We collect information you provide directly to us, including:
Phone number for account registration and WhatsApp communication
Name and profile information
Financial transaction data you submit via WhatsApp, our web app or mobile apps
Bill, mileage, invoice and expense information
Receipt images and photos you capture or upload (via your device camera or files)
Subscription and purchase records (plan, status and transaction identifiers; we do not store full card numbers)
Device push notification token (to deliver reminders and alerts)
Device information and usage data
2. How We Use Your Information
We use the information we collect to:
Provide, maintain, and improve our services
Process and categorize your financial transactions and read receipt images using AI
Send you WhatsApp messages and push notifications (reminders, alerts and account notices)
Process subscriptions and purchases
Generate financial reports and insights
Respond to your comments and questions
Protect against fraudulent or illegal activity
3. Data Storage & Security
We implement industry-standard security measures to protect your data:
All data is encrypted in transit and at rest
Access to personal data is strictly limited
Regular security audits and updates
Secure cloud infrastructure with data redundancy
4. Information Sharing
We do not sell, trade, or rent your personal information. To operate MoneyFeed we share limited data with trusted service providers (sub-processors) who process it only on our instructions and under confidentiality obligations:
AI providers (OpenAI, Google): your message text and receipt images are processed to extract and categorize transactions. This data is not used to train their models.
Twilio: to send and receive WhatsApp messages and verification codes.
Apple (App Store) and RevenueCat: to process and validate in-app subscriptions on iOS.
Stripe: to process web and Android subscription payments.
Apple Push Notification service: to deliver push notifications to your device.
Cloud hosting and storage providers: to securely store your data and receipt images.
We may also disclose information with your consent, to comply with legal obligations, or to protect our rights and safety.
5. Your Rights
You have the right to:
Access & export your data — download a complete archive (transactions, mileage, bills and receipt images) anytime from Settings → Export Data → "Download all (ZIP)".
Correct inaccurate data — edit or delete individual transactions, bills and records in the app.
Opt out of marketing communications (reply STOP on WhatsApp).
6. Data Retention
We retain your data for as long as your account remains active — we do not auto-delete or expire your records. This ensures your full financial and tax history stays available to you and meets IRS record-keeping needs.
IRS guidance (US): the IRS generally recommends keeping tax records for at least 3 years, and up to 6–7 years in certain situations (e.g., underreported income, or claims for bad debt / worthless securities). Because your MoneyFeed data is retained for the life of your account, it remains available throughout this period.
Active data is kept indefinitely while your account is open (no forced expiry).
When you delete an individual transaction, bill or receipt, it is removed from our active database immediately.
When you delete your account, all associated data is permanently erased from our active systems immediately; residual copies in encrypted backups are purged within 30 days.
Tip: before deleting your account, use Settings → Export Data → "Download all (ZIP)" to keep a copy for your IRS records.
Where required by law, we may retain limited information for the minimum period legally mandated.
7. WhatsApp Communications & Opt-Out
Because MoneyFeed operates over WhatsApp, by registering your phone number you consent to receive service and promotional messages from us on WhatsApp (reminders, updates, onboarding, and feature announcements). Message frequency varies and message/data rates may apply.
You may withdraw consent and opt out at any time by replying STOP to any WhatsApp message from us, or by contacting us. Reply START to re-subscribe. You can also opt out of marketing communications without affecting essential service messages. Opting out does not delete your account or stored data.
8. Contact Us
If you have any questions about this Privacy Policy, please contact us at: