Privacy Policy

1. Introduction

MyMoney AI ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial planning service ("Service").

By using our Service, you consent to the data practices described in this policy.

2. Information We Collect

2.1 Personal Information

We may collect the following personal information:

• Name and contact information (email address, phone number)
• Account credentials (username, encrypted passwords)
• Profile information (age, financial goals, risk tolerance)
• Payment information (processed securely through third-party providers)

2.2 Financial Information

With your explicit consent, we may collect:

• Bank account information and balances
• Investment account holdings and transactions
• Credit card and loan information
• Financial goals and retirement planning data
• Income and expense information

2.3 Usage Information

We automatically collect:

• Device information (IP address, browser type, operating system)
• Usage patterns and feature interactions
• Log files and analytics data
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information to:

• Provide and maintain our financial planning services
• Process transactions and manage your account
• Generate personalized financial analysis and recommendations
• Communicate with you about your account and our services
• Improve our Service and develop new features
• Comply with legal obligations and prevent fraud
• Send marketing communications (with your consent)

4. Third-Party Services

4.1 Plaid

We use Plaid Inc. to securely connect to your financial accounts. Plaid's services allow us to retrieve account information, balances, and transaction history. Please review Plaid's Privacy Policyfor information about how they handle your data.

4.2 Other Service Providers

We may share information with:

• Payment processors (Stripe) for subscription billing
• Cloud hosting providers (AWS, Google Cloud) for data storage
• Analytics providers (Google Analytics) for usage insights
• Email service providers for communications
• AI service providers for financial analysis features

5. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information. We may share your information only in the following circumstances:

• With your consent: When you explicitly authorize us to share information
• Service providers: With third parties who assist in operating our Service
• Legal requirements: When required by law, court order, or government request
• Business transfers: In connection with a merger, acquisition, or asset sale
• Safety and security: To protect rights, property, or safety of users

6. Data Security

We implement appropriate security measures to protect your information, including:

• Encryption of data in transit and at rest
• Secure authentication and access controls
• Regular security audits and monitoring
• Employee training on data protection
• Compliance with industry security standards

However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. Specifically:

• Account information: Until account deletion plus 7 years for legal compliance
• Financial data: Until you revoke access or delete your account
• Usage logs: Up to 2 years for analytics and security purposes
• Marketing data: Until you unsubscribe or opt out

8. Your Rights and Choices

You have the right to:

• Access: Request copies of your personal information
• Correct: Update or correct inaccurate information
• Delete: Request deletion of your personal information
• Restrict: Limit how we process your information
• Portability: Receive your data in a portable format
• Object: Opt out of certain processing activities
• Withdraw consent: Revoke previously given consent

To exercise these rights, please contact us at frank@acm.cash.

9. Cookies and Tracking

We use cookies and similar technologies to:

• Maintain your session and preferences
• Analyze usage patterns and improve our Service
• Provide personalized content and recommendations
• Enable social media features

You can control cookies through your browser settings, but disabling cookies may affect Service functionality.

10. International Data Transfers

Your information may be processed and stored in countries other than your own. We ensure appropriate safeguards are in place for international data transfers, including:

• Standard contractual clauses approved by relevant authorities
• Adequacy decisions by privacy regulators
• Other appropriate transfer mechanisms

11. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us immediately.

12. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information we collect and how it's used
• Right to delete personal information
• Right to opt out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your privacy rights

13. European Privacy Rights (GDPR)

If you are in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR), including those listed in Section 8 above. Our legal basis for processing your information includes:

• Contract performance (providing our services)
• Legitimate interests (improving our services, security)
• Consent (marketing communications, optional features)
• Legal obligations (compliance requirements)

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending an email notification to registered users
• Providing in-app notifications

Your continued use of the Service after changes become effective constitutes acceptance of the updated policy.

15. Contact Information

If you have questions about this Privacy Policy or our privacy practices, please contact us: