Privacy Policy

Last updated: July 5, 2026

This Privacy Policy explains how Moo Money ("Moo Money," "we," "us," or "our") collects, uses, discloses, stores, and protects information when you use our website, web app, and related services that link to this Privacy Policy (collectively, the "Service").

Website: https://moomoney.net
Privacy contact: privacy@moomoney.net
Support contact: support@moomoney.net

By using the Service, you understand that we collect and use information as described in this Privacy Policy. If you do not agree with this Privacy Policy, do not use the Service.

1. Overview

Moo Money is a finance tracking app for individuals, households, families, couples, and businesses. The Service helps users connect financial accounts, track transactions, organize budgets, view cash flow, monitor net worth, track investments and liabilities, estimate real estate values, upload transaction attachments, share household financial information, and manage subscriptions.

Important points:

We collect information needed to operate the Service, including account information, profile information, household information, financial account data, transaction data, investment data, liability data, real estate/property data, billing records, support communications, uploaded files, usage data, and technical data.
We use Plaid to help users connect financial accounts and retrieve financial data authorized by the user.
We use Stripe to process subscription payments and manage billing.
We use Google sign-in if you choose to sign in with Google.
We use RentCast and/or similar property-data providers for real estate valuation features.
We use other service providers for hosting, authentication, storage, analytics, security, communications, and operation of the Service. We do not name every infrastructure provider in this Privacy Policy, but we describe the categories of providers that may process information for us.
Household members can access all data in the household. Do not join or invite someone to a household unless you are comfortable sharing household financial information with that person.
We do not sell your financial data.
We do not use your financial data for targeted advertising.
We do not send general marketing newsletters at this time. If you join a waitlist or request product updates, we may use the email you provide to send those requested updates. We may also send transactional, administrative, security, account, billing, and service-related messages.
Moo Money is not a financial advisor, tax advisor, investment advisor, lender, broker, accountant, attorney, appraiser, or real estate professional.
Automated transaction categorization may be inaccurate. You are responsible for reviewing your own financial data.

2. Information We Collect

We collect information directly from you, automatically when you use the Service, from household members who interact with shared household data, and from third-party services you choose to connect.

2.1 Account and Profile Information

We may collect:

name;
email address;
login credentials or authentication information;
account identifiers;
session, security, and login information;
multi-factor authentication settings or verification metadata;
country of residence;
timezone and display preferences;
profile picture, birthday, or other optional profile details if you provide them;
onboarding choices, referral source, and reasons for using Moo Money.

2.2 Google Sign-In Information

If you choose to sign in with Google, we may receive information from Google such as your Google account identifier, name, email address, and profile image, depending on your Google settings and the permissions shown to you.

We use Google sign-in information to authenticate your account, operate the Service, and maintain account security. We do not use Google sign-in information for targeted advertising. Our use and transfer of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements, where applicable.

2.3 Household Information

If you create, join, or are invited to a household, we may collect:

household name;
household member names, emails, roles, permissions, and membership status;
household invitations and invite metadata;
household-level settings;
data created, connected, edited, uploaded, or shared by household members.

Important household-sharing notice: Household members can access all household data, including financial accounts, balances, transactions, budgets, investments, liabilities, real estate information, uploaded attachments, notes, tags, categories, and other household records. If you leave a household, data you added, connected, edited, or uploaded may remain in that household unless it is deleted through the Service by someone with authority to delete it.

2.4 Financial Account and Transaction Information

When you connect a financial account or add financial data manually, we may collect and store information such as:

financial institution names and account labels;
account names, account type, account subtype, account category, and partial account identifiers such as masked account numbers or last digits;
balances, available balances, credit limits, currencies, and balance dates;
transactions, including dates, amounts, names, merchants, categories, tags, notes, payment channel, pending status, and related metadata;
budgets, spending targets, budget categories, custom categories, rules, and preferences;
hidden, excluded, closed, or manually managed account settings;
financial reports, cash-flow views, net-worth views, and related calculations.

