MoneyHome is a personal finance app built on one principle: your financial data is yours, not ours to monetise. This policy covers the MoneyHome website, waitlist, and app.
What we collect
- Account data. The email address you sign in with, and the display name/photo Google shares if you sign in with Google.
- The financial data you put in. Accounts, transactions, categories, payees, budgets, and scheduled transactions — whatever you type in by hand or bring in via CSV import. We never fetch this from your bank; you control every row.
- AI chat messages. The questions you ask MoneyHome's assistant, and the summary of your ledger data used to answer them (see "AI features" below).
- Waitlist signups. If you join the early-access list before launch, we store your email, which pricing plan you clicked (if any), and, where present, campaign attribution (UTM parameters and referring page) so we know which link brought you here. See "Waitlist data" below.
- Basic technical data. Standard things any web server sees (IP address, browser type) in server logs, and a session cookie that keeps you signed in.
What we never collect
We never ask for, store, or touch your bank login credentials. MoneyHome does not connect to your bank. You add transactions by hand or import a CSV file — there is no screen-scraping, no bank API, no third-party account-linking service in the loop.
We also don't run ad networks or ad trackers on the app or this site, and we don't sell, rent, or share your data with third parties for advertising or any other purpose. Your spending is not the product.
Where it lives
Your account and financial data is stored in Supabase, a hosted database provider. Every table enforces row-level security scoped to your own account (auth.uid()), meaning the database itself blocks any user from reading another user's rows — it isn't just an app-layer convention. You sign in with Google OAuth or an email magic link; either way, authentication is handled by Supabase Auth, and we never see or store a password.
AI features
When you ask MoneyHome's built-in assistant a question, the app sends a summary of the relevant parts of your ledger (e.g. matching transactions, balances) along with your question to an AI provider so it can generate an answer. By default, that provider is Google's Gemini API, called from our server using our own API key — your message and the data needed to answer it pass through our server to Google's API and back, and are not sold, used for third-party advertising, or (per Google's API terms) used to train Google's consumer models.
You can also bring your own API key for Gemini, OpenAI, Anthropic, OpenRouter, or DeepSeek. Your key is stored only in your browser (local storage) on your own device — it is never saved on our servers or in our database. It travels with each chat request solely so we can route the call to your provider, and with your own key in use, your questions and ledger summaries go to your provider account under your agreement with that provider, not ours.
Your rights
- Export. From Settings, you can export all of your transactions to a CSV file at any time. What you see in the app is what you get in the file.
- Delete. From Settings, "Delete All Data" permanently removes all of your accounts, transactions, scheduled transactions, and import history. This cannot be undone, and we don't retain a hidden copy afterward. If you'd like your account itself closed as well, email us (see Contact below) and we'll take care of it.
- Access and correction. Since you enter and edit your own data directly in the app, you already have full, real-time access to correct or remove anything, without waiting on us.
Waitlist data
Joining the early-access waitlist stores your email, the plan you clicked (if any), and campaign attribution (UTM parameters, referring page) in a dedicated waitlist table. That table only accepts new entries from the website — it cannot be read, edited, or exported by the public, only by us. We use it solely to notify you when MoneyHome opens up and to honor any founder pricing tied to your signup. We don't sell or share the waitlist. Local browser storage (see below) remembers your campaign source and which pricing option you viewed so a return visit doesn't lose that context before you sign up.
Cookies and local storage
We keep this to the minimum needed to run the product — nothing here is used for ad targeting or cross-site tracking:
- Session cookie. Keeps you signed in to the app between visits (set by Supabase Auth).
- Local storage. On the website, we remember campaign attribution (UTM/referrer) and, before launch, which pricing option a visitor is shown, purely so the experience is consistent across a visit. In the app, local storage holds interface preferences (things like your last-used view or theme) and, if you use your own AI API key, that key (see "AI features" above).
Changes to this policy
If we materially change what we collect or how we use it, we'll update this page and change the "Last updated" date above. For material changes, we'll also try to notify signed-in users directly (e.g. in-app notice or email).
Contact
Questions about this policy or your data? Email privacy@moneyhome.app.