Privacy Policy
Last updated: October 22, 2026
MoneyHubb is an AI-powered personal finance app that helps you set financial goals, track progress, and receive personalized coaching. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our service.
1. Information We Collect
Account Information
- Email address
- Name (if provided)
- Authentication credentials (managed by our authentication providers)
Financial Goals and Preferences
- Savings goals you create (target amounts, timelines, categories)
- Progress updates you log toward your goals
- Responses to onboarding questions about your financial situation
- Interactions with your AI coach, Billy
Usage Data
- Features you use and screens you visit
- Device information and browser type
- App performance and error logs
Subscription Information
- Subscription status and tier
- Payment transaction records (processed by Apple for in-app purchases)
2. Bank Account Data
You may optionally connect your bank accounts to MoneyHubb. Bank connections are powered by Stripe Financial Connections, a secure financial data platform. When you connect an account, we receive:
- Account balances
- Transaction history (amount, merchant description, date, and status)
- Financial institution name
- Account type (checking, savings, etc.)
- Last four digits of the account number
Important safeguards:
- We never see your bank login credentials. Authentication happens directly with your bank through Stripe.
- We use this data solely to display your balances, track progress toward your goals, and personalize coaching recommendations.
- We do not initiate transfers or move money from your accounts.
- We do not sell or share your bank data with third parties for marketing purposes.
- You can disconnect your bank account at any time. When you disconnect, all stored bank data is deleted.
Learn more about Stripe's privacy practices at stripe.com/privacy.
3. Location Data
MoneyHubb may collect approximate location information to provide localized features:
What we collect
- IP-based location estimate: When you use the app, we may determine your approximate city, state, and region based on your IP address.
- Device location (optional): On mobile devices, you may grant permission for more precise location access. This is used for features like finding nearby stores.
How we use it
- Personalizing your experience based on your region
- Providing location-aware financial recommendations
- Improving service quality
You can deny location permissions on your device at any time. The app will continue to function with limited location features.
4. How We Use Your Information
We use your information to:
- Display your financial goals and track your progress
- Provide personalized coaching through Billy, your AI financial coach
- Generate insights about your spending and saving patterns
- Send suggested actions and check-in reminders
- Process your subscription and manage your account
- Communicate with you about your account and service updates
- Improve our service and develop new features
- Provide customer support
5. AI and Your Data
Billy, your AI financial coach, is powered by a third-party AI service. When Billy provides coaching:
- We send summarized information about your goals, progress, and financial context—not raw bank transaction data.
- Conversations are processed to generate personalized advice.
Your data is not used for AI training
Your personal data, including bank account information, is never used to train AI models. Our AI provider processes your data solely to respond to your requests and does not retain it for model improvement.
6. Data Storage and Security
Your data is stored in the United States. We implement industry-standard security measures:
- Encryption: All data is encrypted in transit (HTTPS/TLS) and at rest.
- Secure infrastructure: Our database and authentication are hosted on SOC 2 Type II compliant platforms.
- Access controls: Your data is accessible only to you and our authorized systems.
- Regular security reviews: We continuously monitor for vulnerabilities and security threats.
7. We Do Not Sell Your Data
MoneyHubb's business model is subscription-based. We do not monetize your data.
- We never sell, rent, or share your financial data with advertisers, data brokers, or other third parties for marketing purposes.
- Your bank account information, transaction history, and financial goals remain private.
- We do not create advertising profiles based on your financial behavior.
8. Third-Party Services
We use the following trusted third-party services to operate MoneyHubb:
| Service | Purpose |
|---|---|
| Supabase | Database, user authentication, and secure data storage |
| Stripe | Bank account connections (via Financial Connections) and payment processing |
| Anthropic (Claude) | AI coaching (receives summaries, not raw transaction data; does not train on your data) |
| Apple | In-app purchases and Sign in with Apple authentication |
| Sign in with Google authentication | |
| Resend | Transactional email delivery |
| PostHog | Product analytics and usage insights |
| Vercel | Website and application hosting |
Each service operates under its own privacy policy. We share only the minimum data necessary for each service to function.
9. Your Rights
You have the right to:
Access
Request a copy of all data we hold about you.
Delete
Permanently delete your account and all associated data.
Modify
Update or correct your personal information.
Portability
Export your data in a machine-readable format.
To exercise any of these rights, contact us at ceo.lena@moneyhubb.com.
10. Data Retention
- We retain your data while your account is active.
- If you delete your account, all personal data is permanently removed within 30 days.
- Backups containing your data are securely overwritten within 90 days of account deletion.
- Some aggregated, anonymized data (with no personal identifiers) may be retained for analytics purposes.
11. Children's Privacy
MoneyHubb is intended for users who are 18 years of age or older. We do not knowingly collect personal information from anyone under 18. If we discover that we have collected data from a minor, we will delete it promptly.
12. Changes to This Policy
We may update this Privacy Policy from time to time. If we make significant changes, we will notify you by email or through a notice in the app. Your continued use of MoneyHubb after any changes constitutes acceptance of the updated policy.
13. Contact Us
If you have questions about this Privacy Policy or how we handle your data, please contact us:
Email: ceo.lena@moneyhubb.com
Website: www.moneyhubb.com