Privacy Policy

My Finance AI ("we", "us") operates the myfinance.cc platform. This policy explains how we collect, use, disclose, and protect your information when you use our service.

Account Information: Name, email address, and password secured with bcrypt hashing during registration.

Financial Data: M-Pesa and bank statement PDFs you upload, and the transaction data we extract from them (dates, amounts, descriptions, categories). We never connect to your bank account directly — all data is uploaded by you.

Usage Data: Pages visited, features used, and actions taken within the service.

Payment Data: Payment processing is handled by Paddle. We do not store full payment card details.

• Provide, maintain, and improve the service
• Parse and categorize your financial transactions
• Process payments and send billing communications
• Send transactional emails (OTP verification, trial reminders)
• Provide AI-powered features via OpenAI (your data is not used for model training by OpenAI)
• Train on-device machine learning models specific to your spending patterns
• Detect and prevent fraud or abuse

Data is stored on secure servers in Germany (Contabo). Uploaded statements and files use S3-compatible object storage with presigned URLs. Security measures include HTTPS encryption, JWT authentication with short-lived tokens, and bcrypt password hashing.

We do not sell your personal data. Data sharing occurs only with the following service providers, each of whom processes data solely on our behalf:

• Paddle — payment processing
• Unosend — transactional email delivery
• OpenAI — AI-powered features (Ask AI, expense analysis)
• Contabo — hosting and object storage

Your data is retained while your account remains active. You may request deletion of your account and all associated data at any time by contacting us.

If you are in the European Economic Area, you have the right to: access your personal data, request corrections, request deletion, restrict processing, and data portability. Contact privacy@myfinance.cc to exercise these rights.

My Finance AI is not a bank, financial institution, or licensed financial advisor. The service provides informational tools only. We do not provide financial advice, and nothing in the service should be construed as such. You are solely responsible for your financial decisions.

We use essential authentication tokens stored in localStorage (JWT). No tracking or third-party analytics cookies are employed.

The service is not directed to individuals under 16. We do not knowingly collect personal information from children.

We may update this policy periodically. Material changes will be communicated via email or a notice within the service.

Email: privacy@myfinance.cc

Support: hello@myfinance.cc