Privacy Policy

What we collect

Account data: your name, email address and a securely hashed password (we never see or store your password in readable form).

Preferences: your language, region and currency.

Money data you enter: your weekly budget, starting balance, an optional upcoming bill, the transactions you add, your savings-rule activity, and if you use it, your paycheck amount, payday schedule and paycheck history.

Expenses you import from a CSV statement or pasted messages: we store only the details you approve (date, merchant, amount, category), never the file or the message text.

Receipts and voice: photos and PDFs of receipts are read on your device and are never uploaded or stored, and only the details you confirm are saved. Voice entry uses your device’s or browser’s speech recognition (provided by Apple or Google); we only receive the resulting text, never the audio.

AI receipt reading (optional, Premium): if you choose “Try AI reading” on a receipt, that photo is sent to Anthropic (the maker of Claude) to read it. It is used only to answer that one request and is not stored by Money Autopilot. Unless you choose this, receipt photos stay on your device.

Bank statements (PDF or photo): statements you upload are read on your device, and only the transactions you approve are saved; the file itself is never stored. If you choose “Read it with AI”, the statement’s text (with account and card numbers hidden on your device first) or up to 3 page photos are sent to Anthropic for that one reading and are not stored by Money Autopilot.

Bank connections (optional, Premium): if you connect a bank, our provider (Plaid in the US and Canada; an open-banking provider in Europe) gives us read-only access to your transactions. We store an encrypted access token and the transactions we import. We never see your online-banking password, and we never collect card numbers. Once connected, new transactions are imported automatically (when the provider tells us there are new ones, and once a day), and an imported expense that matches one you already entered is linked to it rather than added twice.

Credit cards, bills, pay-later plans and savings goals you add (Premium): their names, balances, amounts, due dates and optional interest rates.

AI money coach and AI voice reading (optional, Premium, only after you allow AI features in Settings): when you ask for them, your spending totals by category, your card balances, rates and paycheck (for the payoff plan) or the sentence you spoke are sent to Anthropic to answer that one request. They are not used to train AI models and Money Autopilot does not store the AI's copy.

Subscriptions: if you subscribe, the payment is handled by Apple (App Store), Google (Google Play) or Stripe (website). We receive and store your subscription status, plan and renewal or end date - never your card details.

Bill reminders (optional): if you turn on notifications, we store a device token from Apple, Google (Firebase Cloud Messaging) or your browser so we can send them, and the list of reminders already sent.

Unless you choose to connect a bank, Money Autopilot does not connect to your bank.

How we use it

To run your account, calculate your weekly plan and show you plain-language guidance. We do not sell your data and do not use it for advertising.

Cookies

We use only essential cookies: one keeps you signed in and one remembers your language. We use no advertising or analytics cookies.

Who processes your data

We use Supabase to host our database and authentication and Vercel to host the app. Anthropic (AI features you turn on), Apple, Google and Stripe (payments and notifications) process only what the features above describe. Data may be processed in the region where that project is hosted. If you connect a bank, your bank data is also processed by that provider (Plaid or an open-banking provider) under their own terms. Administrators of Money Autopilot can view and manage accounts to provide support and keep the service safe; admin actions are logged.

Your rights

You can access and download your data (Settings → Download my data), correct it (Settings), and permanently delete your account and all associated data at any time (Settings → Delete account). Deletion is immediate and cannot be undone, and it also revokes any bank connections. You can disconnect a bank at any time from the Import page.

Depending on where you live (EU/EEA, Canada including Quebec, US states such as California, Burkina Faso) you may have additional rights, such as objecting to processing or complaining to your data-protection authority. Contact us to exercise them.

Retention

We keep your data until you delete your account. Backups are purged on the provider's normal schedule.

Contact

Questions or requests: wilfriedoued1@gmail.com