2.5 Plaid-Connected Financial Data

If you use Plaid to connect financial accounts, we may collect and store financial data that you authorize Plaid and your financial institution to provide. Depending on the accounts you select and the features you use, this may include:

account information;
balances;
transactions and transaction history;
merchants, counterparties, categories, and payment details;
investment accounts, securities, holdings, prices, quantities, values, cost basis, and investment transactions;
credit, loan, mortgage, student-loan, and other liability information, such as payment amounts, due dates, interest-rate information, payoff information, overdue status, and past-due amounts;
sync status and related metadata needed to keep your financial data updated.

We use Plaid-connected data to provide user-facing Moo Money features, such as account aggregation, transaction tracking, automated categorization, budgeting, cash flow, reporting, net worth, investments, liabilities, and related Service functionality. We do not sell Plaid-connected data.

You may disconnect a Plaid-connected institution through the Service. When you disconnect an institution, we delete the access credentials or tokens that allow Moo Money to continue retrieving data from that institution. You may choose to keep historical data for manual tracking or delete it where the Service allows. Plaid and your financial institution may separately retain information according to their own policies and legal obligations.

2.6 Investment and Liability Information

If you use investment or liability features, we may collect information such as:

investment accounts, securities, holdings, quantities, prices, values, cost basis, vested quantities, vested values, and investment transactions;
credit-card, loan, mortgage, student-loan, and other liability information;
interest rates, rate type, payment amounts, due dates, payoff dates, origination dates, maturity dates, overdue status, and past-due amounts;
manually entered investment, debt, loan, or account information.

2.7 Real Estate and Property Information

If you use real estate features, we may collect and process information such as:

property addresses;
property type;
bedroom and bathroom count;
square footage;
estimated property values and value ranges;
comparable property information;
property identifiers and related valuation data from RentCast and/or similar property-data providers.

Real estate and valuation information may be estimated, delayed, incomplete, or inaccurate.

2.8 Uploaded Files and Attachments

The Service may allow you to upload transaction attachments, such as receipts, images, PDFs, or supporting documents.

Uploaded files may contain personal information or financial information. We use uploaded files to provide the attachment and recordkeeping features of the Service.

We currently limit transaction attachments to supported PDFs and image files. Uploaded files are subject to size limits, file-type restrictions, and security validation intended to reduce unsafe uploads. Moo Money does not currently use a dedicated third-party antivirus or malware-scanning engine, and no file screening process can guarantee that every unsafe file will be detected.

If a transaction is deleted, its associated attachment is intended to be deleted as well. Attachments are included in account deletion requests, but uploaded attachments may not be included in account export files at this time.

2.9 Billing and Subscription Information

We use Stripe to process subscription payments and manage billing. We may collect and store billing-related information such as:

subscription plan;
subscription status;
billing period;
cancellation status;
invoice, coupon, promotion, or payment-status information;
payment processor customer and subscription identifiers;
limited payment details returned by the payment processor, such as card brand, last four digits, expiration month/year, or billing status.

Moo Money does not intentionally store full card numbers or card security codes. Stripe may process payment information under its own terms and privacy policy.

2.10 Support, Contact, Waitlist, and Communications Information

When you contact us or submit a support request, we may collect:

name;
email address;
subject;
message content;
submission type;
account or household information relevant to your request;
records of our communications with you.

If you join a waitlist or request product updates, such as updates about the Moo Money mobile app, we may collect your email address and use it to send the updates you requested.

2.11 Usage, Device, and Technical Information

When you use the Service, we and our service providers may collect technical and usage information such as:

IP address;
device type;
browser type;
operating system;
pages, screens, or features used;
dates and times of access;
referring pages;
session information;
request, error, performance, and security logs;
cookie, local storage, or similar technology data used for authentication, security, preferences, analytics, and Service functionality.

We do not use this information for targeted advertising.

