Privacy Policy
This policy explains what personal information MyMoneyMate collects, why we collect it, how we use it, and what rights you have over it. We've written it in plain language because we think you deserve to understand it.
Effective date: 23 May 2026
Who we are
MyMoneyMate is a personal finance application built and operated as an independent product. When this policy refers to “we”, “us”, or “MyMoneyMate”, it means the people responsible for operating this application.
We are based in Australia and this policy is written with Australian Privacy Law in mind, specifically the Privacy Act 1988 and the Australian Privacy Principles (APPs).
What we collect
We collect only what we need to provide the service. Specifically:
- Account information — your email address, used for authentication, password resets, and the weekly digest if you opt in.
- Profile information — your display name, base currency, and timezone, which you provide when setting up your profile.
- Financial data you enter — account balances, transaction amounts, categories, tags, notes, and net worth history. This is the core of what the app stores on your behalf.
- Usage data — basic technical information such as the time of your sign-ins, your approximate location by country, and the device type and browser you use. This is collected to power the sign-in activity log visible in your settings.
We do not collect your bank credentials. We do not link directly to your bank accounts. Every number in MyMoneyMate is one you entered yourself.
Why we collect it
We use the information we collect for these purposes only:
- To provide the core service — storing and displaying your financial data
- To authenticate you and keep your account secure
- To send you transactional emails — password resets, and the weekly digest if you have opted in
- To generate AI insights from anonymised summaries of your financial data (see the AI features section below)
- To show you your sign-in activity so you can verify your account has not been accessed without your knowledge
We do not use your data for advertising. We do not build profiles for marketing purposes. We do not sell, rent, or share your data with third parties for their own commercial use.
The AI features — exactly what gets shared
When MyMoneyMate generates financial insights for you, a small anonymised summary is sent to an AI model. No raw financial data, no identifying information, and no transaction details are included.
For a detailed breakdown of exactly what is and is not sent to the AI, see our Security page. You can also verify this yourself inside the app — every AI insight card includes a “What did we share with AI?” panel showing the exact anonymised context used.
Who we share your data with
We share the minimum necessary information with the following infrastructure providers who help us operate the service:
| Provider | What they receive |
|---|---|
| Supabase | Your full financial data — they host the database |
| Vercel | Request metadata — they host the application |
| Resend | Your email address — to send transactional emails |
| AI provider | Anonymised financial summaries only — no identifying information |
We do not share your data with advertisers, data brokers, financial product companies, or anyone else. That list above is the complete picture.
How we store and protect your data
Your data is stored in a managed PostgreSQL database hosted by Supabase in the Australia (Sydney) region. It does not leave that region.
All data is encrypted in transit using TLS and encrypted at rest. Row-level security policies enforced at the database level mean your data is inaccessible to other users even if there were a bug in our application code.
For more technical detail, see our Security page.
Analytics
We do not currently use any analytics tools or tracking services. We may use analytics in the future to understand how the application is used and improve it. If we do, we will update this policy before introducing any such tools, and we will choose tools that respect your privacy.
Your rights
Under the Australian Privacy Principles, you have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your account and all associated data — this can be done directly from Settings at any time. Deletion is immediate and complete. There is no archive.
- Make a complaint if you believe we have not handled your information in accordance with Australian privacy law
To exercise any of these rights, use the contact form. We will respond within a reasonable time.
If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.
Data retention
We keep your data for as long as your account is active. When you delete your account, all your data is permanently removed — your profile, accounts, transactions, net worth history, AI digests, and sign-in records. We do not retain data after deletion.
Changes to this policy
We may update this policy from time to time. When we do, we will update the effective date at the top of this page. For significant changes, we will notify you by email. Continuing to use MyMoneyMate after a policy change means you accept the updated policy.
Contact
If you have any questions about this policy or how we handle your data, use the contact form. We'd be happy to explain anything that isn't clear.