Privacy Policy

You must be 13 or older to create a MoneyWise account. MoneyWise is not directed to children under 13, we do not knowingly collect personal information from anyone under 13, and sign-up asks for your birth year to enforce this.

If we learn that an account belongs to a child under 13, we delete the account and its data. If you are a parent or guardian and believe a child under 13 has created an account, email supportmoneywiseteen@gmail.com and we will remove it.

Features that record real-world business income and expenses are limited to users who are 18 or older. Under 18, those stay in practice mode.

Account information. Your email address and, if you sign up with a password, an encrypted password managed by our authentication provider. If you sign in with Google, we receive your email address and basic profile information from Google instead. We never see your Google password.

Profile information. Display name, birth year (used to work out your age band), country, currency preference, daily goal, reminder time.

Money information you enter yourself. Cash balance, accounts you name, income and paychecks, bills and repeating charges, purchases you log, budget categories, savings goals, practice portfolio holdings and trades, job applications you track, and business income and expenses if you use that feature.

Documents you scan. If you use the receipt or paycheck scanner, the image or text you submit is sent to our AI provider to pull out the merchant, amount and dates. We store the extracted fields and the record you confirm. Do not scan documents containing account numbers, card numbers or government ID numbers.

Learning information. Lessons and quizzes completed, answers and response times, skill mastery scores, XP, streaks, placement results, game scores, weekly league position, and badges.

AI coach conversations. Your chat messages, the coach’s replies, and short “memories” the coach saves about your goals and habits. To answer usefully, the coach is also given a summary of your own numbers — cash, monthly spending, recent purchases, income, goals and weak skills.

Parent or guardian links. If you invite a guardian, we store the email address you enter, the invite status and the exact categories you chose to share.

Feedback you send. Star rating, your written feedback, and a contact email if you provide one.

Technical information. Standard server logs from our hosting and database provider, including IP address, browser type and timestamps, plus error reports when something in the app breaks. We do not run advertising trackers, behavioural ad networks, or third-party marketing analytics.

What we never collect. Bank logins, card numbers, Social Security numbers, credit reports, or any connection to a real financial account. MoneyWise has no bank connection and cannot move money.

To create and secure your account; to show you your own numbers; to adapt lessons, reviews and drills to the skills you are weakest at; to run streaks, XP and the weekly league; to let the AI coach answer with your real situation in mind; to show a guardian only the categories you approved; to fix bugs and abuse; and to answer your support emails.

We do not sell or rent personal information, we do not share it with data brokers, and we do not use it for targeted advertising.

Lovable Cloud (Supabase infrastructure) — hosting, database, authentication and file storage. Everything above is stored there.

Lovable AI Gateway and its model providers — powers the AI coach, insight cards and document scanning. Your message text and the summary of your numbers described above are sent to the model provider to generate a reply. Do not include information you would not want processed by a third party.

Google — only if you choose Google sign-in.

Market and public data sources — Finnhub for stock prices, Logo.dev for company logos, and public U.S. government data from FRED, the Bureau of Labor Statistics, the SEC, the CFPB and the World Bank. These receive the ticker or term being looked up, not your personal information.

We may also disclose information if required by law, to protect someone’s safety, or to investigate abuse of the app.

MoneyWise uses only what it needs to work. A secure authentication cookie and browser local storage keep you signed in. Local storage also remembers small preferences — which nudges you have already seen, game progress, reminder settings and preview-mode data if you try the app without an account.

We do not use advertising cookies, cross-site tracking pixels or third-party marketing analytics, so there is nothing to opt out of for advertising. Clearing your browser storage signs you out and resets those preferences.

Browser notifications for streak and bill reminders are off until you allow them, and you can revoke that permission in your browser at any time.

We keep your information while your account exists. When you delete your account, we delete your profile, money records, goals, lessons and progress, coach chats and memories, scans, game scores and guardian links.

Limited records may be kept longer where we have to: security and error logs for up to 90 days, and records we need to keep to resolve a dispute or comply with the law. Backups roll off on their own schedule within 30 days.

In the app you can edit or delete individual goals, budget items, purchases, coach memories and whole chats at any time, change what a guardian can see, and turn reminders off.

To delete your entire account and its data, email supportmoneywiseteen@gmail.com from the address on your account with the subject Account Deletion Request. We confirm within 5 business days and delete within 30 days. You can also ask for a copy of your data, or for us to correct it, the same way. A parent or guardian may make either request on behalf of a user under 18.

Traffic is encrypted over HTTPS. Data is stored with row-level access rules so an account can only read its own records, apart from what you choose to share with a guardian and your display name and weekly XP on the league board. Passwords are hashed by our authentication provider and are never visible to us. Service keys are held as server-side secrets and are never shipped to the browser.

No system is perfect. If you find a security or privacy problem, email supportmoneywiseteen@gmail.com with “Security” in the subject and please do not post it publicly first.

If we change this policy in a way that matters, we will say so in the app before the change takes effect and update the date at the top.