3. How We Use Information

We use information to:

provide, operate, maintain, and improve the Service;
create, authenticate, and secure accounts;
connect financial accounts at your direction;
retrieve, store, categorize, display, and help you manage financial data;
provide budgets, reports, cash-flow views, net-worth views, investment views, liability views, real estate views, and related calculations;
support household sharing and household collaboration;
process subscriptions, billing, cancellations, coupons, and payment status;
provide support and respond to requests;
send transactional, account, billing, security, and administrative messages;
detect, prevent, and investigate fraud, abuse, security incidents, unauthorized access, or violations of our Terms;
debug, test, monitor, and analyze performance and reliability;
perform analytics about use of the Service;
comply with legal, tax, accounting, regulatory, or contractual obligations;
protect the rights, safety, and property of Moo Money, users, service providers, and others;
enforce our Terms of Service.

Automated Categorization

Moo Money may use automated systems, rules, and AI-assisted tools to categorize transactions or organize financial data. Automated categorization may be inaccurate. You are responsible for reviewing and correcting your own financial information.

Moo Money does not provide financial, investment, tax, legal, lending, accounting, or real estate advice.

4. How We Disclose Information

We disclose information only as described in this Privacy Policy, as directed by you, or as allowed or required by law.

4.1 Household Members

If you are in a household, information associated with that household may be visible to other household members. This includes financial accounts, balances, transactions, budgets, investments, liabilities, real estate information, uploaded attachments, notes, tags, categories, reports, and other household records.

4.2 Service Providers

We may disclose information to service providers that help us operate the Service, such as providers of:

hosting and cloud infrastructure;
database and storage services;
authentication and account security;
payment processing and subscription billing;
financial account connectivity and data aggregation;
real estate or property data;
analytics and performance monitoring;
email, support, and communications;
fraud prevention, abuse prevention, security, debugging, and error monitoring;
professional services such as legal, tax, accounting, and compliance support.

These providers may process information only as needed to provide services to us or as otherwise permitted by their agreements with us and applicable law.

4.3 Plaid, Financial Institutions, and Connected Account Providers

When you choose to connect financial accounts, we may disclose information to Plaid, your financial institutions, and related providers as needed to establish, maintain, update, troubleshoot, or disconnect the connection.

4.4 Stripe and Payment Providers

When you subscribe, update payment information, use the billing portal, apply coupons, or request billing support, information may be disclosed to Stripe or other payment providers as needed to process payments, manage subscriptions, prevent fraud, handle disputes, and comply with payment-related obligations.

4.5 Google Sign-In

If you use Google sign-in, information may be exchanged with Google as needed to authenticate your account and maintain account security.

4.6 Real Estate and Property-Data Providers

If you use real estate features, property-related information may be disclosed to RentCast and/or similar property-data providers as needed to provide property and valuation information.

4.7 Legal, Safety, and Compliance

We may disclose information when we believe it is reasonably necessary to:

comply with law, legal process, or governmental requests;
protect the rights, safety, property, or security of Moo Money, users, service providers, or others;
detect, investigate, or prevent fraud, abuse, security incidents, or technical issues;
enforce our Terms of Service or other agreements;
respond to disputes, chargebacks, audits, tax, accounting, or compliance obligations.

4.8 Business Transfers

If Moo Money is involved in a merger, acquisition, financing, reorganization, sale of assets, bankruptcy, or similar transaction, information may be disclosed or transferred as part of that transaction, subject to this Privacy Policy or a policy that provides materially similar protections.

4.9 With Your Direction or Consent

We may disclose information when you direct us to do so or give us consent.

5. No Sale of Financial Data or Targeted Advertising

We do not sell your financial data.

We do not sell personal information or share personal information for targeted advertising or cross-context behavioral advertising.

We do not disclose financial data to third-party advertising networks.

If our practices change, we will update this Privacy Policy and provide any notices or choices required by law.

6. Cookies and Similar Technologies

We use cookies, local storage, session storage, and similar technologies for purposes such as:

authentication and session management;
account security and fraud prevention;
remembering preferences;
supporting signup, billing, and connected-account flows;
maintaining user interface state;
analytics, performance, and reliability;
debugging and error prevention.

