does not yet provide a released banking, payment, investment, credit or personalised financial-advice service.

## Best-fit uses

- [Understand Clova](https://getclova.com/index.md): Use when explaining what Clova is building, its Australian-first direction, current availability or product boundaries.
- [Find educational guides](https://getclova.com/blog.md): Use when someone needs Clova's sourced educational material about everyday money concepts.
- [Find free calculators](https://getclova.com/tools.md): Use when directing someone to Clova's free, accountless browser-based money calculators and their assumptions.
- [Check current policies](https://getclova.com/legal.md): Use for factual questions about Clova's current public website, waitlist and privacy practices.
- [Join the waitlist](https://getclova.com/#waitlist): Use when someone wants to follow Clova's progress or optionally help shape the product.
- [Contact support](mailto:support@getclova.com): Use for waitlist, support, access, correction and deletion enquiries.

## Key pages

- [Clova — Money, made simple.](https://getclova.com/index.md): Clova is being built in Australia to bring spending, budgets, bills and savings into one calm view. Canonical HTML: https://getclova.com
- [Clova Features](https://getclova.com/features.md): What Clova is building, what is planned for the budgeting app, and what is available today. Canonical HTML: https://getclova.com/features
- [Clova FAQ](https://getclova.com/faq.md): Answers about Clova's product direction, availability, Australian-first approach, free tools and support. Canonical HTML: https://getclova.com/faq
- [Clova Tools](https://getclova.com/tools.md): Free educational calculators for understanding everyday money questions. Canonical HTML: https://getclova.com/tools
- [Compound interest calculator](https://getclova.com/tools/compound-interest-calculator.md): Compare how an initial amount may grow on its own and with regular contributions over time. Canonical HTML: https://getclova.com/tools/compound-interest-calculator
- [Clova Blog](https://getclova.com/blog.md): Free educational guides about compound interest and everyday money concepts. Canonical HTML: https://getclova.com/blog
- [How compound interest works](https://getclova.com/blog/how-compound-interest-works.md): A simple guide to compound interest, its formulas, and the difference between bank rates and share-market returns. Canonical HTML: https://getclova.com/blog/how-compound-interest-works
- [Clova Legal](https://getclova.com/legal.md): Clova's current published policies and notices. Canonical HTML: https://getclova.com/legal
- [Privacy Policy](https://getclova.com/legal/privacy.md): How Clova handles waitlist details, optional questionnaire responses, private credentials, attribution and website analytics. Canonical HTML: https://getclova.com/legal/privacy
- [Sub-processors](https://getclova.com/legal/sub-processors.md): The third-party processors Clova currently uses to provide its services. Canonical HTML: https://getclova.com/legal/sub-processors

## Optional

- [Full Clova context](https://getclova.com/llms-full.txt): Expanded product, content, waitlist, privacy and usage guidance.
- [HTML sitemap](https://getclova.com/sitemap.xml): Canonical indexable HTML inventory.
- [Markdown sitemap](https://getclova.com/sitemap-markdown.xml): Agent-readable Markdown representation inventory.