Legal
Privacy Policy
This Privacy Policy explains how The Club Marketing and Consulting LLC, a Florida limited liability company ("MyFinly", "we", "us"), handles information when you use the MyFinly mobile app (the "App") and this website (the "Site"). MyFinly is intended for users in the United States who are 18 or older.
The short version
- We use your information to run MyFinly: to record your expenses, answer your questions and show your dashboard.
- We don't sell your personal information, and we don't use your financial data for advertising.
- Our database and storage rules let only your signed-in account read your data from the App. Our servers access it only to provide the service.
- Our server logs don't record amounts, descriptions or message content.
- You can view and clear what the assistant remembers, and you can delete your account at any time.
Information we collect
| Information | Why we use it |
|---|---|
| Email address and account identifier | To create and secure your account. |
| Financial entries you add (amount, currency, description, merchant, category, date) | To provide the service: your records, answers and dashboard. |
| Chat messages, voice notes and their transcripts, and receipt photos | To record expenses and answer your questions. |
| Facts you ask the assistant to remember ("memory") | To personalize answers. You can view, undo and clear them in Settings → AI memory. |
| Preferences (currency, language, time zone) | To provide the service. |
| Subscription status (from Apple, Google and RevenueCat) | To give you access to your subscription. |
| Usage counters (for example, number of messages, images and seconds of audio) | To apply fair-use limits and prevent abuse. |
| App integrity signals (Firebase App Check, which uses Google Play Integrity on Android and Apple App Attest or DeviceCheck on iPhone) | To confirm that requests come from the genuine MyFinly app and protect the service from abuse. |
| Technical logs (your account identifier and technical events, without financial content) | Security and troubleshooting. |
| Website data, only with your consent (analytics and advertising cookies) | To understand visits and measure our ads. See Cookies and website analytics. |
We don't receive your payment card details. Apple or Google process subscription payments.
Artificial intelligence
To understand your messages, voice notes and receipt photos and to write answers, MyFinly sends the content needed for each request to OpenAI, L.L.C. through its API. That content can include recent conversation context, your preferences and remembered facts. We identify requests to OpenAI with a one-way hash derived from your account, never with your email address.
- According to OpenAI's published API data policy, data sent through the API is not used to train OpenAI's models.
- We ask OpenAI not to store conversation state (the API's
store: falsesetting). According to OpenAI, it may still keep chat and image requests for up to 30 days to monitor for abuse, unless the law requires longer, and it does not retain voice transcription requests. - Totals and summaries are calculated by our servers. The assistant can suggest changes, but nothing is edited or deleted until you confirm. AI answers can be wrong, so please review them.
Service providers
- Google (Firebase and Google Cloud, United States): sign-in, database, file storage, servers and App Check.
- OpenAI, L.L.C. (United States): AI processing, as described above.
- RevenueCat, Inc. (United States): subscription status, linked to your account identifier.
- Apple and Google: subscription payments through the App Store and Google Play, and app integrity checks.
These providers process information on our behalf to provide their services to us.
Bank Sync (not yet active)
Bank Sync is not active in the App yet. This section describes how it is designed to work, and we'll review this policy before it is activated.
- Connecting: you connect a financial institution through Plaid Inc. You sign in to your bank inside Plaid's interface; MyFinly never sees or stores your bank username or password. Plaid's End User Privacy Policy applies to the connection.
- What we receive: account names, the last digits of account numbers, account type, and transactions (date, amount, currency, merchant or description and category), plus recurring-payment patterns. MyFinly can't move money or cancel subscriptions.
- How the connection is protected: the access credential Plaid issues for your connection is encrypted and kept only on our servers; it never reaches the App.
- Disconnecting a bank: we ask Plaid to end the connection and we delete our copy of the access credential. Transactions already imported stay in MyFinly unless you also choose to delete them.
- Deleting imported data: when you disconnect, you can also delete the transactions and recurring payments imported from that bank. You can also delete all imported bank data at once in Settings. Entries you added yourself are kept.
- If your subscription ends: if it isn't renewed for 7 days, we end the bank connection at Plaid. Your imported transactions stay until you delete them.
- Deleting your account: ends every bank connection at Plaid and deletes all imported data, as described in Delete your account.
- Plaid's own data: Plaid handles the data it collects under its own policy. Ending the connection in MyFinly does not delete data held by Plaid; you can contact Plaid about it.
How we share information
We share information only with the service providers listed above, when you ask us to, to comply with the law or protect rights and safety, or as part of a merger or acquisition (with notice to you). We do not sell your personal information, and we do not share your financial data for advertising.
Cookies and website analytics
The App does not track you across other companies' apps or websites. On this Site, we use only essential storage by default. If you agree, we may use analytics (Google Analytics) and advertising tags (Google Ads, Meta and TikTok) to understand visits and measure our marketing. Under some U.S. state laws, advertising cookies may count as a "sale" or "sharing" of personal information. They stay off unless you opt in, and we treat Global Privacy Control signals as an opt-out. You can change your choice at any time with .
How long we keep information
| Information | Retention |
|---|---|
| Entries, conversations, memory and preferences | While your account exists. |
| Voice note audio files | Deleted after transcription (the text remains in your conversation). If processing fails, deleted within about 30 days. |
| Uploaded photos that didn't become a receipt | Deleted after 30 days. |
| Receipts attached to an entry | While the entry exists; deleted with it. |
| Request, usage and subscription-event records | Deleted automatically after 7 to 90 days, depending on the record (usually within a day after that date). |
| Technical logs | 30 days. |
| Database backups | 14 days. Deleted data may remain in backups until they expire. |
| OpenAI abuse monitoring | Up to 30 days for chat and image requests, per OpenAI's policy. |
Your choices and rights
- Access and correction: view and edit your entries in the App, or contact us.
- Memory: view, undo and clear remembered facts in Settings → AI memory.
- Deletion: Settings → Delete account. See Delete your account for what is deleted and what isn't, and how to ask for deletion if you can't use the App.
- U.S. state privacy rights: depending on where you live, you may have rights to know, access, correct, delete and receive a copy of your personal information, to opt out of its "sale" or "sharing" and of targeted advertising, and not to be discriminated against for using these rights. To make a request, email myfinlyaimoneymanager@gmail.com. We'll verify the request, and we may ask an authorized agent for proof of authorization.
Subscriptions are managed in your App Store or Google Play account. Deleting your MyFinly account doesn't cancel a store subscription.
Security
Data travels between the App and our servers over encrypted connections, and Google Cloud encrypts stored data by default. Our database and storage rules restrict each person's data to their own signed-in account, server credentials are kept in Google Cloud Secret Manager, and our logs exclude financial content. No method of transmission or storage is 100% secure.
Children
MyFinly is not intended for anyone under 18, and we don't knowingly collect information from children.
Where we process information
Information is stored and processed in the United States.
Changes to this policy
We'll post any changes on this page and update the date above. If a change is significant, we'll also let you know in the App.
Contact
The Club Marketing and Consulting LLC · myfinlyaimoneymanager@gmail.com