We do not currently use cookies or similar technologies for targeted advertising.

You may be able to control cookies through your browser settings. If you disable certain cookies or storage technologies, parts of the Service may not work properly.

7. Data Retention and Deletion

We keep information for as long as reasonably necessary to provide the Service, maintain your account, comply with legal obligations, resolve disputes, enforce agreements, prevent fraud or abuse, maintain security, and support business records.

7.1 Account Deletion

You may request deletion of your Moo Money account through the Service. You must cancel any active subscription before deleting your account.

After a valid deletion request, Moo Money deletes active account data by the earlier of:

7 days after the deletion request; or
11:00 PM UTC on the last calendar day of the month in which the request was made.

This deletion process is intended to include account data, profile data, household membership, connected-account credentials, financial account data, transactions, investments, liabilities, real estate records, uploaded transaction attachments, support/contact submissions, usage logs, and related records, except where retention is permitted or required as described below.

7.2 Exceptions

We may retain limited information when reasonably necessary for:

legal, tax, accounting, audit, or regulatory obligations;
billing, payment, refund, chargeback, or subscription records;
fraud prevention, abuse prevention, security, or incident response;
resolving disputes;
enforcing agreements;
protecting the rights, safety, and property of Moo Money, users, service providers, or others.

Payment processors, financial institutions, Plaid, Google, property-data providers, and other third parties may retain information according to their own policies and legal obligations.

7.3 Backups

Deleted information may remain in backups for a limited period. We aim to delete or render unrecoverable deleted account data from scheduled backups within the same deletion timeline described above, unless retention is reasonably necessary for legal, security, fraud-prevention, dispute, or compliance reasons.

7.4 Connected Account Disconnection

If you disconnect a financial institution, Moo Money deletes the access credentials or tokens that allow continued retrieval of data from that institution. Historical financial data may remain in Moo Money if you choose to keep it for manual tracking or until you delete it through the Service.

8. Data Exports

The Service may allow you to export some account or financial data. Export files may not include every type of data, and uploaded transaction attachments may not be included in exports at this time.

To request access, correction, export, or deletion of information, contact privacy@moomoney.net or use available in-app tools.

9. Security

We use reasonable administrative, technical, and organizational measures designed to protect information. These measures may include access controls, encryption, authentication safeguards, monitoring, logging, security testing, and other protections appropriate to the nature of the information.

However, no internet service, software product, database, storage system, or transmission method can be guaranteed to be 100% secure. You are responsible for maintaining the confidentiality of your account credentials and promptly reporting suspected unauthorized access.

Admin and Support Access

Moo Money personnel may access user information only when reasonably necessary to operate, secure, troubleshoot, debug, support, improve, or enforce the Service; respond to user requests; investigate suspected fraud, abuse, or security issues; comply with law; or protect the rights, safety, and property of Moo Money, users, service providers, or others.

We aim to limit internal access to the information reasonably needed for those purposes.

10. Your Choices and Rights

Depending on where you live and applicable law, you may have rights to:

access personal information we maintain about you;
correct inaccurate personal information;
delete personal information;
receive a copy of certain information;
withdraw consent where processing is based on consent;
opt out of certain processing, if applicable;
appeal a decision about a privacy request, if required by law;
authorize another person to submit a request on your behalf, where permitted by law.

You can also:

update certain account and profile information in the Service;
disconnect financial institutions;
delete certain manually created records;
leave a household;
cancel your subscription through the billing flow;
contact us for privacy requests at privacy@moomoney.net.

We may need to verify your identity before completing a request. We may deny or limit requests where permitted by law, such as when we cannot verify your identity, when deletion would interfere with legal obligations, or when retention is necessary for security, fraud prevention, disputes, accounting, tax, or compliance purposes.

11. U.S. State Privacy Notice

This section is intended to provide additional information for users in U.S. states with comprehensive privacy laws. Some rights may apply only if Moo Money is subject to the relevant law and you are a resident of that state.

