MoneyLens AI
Privacy Policy
Updated September 2, 2026
This Privacy Policy describes how MoneyLens AI ("we," "our," or "us"), operated by FMA, collects, uses, stores, and shares information when you use our iOS, Android, and web applications and related services (the "App") at https://moneylensai.ca.
USE AT YOUR OWN RISK. MoneyLens AI is a personal finance tracking tool. You choose to upload statements, screenshots, and other financial records. We do not guarantee that your data will be secure, accurate, complete, available, or free from loss, theft, unauthorized access, or disclosure. You assume all risk related to your data and to any financial decision you make using the App.
By creating an account or using the App, you agree to this Privacy Policy and to the Terms of Use. If you do not agree, do not use the App and do not upload financial information.
1. We are not a bank, advisor, or custodian
MoneyLens AI does not hold your money, execute trades, file taxes, or provide financial, investment, tax, accounting, or legal advice. We never ask for your bank, brokerage, or card login password. You upload files and photos you choose. Insights, categories, projections, and alerts are estimates generated by software (including third-party AI). They can be wrong. You are solely responsible for checking numbers against your own statements and for every decision you make.
2. Information we collect
Depending on how you use the App, we may collect:
- Account information: email address, phone number, name or display name, and sign-in identifiers from Google, Sign in with Apple, or phone OTP.
- Financial records you upload or enter: statement PDFs, screenshots of card, bank, or brokerage apps, extracted transactions, balances, holdings, debts, due dates, categories, and related notes.
- Household information: membership, invites you send (email or phone), and data other members share into a household you join.
- Device and usage data: app version, operating system, approximate diagnostics, and push-notification tokens if you enable alerts.
- Purchase status: whether you subscribe to Pro. Apple, Google, or our payment processor handle card details. We do not store your full payment card number.
We do not sell your personal or financial information.
3. How we use information
We use information to operate the App: parse uploads, categorize spend, show wealth and debt dashboards, generate insights and chat replies, send alerts you configure, manage households, process subscriptions, fix bugs, prevent abuse, and comply with law.
4. AI and third-party processors
To extract text from statements and screenshots and to generate insights or chat replies, we send content you upload or questions you ask to infrastructure and AI providers. Those providers process data under their own terms and privacy policies. We are not responsible for their systems, retention, incidents, or use of data.
- Amazon Web Services (AWS): hosting, storage, and related infrastructure.
- MongoDB: database storage of account and financial records.
- OpenAI and/or DeepSeek: AI extraction, categorization, insights, and chat.
- Google: sign-in, Firebase Analytics, crash reporting, and optional push messaging.
- Apple App Store / Google Play / other payment processors: in-app purchases and subscriptions.
If you do not want a third party to process a document, do not upload it.
5. Data storage, security, and your risk
We use commercially reasonable measures such as HTTPS/TLS in transit and access controls on our infrastructure. That is not a guarantee. No method of electronic storage or transmission is 100% secure.
YOU UPLOAD AND STORE FINANCIAL DATA AT YOUR SOLE RISK. To the maximum extent permitted by law, FMA and MoneyLens AI are not responsible or liable for loss, corruption, theft, unauthorized access, disclosure, alteration, or unavailability of your data; for errors in extraction or insights; for third-party breaches; or for any resulting financial, tax, credit, or other harm. If you need bank-grade custody or guaranteed confidentiality, do not use this App.
You may redact account numbers, SSNs, or other identifiers before upload. You are responsible for what you share with a household and for keeping your sign-in credentials private.
6. When we share information
We may share information with service providers who help us run the App; with household members you invite or join; if required by law, legal process, or to protect rights and safety; or in connection with a merger, sale, or transfer of assets. We do not sell your data.
7. Retention and deletion
We keep account and imported records while your account is active so the dashboard can work across devices. You can deactivate your MoneyLens AI account in the iOS or Android app: sign in, open Settings from the account menu, tap Delete account at the bottom, and complete every confirmation. You can also sign in at https://moneylensai.ca/app/delete-account. We soft-delete only: sign-in is turned off immediately, and associated records stay stored internally. We never permanently erase that data. Encrypted backups and logs may retain copies for up to 90 days. We may also retain information as required by law or to resolve disputes. Payment processors and app stores keep their own purchase records.
8. Your choices
- Do not upload files you do not want processed.
- Revoke camera, photos, or notification access in device settings.
- Leave a household or stop inviting others.
- Request access or correction by emailing us. We may need to verify the account. To deactivate an account, use Settings → Delete account in the app, or https://moneylensai.ca/app/delete-account.
9. Children's privacy
The App is not directed to children under 13 (or the minimum age in your country). We do not knowingly collect personal information from children. If you believe we have, contact us and we will delete it.
10. International processing
We and our providers may process information in the United States, Canada, and other countries. Those locations may have different data-protection laws than your home country. By using the App you consent to that transfer and processing.
11. Changes
We may update this policy. The "Updated" date will change. Continued use after a posted update means you accept the revised policy. If you do not agree, stop using the App and delete your account.
12. Contact
Privacy questions: [email protected]. Support: [email protected]. Developer: FMA. App: MoneyLens AI.