1. Introduction

Your privacy is a top priority at Money Owl. Our policy is to respect and protect your privacy regarding any information collected while operating our services.

2. Information We Collect

We collect personal information necessary for providing our services, including:

• Financial data accessed via the GoCardless API for open banking purposes.
• User account information stored securely on Supabase servers located in Ireland.
• Payment information processed through Stripe (via BuzzCrafter UK company).
• Analytics data via PostHog, which collects usage data to improve our service. You can opt-out of this tracking at any time.
• User data for transaction categorization and prompt questions processed by AI services like AI Groq and OpenAI.

3. Use of Information

The information we collect is used to:

• Provide and improve our services.
• Process transactions and manage subscriptions.
• Enhance user experience through AI-powered insights.
• Provide customer support.

4. Data Protection

We implement robust security measures to safeguard your personal information against unauthorized access, alteration, disclosure, or destruction.

5. Information Sharing

We do not share your personal information with third parties except:

• With your consent.
• As necessary to provide our services (e.g., with payment processors).
• When required by law.

6. Third-Party Services

Our service may include links to external sites or services not operated by us. We have no control over their content and privacy practices.

7. Your Rights

You have the right to access, correct, or delete your personal information held by us. Please contact us to exercise these rights.

8. Your Consent

By using our services, you will be asked to provide explicit consent for analytics tracking. You can change your preferences at any time.

9. Updates to Our Policy

Our Privacy Policy may be updated from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

10. Contact Us

If you have any questions or concerns about our Privacy Policy, please contact us for further clarification.

11. Effective Date

This policy is effective as of 31 October 2024.