1. Introduction
My Money Right ("we," "our," or "us") is operated by Tacit Web Solutions, LLC. We are committed to protecting your personal and financial information. This Privacy Policy explains what data we collect, how we use it, and the choices you have regarding your information.
By using My Money Right at mymoneyright.ai, you agree to the terms of this Privacy Policy.
2. Information We Collect
We collect only the information necessary to provide the service:
- Account information: Your name and email address, obtained via Google OAuth sign-in.
- Financial data you enter: Bills, debts, transactions, budgets, and any notes or documents you upload. This data is entered by you and stored solely to provide the service.
- Usage data: Basic server logs (IP address, request timestamps) for security and debugging. These are not sold or shared.
- AI API keys: If you choose to use AI features, you supply your own API key (OpenAI, Gemini, or Anthropic). Keys are stored encrypted and used only to process your requests.
3. How We Use Your Information
- To provide, maintain, and improve the My Money Right service.
- To authenticate you securely via Google OAuth and JWT tokens.
- To process AI-assisted features using your own provided API keys.
- To send essential service communications (e.g., password or account issues), if applicable.
We do not sell, rent, or share your personal or financial data with any third parties — for any purpose, including advertising or marketing. Your financial information is used solely to operate the Service for you.
4. Data Storage and Security
Your data is stored in a SQLite database on servers controlled by Tacit Web Solutions. We implement industry-standard security measures including:
- HTTPS/TLS encryption for all data in transit.
- JWT-based authentication with 7-day token expiry.
- Rate limiting and server-side input validation.
- Regular backups of your data.
No system is 100% secure. While we take reasonable precautions, we cannot guarantee absolute security of data transmitted over the internet.
5. Data Retention
Your data is retained for as long as your account is active. If you request account deletion, we will permanently delete your data within 30 days. Server logs are retained for up to 90 days for security purposes.
6. Third-Party Services
We use a limited number of third-party services:
- Google OAuth: For sign-in authentication. Subject to Google's Privacy Policy.
- AI providers (optional): OpenAI, Google Gemini, or Anthropic — only if you opt in and supply your own key.
We do not use advertising networks, analytics platforms, or tracking pixels.
7. Cookies
My Money Right does not use tracking cookies. Authentication state is maintained via a JWT token stored in your browser's localStorage, which is not accessible to third parties.
8. Your Rights
You have the right to:
- Access and export the data you have entered.
- Correct inaccurate data at any time within the app.
- Request permanent deletion of your account and all associated data.
To exercise these rights, contact us at support@mymoneyright.ai.
9. Children's Privacy
My Money Right is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us immediately.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes by updating the "Last updated" date at the top of this page. Continued use of the service after changes constitutes acceptance of the updated policy.
11. Contact Us
If you have questions or concerns about this Privacy Policy, please contact us at:
- Email: support@mymoneyright.ai
- Website: www.mymoneyright.ai