Privacy Notice

We handle the account and profile information you provide, such as your email address and display name.

We store financial records you enter or confirm, including transactions, accounts, recurring items, loans, instalments, assets and contribution records. We also store facts you choose to teach AI Memory and the categories or rules you create.

We use your information to create and secure your account, to record and organise the financial information you choose to keep, and to show you your own records, summaries and insights.

We also use it to process the text, voice or receipt input you submit for capture, to answer your feedback and support messages, to run and protect the service against misuse, to keep AI usage within safe cost limits, and to handle paid subscriptions where you choose one.

Money AI does not sell personal data and does not use your financial records for advertising.

If you send a feedback report, we store its type, description and your selected follow-up and context choices. When you choose to include context, we may also store the minimal page path from which you sent it.

For AI cost and safety controls, we keep usage metadata such as provider, model, token or duration estimates, cost estimate, time and a safe purpose label. This meter excludes your prompts and financial text.

AI capture is optional. With your permission, Money AI sends content through its backend to AI providers to generate an editable transaction proposal: typed text for interpretation, a receipt image for extraction, or voice audio for transcription. A transcript or reviewed receipt details you continue with may then be sent for text interpretation.

Text interpretation can also send your account names, payment-method labels, category labels and language preference. The configured routes prefer OpenAI and can fall back to Lovable’s AI gateway and its model providers. The default gateway models are from OpenAI for text/images and Google for transcription; the actual route depends on server configuration and availability.

Money AI’s capture handlers do not save raw receipt images or audio as files or a media history. They process them in memory. This is not a guarantee of immediate erasure from infrastructure logs, backups or providers. Text submitted in the Money AI conversation, including transcripts or receipt details you forward, and chat replies can be saved in your chat history before transaction confirmation. Confirmed proposal details are saved as financial records.

Providers may retain inputs and outputs under their own terms and settings. This version sends store: false with direct OpenAI Responses requests, asking OpenAI not to store the response for later retrieval. This does not disable separate abuse-monitoring logs, which may retain content for up to 30 days by default, with exceptions. We have not verified zero-data-retention or other special controls for this deployment. OpenAI lists no abuse-monitoring or application-state retention for its audio transcription endpoint, but a transcript sent onward for interpretation follows the text endpoint’s rules.

This project’s Lovable AI app context is enabled. Lovable can retain full AI request and response logs for 90 days for debugging and improvement, with secrets removed; this does not mean all personal or financial content is removed. Requests through the Lovable gateway do not send store: false because support for that option has not been verified. The gateway’s downstream retention terms remain unverified, and Google Cloud Speech-to-Text retention rules cannot be assumed to apply to a Google model accessed through it. Money AI does not promise deletion from third-party systems when processing ends or consent is withdrawn.

Choose “Not now” to continue without AI processing. Manual recording and read-only finance questions remain available. You can withdraw consent in Profile for future AI requests; this does not delete existing chat or financial records or undo prior provider processing. Material changes to this disclosure require your consent again.

Money AI relies on the following providers to operate. Each one processes only what it needs for its part of the service:

Lovable Cloud hosts the application and its backend. Supabase provides the authentication and database infrastructure behind that hosting, and stores your account and financial records.

The AI providers and routes are described in the AI processing section above. Resend delivers feedback notification emails.

If you choose to link Telegram, messages you send to the Money AI bot pass through Telegram so they can be turned into records in your account. Linking Telegram is optional and you can choose not to use it.

Subscriptions bought on the Money AI website are processed by Stripe, which collects and stores the payment details you enter. If Money AI subscriptions become available inside the iPhone app in future, those purchases would instead be processed by Apple through the App Store under Apple's own terms and privacy policy.

Money AI does not receive or store your full card details from either provider. We only see the plan, its state and the minimal billing references needed to keep your access correct.

Deleting your Money AI account does not cancel a paid subscription. Cancel a website subscription in Plan & Billing inside Money AI. Cancel an App Store subscription in your Apple subscription settings, on iPhone under Settings, your name, then Subscriptions.

These providers may store or process information on servers outside Singapore. We choose providers, contracts and settings intended to keep your information protected to a comparable standard, but this is not a claim of certification, formal accreditation or guaranteed compliance with any particular law.

We keep your information only while it is needed to provide the service to you, and for as long as needed afterwards for legal, security or accounting purposes. After that we delete it or, where appropriate, keep it only in a form that no longer identifies you.

When you delete records or your account, they are removed from the live service. Provider backups and logs may still hold copies for a short time until they clear on their normal cycles.

Money AI does not use advertising cookies and does not run third-party analytics or tracking on these pages.

Your browser stores what the app needs to work: your sign-in session so you stay logged in, your language choice, a small preference such as your default funding source, and, only while you are linking Telegram, a temporary link code held for that session.

You can view and edit most of your information directly in the app. Signed-in users can also reset their stored data or permanently delete their account under Security & Privacy.

You can ask us for access to your personal data, ask us to correct it, or withdraw a consent you gave, by emailing feedback@hellomoneyai.com. We may need to confirm who you are first, and withdrawing a consent may mean parts of the service no longer work for you.

Deleting your account is not the same as cancelling a paid plan. If you have a paid subscription, cancel it as described above, otherwise it continues to renew.

Money AI does not ask for banking passwords, PINs, one-time passwords, full card numbers, NRIC, FIN or UEN details. Do not enter these or any other credentials or secrets.

We take reasonable care, but no online service can guarantee absolute security or uninterrupted availability. Please use Money AI with that limitation in mind.