Privacy Policy

Your privacy matters. This policy explains how More or Less ("wewe"quot;, "ourour"quot;, "&"the Service") collects, uses, and protects your personal and financial information.

1. Information We Collect

1.1 Account Information

When you create an account through our OAuth provider (Moopy), we collect:

• Your name
• Email address
• User ID from the OAuth provider

1.2 Financial Data

You provide financial information to use the Service, including:

• Transaction details (amount, date, description, category)
• Account information (account names, types, balances)
• Budget allocations and goals
• Financial plans and projections
• CSV transaction imports from your bank
• Wishlist items and estimated costs

1.3 Conversational Data

The Service records:

• Your conversations with the AI assistant
• Message history and context
• Personality preset preferences

1.4 Usage Data

We automatically collect:

• Device and browser information
• IP address
• Access times and pages viewed
• Interaction patterns within the app

2. How We Use Your Information

2.1 To Provide the Service

• Process and display your financial data
• Generate insights and spending patterns
• Provide AI-powered financial conversations
• Categorize transactions automatically
• Create budgets and financial plans

2.2 To Improve the Service

• Analyze usage patterns to improve features
• Train and improve AI categorization accuracy
• Fix bugs and technical issues
• Develop new features

2.3 To Communicate with You

• Send service-related notifications
• Respond to your support requests
• Notify you of important changes or updates

3. How We Share Your Information

3.1 With Household Members

The Service is designed for household financial management. All financial data is shared between authorized household members you explicitly add to your account.

3.2 With Third-Party Services

We use the following third-party services to operate:

• Anthropic (Claude AI): Your conversations and financial context are sent to Anthropic's API to generate responses. Anthropic's privacy policy applies to this data.
• Neon (PostgreSQL Database): All your data is stored in Neon's secure, encrypted database infrastructure.
• Vercel (Hosting): The application is hosted on Vercel's infrastructure.
• Moopy (Authentication): OAuth authentication is handled by Moopy.

3.3 What We Never Do

We will never:

• Sell your personal or financial data
• Share your data with advertisers
• Use your data for marketing purposes
• Share your data with financial institutions

3.4 Legal Requirements

We may disclose your information if required by law, court order, or government request, or if necessary to protect our rights or the safety of others.

4. Data Security

We implement industry-standard security measures to protect your data:

• All data is encrypted in transit (HTTPS/TLS)
• Data is encrypted at rest in our database
• Secure authentication via OAuth
• Regular security audits and updates
• Access controls and logging

However, no method of transmission over the Internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

5. Data Retention

We retain your data for as long as your account is active. When you delete your account:

• All your personal and financial data is permanently deleted within 30 days
• Anonymized usage statistics may be retained for service improvement
• We may retain data longer if required by law

6. Your Rights and Choices

6.1 Access and Export

You can access and export all your data at any time through the Settings page. Your exported data includes all transactions, budgets, conversations, and account information.

6.2 Correction and Deletion

You can:

• Edit or delete individual transactions, budgets, and other data through the app
• Delete your entire account and all associated data through Settings

6.3 Opt-Out of AI Processing

The conversational AI is core to the Service. If you prefer not to use AI features, you can use the manual transaction entry and traditional budgeting features, though this limits functionality.

7. Cookies and Tracking

We use essential cookies and local storage for:

• Authentication and session management
• Remembering your preferences (theme, personality preset)
• Ensuring the app functions properly

We do not use tracking cookies or third-party analytics.

8. Children's Privacy

The Service is not intended for children under 18. We do not knowingly collect information from children. If you believe a child has provided information to us, please contact us immediately.

9. International Data Transfers

Your data may be processed in countries where our service providers operate. We ensure appropriate safeguards are in place for international data transfers.

10. GDPR Compliance (EU Users)

If you are in the European Union, you have additional rights under GDPR:

• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to data portability
• Right to object to processing
• Right to withdraw consent

To exercise these rights, use the data export and account deletion features in Settings, or contact us directly.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by email or through a prominent notice in the app. Your continued use of the Service after changes constitutes acceptance of the updated policy.

12. Company Information

More or Less is operated by:

13. Contact Us

If you have questions about this Privacy Policy or how we handle your data, please contact us through the app's support feature or by email.

By using More or Less, you acknowledge that you have read and understood this Privacy Policy.