11.1 Categories of Personal Information

In the past 12 months, we may have collected the following categories of personal information:

Category	Examples	Sources	Purposes	Categories of Recipients
Identifiers	Name, email address, account identifiers, IP address	You, your device, service providers, Google sign-in, Plaid	Account creation, authentication, support, requested product updates, security, billing, Service operation	Service providers, household members where applicable, legal/compliance recipients
Account and profile information	Country, timezone, preferences, onboarding information, profile details	You, your device	Personalization, onboarding, support, Service operation	Service providers, household members where applicable
Financial information	Account information, balances, transactions, investments, liabilities, budgets, reports, payment status	You, Plaid, financial institutions, household members, payment providers	Finance tracking, budgeting, reporting, net worth, investments, liabilities, billing, security	Service providers, Plaid, financial institutions, payment providers, household members where applicable
Commercial information	Subscription plan, billing period, coupons, payment status, refund/support history	You, payment providers	Billing, subscriptions, support, accounting, fraud prevention	Payment providers, service providers, legal/compliance recipients
Internet, device, and usage information	IP address, browser/device data, pages/features used, logs, events, security data	Your device, cookies/storage, service providers	Authentication, security, analytics, performance, debugging, fraud prevention	Service providers, legal/compliance recipients
User content	Notes, tags, categories, uploaded attachments, support messages, manually entered records	You, household members	Providing the Service, support, household sharing, recordkeeping	Service providers, household members where applicable, legal/compliance recipients
Property information	Property address, property details, estimated valuations, comparable-property information	You, property-data providers	Real estate tracking and valuation features	Property-data providers, service providers, household members where applicable
Sensitive personal information	Account login information, financial account data, payment-related data, and other sensitive information under applicable law	You, Plaid, financial institutions, payment providers, your device	Providing requested Service features, authentication, billing, security, fraud prevention, legal compliance	Service providers, Plaid, financial institutions, payment providers, household members where applicable
Inferences and preferences	Budgeting preferences, user settings, category preferences, feature usage	You, your use of the Service	Personalization, Service operation, analytics, improvement	Service providers, household members where applicable

11.2 No Sale or Targeted Advertising Sharing

We do not sell personal information, and we do not share personal information for targeted advertising or cross-context behavioral advertising.

11.3 Sensitive Personal Information

We use sensitive personal information only for purposes reasonably necessary to provide and secure the Service, process payments, prevent fraud, comply with law, and perform other purposes allowed by applicable law. We do not use sensitive personal information to infer characteristics for unrelated purposes.

11.4 Non-Discrimination

We will not unlawfully discriminate against you for exercising privacy rights.

12. Canadian Privacy Rights

If you are in Canada, you may have rights under Canadian privacy laws to access personal information we hold about you, request correction of inaccurate information, withdraw consent subject to legal or contractual restrictions, and challenge our privacy practices.

To make a privacy request, contact privacy@moomoney.net. We may need to verify your identity before responding.

13. International Processing

Moo Money is intended for users in the United States and Canada. We and our service providers may process, store, and transfer information in the United States, Canada, and other locations where we or our service providers operate. Privacy laws in those locations may differ from the laws where you live.

14. Children and Minors

The Service is not directed to children or minors. You must be at least 18 years old, or the age of majority in your jurisdiction, to create an account or use the Service.

We do not knowingly collect personal information from anyone under 18. If you believe someone under 18 has created an account or provided personal information to Moo Money, contact privacy@moomoney.net, and we will take appropriate steps.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we will provide notice as required by law, such as by updating the date above, posting a notice in the Service, or sending an account-related message.

Your continued use of the Service after an updated Privacy Policy becomes effective means you acknowledge the updated Privacy Policy.

16. Contact Us

For privacy questions, data requests, deletion requests, or other privacy-related concerns, contact:

Privacy: privacy@moomoney.net
Support: support@moomoney.net