1. Introduction

My Money Analytics (“we”, “our”, “us”) provides financial wellness tools that help you understand and manage your money. We are committed to protecting your privacy and handling your personal information responsibly, in compliance with applicable financial data regulations, including the Gramm–Leach–Bliley Act (GLBA), CCPA/CPRA, and other relevant U.S. state privacy laws.

2. Information We Collect

We collect the following categories of information:

• Personal Information: Name, email address, profile details.
• User-Provided Financial Data: Budget details, income, expenses, savings goals, debts, and any data you manually input.
• Financial Institution Data (via Plaid or similar integrations): Transaction history, account balances, institution names, account types, and similar read-only financial data. Your login credentials are never shared with us.
• Technical Data: IP address, browser type, device information, and usage logs for security and performance.
• Communications: Support messages, feedback, and email correspondence.

3. How We Use Your Information

We use your information only for legitimate and disclosed purposes, including:

• Providing core app functionality and tools
• Generating budgeting insights, analytics, and financial trends
• Personalizing your financial views and recommendations
• Maintaining security, fraud prevention, and account integrity
• Responding to support inquiries
• Improving our platform experience

We do not sell, rent, or share your personal or financial data for advertising or marketing purposes.

4. Protection of Financial Information

We apply industry-standard safeguards in line with GLBA Safeguards Rulerequirements. These include:

• Bank-level encryption for data in transit and at rest
• Strict access controls and audit logging
• Least-privilege data design (only accessing what is necessary)
• Secure third-party integrations with contractual data-protection requirements

Although we take strong measures, no system is fully immune from security risks. We encourage you to use strong passwords and enable MFA where available.

5. When We Share Information

We only share information under the following limited circumstances:

• Service Providers: Payment processors (e.g., Stripe), infrastructure providers, analytics tools, and communication vendors — all bound by strict confidentiality agreements.
• Financial Data Providers: When connecting accounts, your financial institution data is transmitted securely through Plaid or similar providers, subject to their respective privacy policies.
• Legal Requirements: Government, regulatory, or law-enforcement requests when required by applicable laws.
• Protection of Our Services: Detecting fraud, preventing security incidents, or enforcing our Terms of Use.

6. Your Privacy Rights

Depending on your location, you may have the right to:

• Access a copy of your personal data
• Request corrections to inaccurate data
• Request deletion of your information
• Export your data (“data portability”)
• Opt out of certain processing where applicable

To exercise these rights, contact us at support@mymoneyanalytics.com.

7. Data Retention

We retain your information for as long as your account is active. When you request deletion, we delete or anonymize your data unless we are legally required to retain certain records (e.g., fraud prevention, compliance obligations).

8. Cookies & Analytics

We use cookies and analytics tools to maintain security, improve product performance, and personalize your experience. You may disable cookies in your browser settings.

9. Children's Privacy

Our services are intended for users 18 and older. We do not knowingly collect information from minors. If we become aware of such data, it will be deleted.

10. Changes to This Privacy Policy

We may update this policy to reflect changes in our practices or legal requirements. When updated, the “Last updated” date above will change. Continued use of the service indicates your acceptance of the latest version.

11. Contact Us

You may contact us with privacy questions or requests at support@mymoneyanalytics.com.