Privacy Policy
Last updated: December 21, 2025
1. Introduction
MoneyMatter ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our personal finance application.
2. Information We Collect
Account Information: Email address and password for authentication.
Financial Data: Transaction records, account balances, categories, and budgets that you enter or sync from connected banks.
Bank Connection Credentials: If you use bank integrations, we store encrypted API credentials to maintain your connections.
Usage Data: Basic analytics to improve the application experience.
3. How We Use Your Information
- To provide and maintain the MoneyMatter service
- To sync your financial data from connected bank accounts
- To categorize and analyze your transactions
- To send important service-related notifications
- To improve and optimize the application
4. Data Storage and Security
Your data is stored securely in our database. Sensitive information such as bank API credentials is encrypted at rest.
If you self-host MoneyMatter, your data remains entirely on your own infrastructure and never touches our servers.
5. Third-Party Services
We may use third-party services for:
- Bank data aggregation (Enable Banking, Monobank API)
- AI-powered transaction categorization (optional)
These services have their own privacy policies. Bank connections are made using your own credentials, and we act only as an intermediary.
6. Data Retention
We retain your data for as long as your account is active. You can request deletion of your account and all associated data at any time through the application settings.
7. Your Rights
- Access your personal data
- Export your financial data
- Request correction of inaccurate data
- Request deletion of your data
- Disconnect bank integrations at any time
- Delete all your data at any time permanently
8. Open Source
MoneyMatter is open source software. You can review exactly how we handle your data by examining our source code on GitHub.
9. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.
10. Contact Us
If you have questions about this Privacy Policy, please open an issue on our GitHub repository.