Money Mood Privacy Policy

Last updated: 22 October 2025

Money Mood Our values your privacy. This Privacy Policy explains how we collect, use, and protect your information when you use our website and mobile application (“Money Mood”).

1. Information We Collect

a. Information You Provide

We collect personal information that you voluntarily provide, such as your name, email address, and account information when you create an account or communicate with us.

b. Financial Data via Plaid

When you choose to connect a bank account, we use Plaid Inc. (“Plaid”) to securely connect to your financial institution.
By using this feature, you grant Money Mood and Plaid permission to access and transmit your financial data, including transactions, account balances, and account type information.
We do not store or have access to your banking credentials (username or password).

2. How We Use Your Information

We use collected information to:

  • Provide and improve the Money Mood app and related services.

  • Generate personalized insights that connect emotions and spending habits.

  • Communicate with you about updates, support, and new features.

  • Comply with legal obligations and ensure platform security.

We never sell your personal or financial data.

3. How We Protect Your Information

We use industry-standard encryption and security measures to protect your data.
Sensitive financial information is handled and transmitted securely through Plaid, which uses bank-level encryption.
Access to your data is limited to authorized personnel only and used solely to provide our services.

4. Your Rights and Choices

You can:

  • Disconnect your bank accounts at any time within the app.

  • Request deletion of your account and associated data by reaching out to support@money-mood.com

  • Opt out of marketing communications at any time.

5. Data Retention

We retain personal information only as long as necessary to provide our services or comply with legal requirements. Financial data is deleted when you disconnect your account or close your profile.

6. Third-Party Services

Money Mood integrates with Plaid Inc. to access your financial information securely.
By using our App, you also agree to Plaid’s Privacy Policy.

7. Changes to This Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a new “Last updated” date.

8. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:
📧 support@money-mood.com