Privacy Policy

1. Overview

MoneySort is a personal finance application designed to help you track accounts, monitor transactions, create budgets and forecasts, manage lending, and split expenses with others. This Privacy Policy explains how we collect, use, store, and protect your information when you use MoneySort.

By creating an account or using MoneySort, you agree to the practices described in this Privacy Policy. If you do not agree, you should not use the application.

2. Information We Collect

We collect the following categories of data:

• Account information: Your name, email address, and password (stored in hashed form by our authentication provider).
• Profile and settings: Preferred currency, theme, language, notification preferences, and other app configuration choices.
• Financial and transaction data: Information you enter into the app such as accounts, balances, transactions, budgets, forecasts, lending records, “split & share” expense details, and related notes or categories.
• Contacts and split data: Names and contact details you provide for the purpose of splitting or sharing expenses.
• Usage information: Interactions with features (e.g., dashboards, reports), general usage patterns, and basic device or browser information used for security, performance, and analytics.
• Diagnostic and error data: Technical logs and error reports (for example, through services like Sentry) to help us monitor performance and fix issues.

3. How We Use Your Information

We use your information for the following purposes:

• To create and maintain your MoneySort account.
• To provide core functionality such as tracking accounts, transactions, budgets, forecasts, lending, and expense splitting.
• To personalize your experience (for example, currency, theme, and other settings).
• To provide summaries, reports, and analytics about your spending and financial activity.
• To secure the application, detect fraud or abuse, and maintain service reliability.
• To improve MoneySort by monitoring usage patterns, debugging errors, and planning new features.
• To communicate with you about your account, security, or important updates to the service.

4. Data Storage and Security

MoneySort uses Supabase as a primary backend and data storage provider. We implement technical and organizational measures to protect your information, including:

• Encryption: All money-related and financial information stored in Supabase is encrypted. Data is also transmitted over secure connections (HTTPS/TLS) when sent between your device and our services.
• Access controls: Access to production data is restricted to authorized processes and personnel who require it to operate and improve the service.
• Best practice storage: We rely on Supabase and other infrastructure providers to apply industry-standard security practices for databases, backups, and network protection.

No method of transmission or storage is completely secure, and we cannot guarantee absolute security, but we aim to use reasonable safeguards appropriate to the type of data we handle.

5. Third-Party Services

MoneySort may integrate with or rely on third-party services to operate the application, including but not limited to:

• Supabase for authentication, database, storage, and related infrastructure.
• Error monitoring and logging providers (for example, Sentry) to collect diagnostic information about application errors.
• Financial data connectivity and payment services (for example, Plaid, Dwolla, or similar providers) if and when you choose to connect bank accounts or payment instruments within MoneySort.

These third parties process your data on our behalf and are subject to their own privacy policies and contractual arrangements. Where applicable, we take steps to ensure that such providers handle your data in accordance with applicable data protection laws and this Privacy Policy.

6. Cookies and Similar Technologies

MoneySort may use cookies and similar technologies to maintain sessions, remember your preferences, and improve the performance and security of the application. You can usually control cookies through your browser settings, but disabling cookies may impact core functionality such as staying signed in.

7. Data Sharing and Disclosure

We do not sell your personal data or financial information. Limited sharing may occur in the following circumstances:

• Service providers: Third-party vendors who host infrastructure, provide analytics or error monitoring, or otherwise help us operate MoneySort.
• Legal and compliance: When required by law, court order, or government request, or when we believe disclosure is necessary to protect our rights, users, or the public.
• Business transfers: In connection with a merger, acquisition, or other change of control, your information may be transferred as part of the transaction, subject to ongoing protection obligations.

8. Data Retention

We retain your information for as long as your account is active or as needed to provide MoneySort and related services. We may also retain certain information for a longer period where we are required or permitted to do so by law, to resolve disputes, or to enforce our agreements. When data is no longer needed, we aim to delete or irreversibly anonymize it within a reasonable time.

9. Your Rights and Choices

Depending on your location and applicable law, you may have certain rights in relation to your personal data, including:

• Accessing a copy of the personal data we hold about you.
• Requesting that we correct inaccurate or incomplete data.
• Requesting deletion of your personal data, subject to legal and contractual limitations.
• Objecting to or restricting certain processing activities in specific circumstances.

To exercise these rights, you can use the in-app settings where available (for example, to change your profile, preferences, or account) or contact us using the contact details provided within the application or its official listing. We may need to verify your identity before responding to your request.

10. International Transfers

MoneySort may be operated from, and data may be processed in, countries other than your own. Where data is transferred across borders, we aim to ensure that appropriate safeguards are in place in accordance with applicable data protection laws.

11. Children's Privacy

MoneySort is not directed to children and is intended for use by adults. We do not knowingly collect personal data from children. If you believe that a child has provided us with personal information, please contact us so that we can take appropriate action, such as deletion of the data where required.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in the application, our practices, or legal requirements. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, provide additional notice within the app. Your continued use of MoneySort after any changes means that you accept the updated policy.

13. Contact

If you have questions about this Privacy Policy or how your data is handled in MoneySort, please use the contact or support details provided within the application or in the official app store listing where you obtained MoneySort.

14. Legal Disclaimer

This Privacy Policy is intended to describe our data practices in a clear and transparent way. It is not legal advice. Data protection and privacy laws can vary depending on your location, and you may wish to seek independent legal advice to understand how such laws apply to you.