Privacy Policy
This policy explains what personal data we collect and how we use it.
1. Data controller
moneyOS is operated by [YOUR NAME / ORGANISATION], reachable at [your@email.com]. If you have questions about how your data is handled, contact us at that address.
2. What data we collect
We collect: • Email address and name from your Google account (via OAuth). • Financial data you import: account names, transaction descriptions, amounts, and balances. • A profile name you set manually. • Technical session data (a JWT cookie) necessary to authenticate you.
3. Legal basis
We process your data based on your consent (you chose to sign up and import your financial data) and on our legitimate interest in providing a working personal finance service.
4. How we use your data
Your data is used exclusively to power your personal dashboard: displaying balances, categorising transactions, detecting duplicates, and running AI-assisted insights. We do not sell, share, or use your data for advertising.
5. Third-party services
• Google — OAuth sign-in and data storage (Google Sheets). See policies.google.com/privacy. • Anthropic — AI categorisation and chat (data sent per request, not stored by Anthropic beyond their API terms). See anthropic.com/privacy.
6. Data retention
Your data is kept for as long as you have an active account. You can delete all your financial data at any time via Settings → Danger Zone. To delete your account entirely, contact us.
7. Your rights (GDPR)
You have the right to: access your data, correct inaccurate data, delete your data, restrict or object to processing, and receive your data in a portable format. To exercise any of these rights, contact us at [your@email.com]. You also have the right to lodge a complaint with your national data protection authority.
8. Cookies
We use only strictly necessary cookies for authentication (a JWT session token). No analytics or advertising cookies are set.
9. Security
All data is transmitted over TLS. Your financial data is stored in your own private Google Sheets spreadsheet, accessible only through your Google account.
10. Changes
If we make material changes to this policy, we will notify you by email or in-app notice. This policy was last updated on [DATE].