Privacy Policy
Your Money-App handles your data with care. This policy explains what we collect, why, and how to control it.
1. Information we collect
When you use Your Money-App we collect: your name and email address; an optional profile picture; transaction details (amount, recipient, note, timestamp, status); messages you send to friends; your friend list and friend requests; your device push notification token; and limited device and IP information used for security and fraud prevention. We do not collect contact lists, location, advertising identifiers, or browsing history.
2. How we use information
We use your information to operate Your Money-App, process payments and withdrawals, deliver in-app and push notifications, prevent fraud and abuse, respond to support requests, and meet our legal obligations. We do not use your data to build advertising profiles or train unrelated third-party models.
3. How we share information
We do not sell your personal data. We share data with vendors only to run the service: Stripe receives transaction details to process payments and payouts; Plaid receives the bank credentials you enter into Plaid Link to verify and link your bank account; our email provider receives your email address and message content for transactional emails such as verification and password reset; Apple Push Notification service and Google Firebase Cloud Messaging receive your push token and notification payload to deliver alerts; and Convex, our U.S.-hosted backend provider, stores all app data on our behalf. We may also disclose information when required by law.
4. Data retention
We keep your data for as long as your account is active. When you delete your account from Settings, we remove your profile, messages, and friend connections within thirty days. Some transaction records are retained for longer when required by financial-services laws or by our payment partners for record-keeping, tax, and anti-fraud purposes.
5. Security
Data is encrypted in transit using TLS and encrypted at rest by our backend provider. Authentication tokens on your device are stored in the operating system keychain through Apple Keychain or Android Keystore, and biometric or device PIN unlock protects sensitive actions such as payment confirmation. No system is perfectly secure, so please use a strong password and protect your device.
6. Your rights
You can review and edit your profile at any time, request a copy of your data by emailing privacy@yourmoney.app, and delete your account from Settings. You can disable non-transactional push notifications in Settings or in your device system settings. Transaction-critical notifications, such as payment confirmations, may continue while your account is active.
7. Children’s privacy
Your Money-App is intended for users aged 18 and older. The service is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us information, contact privacy@yourmoney.app and we will delete it.
8. Permissions we request
With your permission, Your Money-App uses your photo library to set a profile picture, Face ID, Touch ID, or Android biometrics to confirm payments, and push notifications to deliver transaction and message alerts. Each permission is requested by the operating system and can be revoked at any time from your device settings.
9. Changes to this policy
We may update this policy as our service evolves or as required by law. When we make material changes we will notify you in the app or by email and update the “Last updated” date above. Continued use of Your Money-App after notice means you accept the updated policy.
10. Contact
Questions, requests, or complaints about your privacy can be sent to privacy@yourmoney.app. We aim to respond within two business days.