Privacy Policy

1. Who We Are

MoneyJars is an independent budgeting and financial habit-tracking application operated under the brand name MoneyJars.

For privacy-related questions or requests, you may contact us at:

📧 privacy@moneyjars.app

2. Information We Collect

2.1 Information You Provide Directly

When you use MoneyJars, you may voluntarily provide the following information:

• Email address (for account creation and communication)
• Authentication information (via email/password or Google OAuth)
• Bank account aliases or short names
• Bank name
• Partial account identifiers (last four digits only, for user reference)
• Transaction descriptions
• Transaction amounts
• Categories or "jars" (e.g., Necessity, Savings, Invest, Experiment, Fun)
• Budgeting rules such as percentage-based "spread rules"
• Any other data you manually enter into the app

MoneyJars does not collect or store full bank account numbers, debit/credit card numbers, PINs, or online banking credentials.

2.2 Information Collected Automatically

We may automatically collect certain technical and usage data, including:

• IP address
• Device type, browser type, and operating system
• Pages visited and features used
• Session duration and timestamps
• Referring URLs

This data helps us understand how users interact with the Service and improve its performance and usability.

2.3 Third-Party Authentication

If you sign in using Google OAuth, we may receive limited information such as:

• Your email address
• Basic profile information (as permitted by Google and your privacy settings)

We do not receive your Google password and do not access other Google services.

3. Analytics & Usage Tracking

MoneyJars may use analytics tools (such as PostHog or similar services) to understand user behavior and improve the Service.

These tools may collect:

• Feature usage patterns
• Interaction events
• Device and browser metadata
• Approximate location (derived from IP address)

Analytics data is used solely to improve the Service and is not sold to third parties.

4. Payments & Subscriptions

MoneyJars may offer paid subscription plans (e.g., Premium features).

• Payments are processed by Polar.sh
• We do not store or process payment card or banking information
• All payment data is handled by the payment processor under their own privacy policies

We may receive limited subscription-related information (such as plan type or billing status) for account management purposes.

5. How We Use Your Information

We use your information to:

• Provide and operate the Service
• Create and manage user accounts
• Enable budgeting, categorization, and tracking features
• Process subscriptions and manage paid feature access
• Communicate with you regarding your account
• Send product updates, tips, and marketing communications
• Improve functionality, performance, and user experience
• Detect, prevent, and address fraud or misuse
• Comply with legal obligations

6. Communications

We may send you emails related to:

• Account activity and security
• Service updates or changes
• Product announcements and feature releases
• Educational content and money-management tips
• Marketing or promotional messages

You may opt out of non-essential communications at any time by using the unsubscribe link in emails or contacting us at privacy@moneyjars.app

7. Data Sharing & Disclosure

We do not sell your personal data.

We may share your information only:

• With trusted service providers (hosting, analytics, authentication, payments)
• To comply with legal obligations or lawful requests
• To protect the rights, safety, or integrity of MoneyJars and its users
• In connection with a merger, acquisition, or asset sale

All service providers are required to protect your data and use it only for authorized purposes.

8. Data Storage & Security

We implement reasonable technical and organizational safeguards to protect your data, including:

• Encrypted connections (HTTPS)
• Secure authentication mechanisms
• Restricted access controls

While we strive to protect your information, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. International Data Transfers

MoneyJars operates globally. Your data may be processed or stored in countries other than your own.

By using the Service, you consent to such international data transfers, provided appropriate safeguards are applied.

10. Your Privacy Rights (Global GDPR-Style Rights)

MoneyJars extends the following rights to all users worldwide:

You have the right to:

• Access your personal data
• Request correction of inaccurate data
• Request deletion of your data
• Withdraw consent for marketing communications
• Request information about how your data is used

Account & Data Deletion

You may request full account and data deletion by contacting us at: 📧 privacy@moneyjars.app

We will process requests within a reasonable timeframe, subject to legal or operational requirements.

11. Cookies

MoneyJars uses cookies and similar technologies to:

• Maintain user sessions
• Ensure core functionality
• Improve user experience
• Analyze usage patterns

You can manage cookies through your browser settings. Disabling cookies may affect certain features.

12. Children's Privacy

MoneyJars is intended for individuals 18 years of age or older.

We do not knowingly collect personal data from minors. If we become aware that a minor has provided personal data, we will delete it promptly.

13. Financial Disclaimer

MoneyJars is a budgeting and financial habit-tracking tool only.

• We do not provide financial, investment, tax, or legal advice
• All financial decisions remain the responsibility of the user
• Use of the Service is at your own risk

MoneyJars is not liable for any financial outcomes resulting from the use of the Service.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

When changes are made:

• The "Last Updated" date will be revised
• Material changes may be communicated via the Service or email

Continued use of MoneyJars constitutes acceptance of the updated Privacy Policy.

15. Contact Us

For privacy-related questions, concerns, or requests, contact us at: 📧 privacy@moneyjars.app