Privacy Policy

Last Updated: February 2026

Moneyera ("we", "our", "us") is committed to protecting your privacy. This Privacy Policy explains what personal information we collect, how we use it, how it is protected, and what rights you have.

1. Information We Collect

Moneyera collects only the information necessary to provide the service:

Basic account details: email address, display name
Optional contact details: phone number (if provided during onboarding)
Financial information you manually enter or upload: transactions, assets, liabilities, financial goals
Profile avatar image (if uploaded)
Chat messages with the AI financial assistant
App usage data (crash reports, performance, screen flows)

    Important: Moneyera does not automatically connect to bank accounts or retrieve financial data
    from external financial institutions. All financial data is provided directly by you.
    We do not store bank account numbers, credit card numbers, government ID numbers, or banking credentials.

2. AI Chat Assistant & Document Processing

Moneyera includes an AI-powered financial assistant (chat) that can analyze documents you upload, such as bank statements, Excel files, or financial summaries.

The chat assistant is powered by Google Gemini AI (Paid API Tier).
When you send a message or upload a document, your financial context (assets, liabilities, goals, recent transactions) and the chat content are sent to Google Gemini for processing.
Under Google's Paid API terms, Google does not retain your data or use it to train AI models.
Uploaded documents are processed in memory and are not permanently stored by Google.
Your chat history is stored in Moneyera's database solely to enable conversation continuity.

    Privacy note: Your financial data is processed by Google Gemini under the Paid Tier agreement,
    which explicitly prohibits Google from using customer data for model training or retention beyond the duration
    of the API request.

3. How We Use Your Information

We use the information to:

Display your personal financial profile, insights, and summaries
Power the AI chat assistant with relevant context about your finances
Track progress toward your financial goals
Improve app performance and reliability
Provide support and fix issues
Send password reset emails (when you request them)

4. Data Storage & Infrastructure

Your data is stored on Google Cloud Platform infrastructure:

Database: Google Cloud SQL (PostgreSQL) — not publicly accessible, secured by service account only
File storage: Google Cloud Storage (for profile avatars)
All secrets and credentials are managed through environment variables, never hardcoded
Access to the database is strictly limited to the backend service

5. Security Measures

We implement the following security measures to protect your data:

Encryption in transit: All communication uses HTTPS/TLS
Encryption at rest: Data is encrypted by Google Cloud's managed storage defaults
Password security: Passwords are hashed using bcrypt and never stored in plaintext
Authentication: JWT-based authentication with time-limited tokens
Account lifecycle: Deleted accounts use soft-delete — data is not immediately purged, allowing for recovery and compliance
Security event logging: Failed login attempts, password reset requests, and other sensitive events are logged for security monitoring
File upload validation: Uploaded files are validated for type and size before processing

6. Data Sharing

We do not sell, rent, or share your data with external third parties, except:

Google Cloud Platform — infrastructure provider for database and file storage
Google Gemini AI — AI processing for the chat assistant (Paid Tier, no data retention)
Legal obligations — when required by applicable law or legal process

No advertising partners, data brokers, or other commercial third parties receive your data.

7. Data Sources

At this stage, all financial information used by Moneyera is manually provided by you. We do not connect to banks or financial data providers. This may change in future versions, at which point this policy will be updated accordingly.

8. Your Rights

You have the right to:

Access the personal data we hold about you
Request correction of inaccurate data
Request deletion of your account and associated data
Withdraw consent and stop using the service at any time
Contact us with any question or concern about your data

To exercise any of these rights, contact us at: eyal@mymoneyera.com

9. Data Retention

We retain your data for as long as your account is active or as needed to provide the service. If you request account deletion:

Your account is immediately deactivated (soft-delete)
You will no longer be able to log in or access your data
Permanent deletion can be requested by contacting us

10. Children's Privacy

Moneyera is intended for users aged 16 and older. It is not directed at children under the age of 16. We do not knowingly collect personal data from children.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Significant changes will be communicated to users via the app or email. Continued use of the app after changes constitutes acceptance of the updated policy.

12. Contact

For any privacy-related questions or requests:

eyal@mymoneyera.com