Privacy Policy

At MoneyWealth AI, we believe your personal financial records represent your most sensitive digital information. This Privacy Policy details the exact types of data we collect, why we collect it, how our systems protect your privacy, and the complete control you maintain over your financial history.

1. Our Core Privacy Principle: Zero Data Selling

We never sell, rent, monetize, or broker your personal information or transaction history to third parties. Unlike free legacy budgeting apps that sell user purchase trends to hedge funds or advertisers, MoneyWealth AI operates strictly as a subscription software tool built exclusively to serve our users.

2. What Information We Collect

To provide accurate zero-based budgeting, debt modeling, and Advice AI guidance, we collect:

• Account Registration Details: Your email address, encrypted authentication tokens, and user profile preferences.
• Read-Only Financial Data via Plaid: Account names, historical and live balances, categorized transaction records, and institution identifiers retrieved via secure API tokens through Plaid Technologies, Inc. We never view or store your banking login credentials or PINs.
• User-Generated Financial Configurations: Custom budget envelope limits, debt snowball payoff priorities, emergency savings targets, and tagged transaction notes.
• Technical Telemetry: Anonymized log events, device operating system version, and general error telemetry used strictly to diagnose crashes and maintain application uptime.

3. How Advice AI Handles Your Financial Information

When you submit questions to Advice AI, the system processes your query within a strictly isolated, user-specific execution boundary. Your prompt and verified transaction ledger are evaluated in real time to calculate mathematical answers and ledger citations. We enforce strict contractual safeguards with our inference providers:

• Your financial prompts and account ledgers are never utilized to train, fine-tune, or improve public foundation models.
• Inference sessions operate under strict zero-data-retention (ZDR) covenants.
• Cross-tenant data leakage is prevented via cryptographically isolated database row-level security (RLS).

4. Third-Party Service Providers

We collaborate with a limited group of SOC-2 certified infrastructure vendors who process data strictly under our contractual direction:

• Plaid Technologies: For encrypted financial institution authentication and ledger synchronization.
• Cloud Infrastructure Providers: For encrypted database hosting and computational microservices.
• Transactional Email Services: For account verification notices and security login alerts.

5. Enterprise Security Standards

All financial records and API access tokens are encrypted at rest using industry-standard AES-256 encryption. Communications between your browser and our servers are encrypted in transit using TLS 1.3. We conduct continuous vulnerability scanning and enforce multi-factor administrative authentication across our cloud infrastructure.

6. Your Data Rights: Export & Complete Deletion

You retain complete ownership over your financial records. Through your account settings dashboard, you may download a full machine-readable export of your budget ledgers at any time. If you decide to close your account, requesting deletion immediately purges your profile, removes stored financial snapshots, and permanently revokes all Plaid access tokens with your financial institutions.

7. Privacy Office Contact

For inquiries regarding our privacy standards or to exercise your statutory rights under CCPA or GDPR, please contact our Data Protection Officer at: privacy@moneywealth.ai or by mail at ZenAI Automation / MoneyWealth AI Privacy Desk, Fairfax, VA 22041, United States.