Privacy Policy

1. Introduction

MoneyFun ("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 budgeting application and related services.

Please read this privacy policy carefully. By using MoneyFun, you consent to the data practices described in this policy.

2. Information We Collect

Personal Information

• Name and email address when you create an account
• Profile information you choose to provide
• Payment information when you subscribe to premium features

Financial Information

• Bank account information when you connect accounts via Plaid
• Transaction history and account balances
• Budget categories and spending patterns
• Bills and recurring payment information

Usage Information

• Device information and browser type
• IP address and approximate location
• Usage patterns and feature interactions
• Cookies and similar tracking technologies

3. How We Use Your Information

• Provide and improve our budgeting services
• Sync your bank accounts and transactions
• Categorize transactions using AI technology
• Generate personalized budget recommendations
• Send notifications about bills, spending alerts, and account activity
• Process subscription payments
• Respond to your inquiries and support requests
• Analyze usage patterns to improve our services
• Comply with legal obligations

4. Third-Party Services

We use the following third-party services:

• Plaid: To securely connect your bank accounts and retrieve transaction data
• Stripe: To process subscription payments
• OpenAI: For AI-powered transaction categorization and insights
• AWS: For secure cloud infrastructure and storage
• Resend: To send transactional emails

These services have their own privacy policies, and we encourage you to review them.

5. Data Security

We implement industry-standard security measures to protect your data:

• Encryption in transit (TLS/SSL) and at rest
• Secure authentication with hashed passwords
• Regular security audits and penetration testing
• Access controls and employee training
• Bank-level security for financial data connections via Plaid

6. Data Retention

We retain your data for as long as your account is active or as needed to provide services. You can request deletion of your account and associated data at any time through the Settings page or by contacting us.

7. Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate data
• Delete your account and data
• Export your data in a portable format
• Opt out of marketing communications
• Disconnect bank accounts at any time

8. Cookies

We use essential cookies to maintain your session and preferences. We may also use analytics cookies to understand how you use our service. You can manage cookie preferences through your browser settings.

9. Children's Privacy

MoneyFun is not intended for users under 18 years of age. We do not knowingly collect information from children under 18.

10. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of material changes by email or through the application. Your continued use of MoneyFun after changes constitutes acceptance of the updated policy.