Privacy Policy

We at MoneyBadger, Inc. (“MoneyBadger,” “we,” “us,” or “our”) have created this privacy policy (this “Privacy Policy”) because we know that you care about how information you provide to us is used and shared. This Privacy Policy relates to our information collection and use practices in connection with our App, and when you interact with us in any other way. By clicking “I AGREE,” checking a box presented in connection with account creation, subscription purchase, or use of certain no-account features, or otherwise manifesting assent where such option is presented to you, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy and the accompanying Terms of Service.

Capitalized terms not defined in this Privacy Policy shall have the meaning set forth in our Terms of Service.

I. The Information We Collect and/or Receive

In the course of operating the App, and/or interacting with you, we will collect (and/or receive) the following types of information. You authorize us to collect and/or receive such information.

1. Contact Information.

When you contact us via email or in any other manner, you will be asked to provide certain information, such as your name, email address, and information regarding your inquiry or request (collectively, the “Contact Information”). The Contact Information is used to provide the requested service or information and to contact you for purposes of direct marketing of our current and future products and services.

2. Account Information.

Certain features of the App, including the Snap paystub-analysis feature, may be available without creating an account or providing your name to MoneyBadger. If you create an account, register, or purchase a Subscription, you will have to provide your name and email address and create a password (collectively, the “Account Information”). We use your Account Information to create and administer your account, including verifying your identity and managing account access. If you provide your email address, we may also use it to send marketing communications, manage waitlist registrations, and deliver access or verification codes.

3. Financial Information.

Depending on how you use the App, you may provide department or employer, years of service, and paystub information that you choose to share, such as pay amounts, deductions, and pay codes. The Snap paystub-analysis feature can be used without creating an account and does not require you to provide your name or email address to MoneyBadger. We do not require your Social Security number or bank account information in paystub images and request that you redact or crop such information before submitting any documents. We prompt you to crop your details, such as your name and address, out of a paystub image before uploading, but we do not automatically detect or remove address information on your device, and server-side redaction applies to extracted text, not the uploaded image.

4. Information Received from Third Parties

We may collect personal information about you from third parties that support our services, including financial data providers. For example, if you choose to link your financial accounts, we use Plaid Inc. (“Plaid”) to securely connect to your financial institution and retrieve your account information. Through this integration, Plaid enables us to access certain financial data on a read-only basis, such as your account balances, transaction history, and account identifying information. We do not receive or store your financial institution login credentials. By linking your financial accounts, you acknowledge and agree that your information will be processed by Plaid in accordance with Plaid’s privacy practices. Plaid may collect, use, and store your information as described in its Privacy Policy (https://plaid.com/legal/#privacy-policy), and you expressly consent to such processing. The information we receive from Plaid may include, depending on how you use our services, your name, contact information, account details, transaction history, and balances. We use this information to provide, maintain, and improve our services, including features that rely on analyzing your financial data. You can disconnect your financial accounts at any time through your account settings or by using the Plaid Portal. Please note that disconnecting Plaid may limit or disable certain features of the services that depend on access to your financial account information.

5. User Content.

You may post and/or upload User Content through the App. We use User Content in accordance with our Terms of Service.

6. Billing Information.

If order to purchase a Subscription, you will be required to provide certain additional information which may include a credit card number, expiration date, billing zip code, activation code, bank information, and similar information (“Billing Information”). Such Billing Information will be collected and processed by our Third-Party Payment Processors pursuant to the terms and conditions of their privacy policies and terms of use. We do not directly obtain, store or process any Billing Information.

7. Information obtained automatically from your online activity.

When you access or use the App, we use cookies, pixels, device identifiers, local storage technologies, and similar technologies (collectively, “Tracking Technologies”) to automatically collect or receive certain standard technical information and other data (such as traffic data, usage data (including, but not limited to, features used, frequency and duration of App usage, and interactions with content on the App), location data (where you have enabled location services), device information (including, but not limited to, type of device, mobile device platform, operating system and version, unique device identifiers, screen resolution, IP address and other technical information), logs and other communications data) sent to us by your mobile device, or any other device over time via our App. We may also evaluate your device to identify any malicious software or activity that may affect the availability of our App. When you access or use the App, analytics providers and other third parties may use Tracking Technologies to collect information about your online activities over time and across different apps, online services, and devices. The data we or third parties collect automatically may include personal information and/or statistical data that may not identify you personally; however, we or third parties may maintain, combine, or associate it with personal information collected in other ways or received from third parties. We and/or third parties use this information to (i) enhance the performance and functionality of our App; (ii) personalize your experience with the App, understand how you use our App, maintain a persistent session, and improve and further develop our App; and (iii) provide custom experiences and for analytics purposes The Tracking Technologies used on the App include the following, among others: Cookies: Cookies are small packets of data that a website stores on your computer’s hard drive so that your computer will “remember” information about your visit. In addition to collecting information, we use cookies to help us authenticate users, provide content of interest to you, analyze which features you use most frequently, and measure and optimize advertising and promotional effectiveness. To do this, we may use both session cookies, which expire once you close your web browser, and persistent cookies, which stay on your computer until you delete them. For information regarding your choices regarding Cookies, please see Section III of this Privacy Policy. Device Identifiers: Our current iOS App does not use tracking technologies that require Apple’s App Tracking Transparency permission. If we introduce mobile tracking technologies in the future, we may collect and use device identifiers, such as the Identifier for Advertisers (IDFA) or Identifier for Vendors (IDFV), to recognize your device, understand how you use our App, and deliver relevant content. Consistent with Apple's App Tracking Transparency framework, we will request your permission before collecting information used to track you across apps and websites owned by other companies. Local Storage Technologies: We may use local storage technologies, like HTML5, that provide cookie-equivalent functionality but can store larger amounts of data on your device outside of your browser in connection with specific applications.

8. Information obtained from third-party analytics services.

We use third-party analytics services to evaluate your access and use of the App, compile reports on activity, collect demographic data, analyze performance metrics, and collect and evaluate other information relating to device and internet usage. These third-party analytics services use cookies and other Tracking Technologies to help analyze and provide us with data. By accessing or using the App, you consent to the processing of data about you by these analytics providers in the manner and for the purposes set out in this Privacy Policy. The information used by such analytics services is generally at the aggregate level. Google and other services may associate such data with visitation information collected from the App. We may add to or change these third-party analytics services from time to time. For more information on our analytics services, including how to opt out from certain data collection, please visit the sites below. Please be advised that if you opt out of any service, you may not be able to use the full functionality of the App. If you have any questions, or to request a current list of our third-party analytics services, please contact us as set forth in Section XII (“How to Contact Us”).

For more information about Plausible, including how to opt-out from certain data collection, please visit https://plausible.io/

9. Interest-Based Advertising.

We use advertising technologies, including the Meta Pixel, Google Ads, and the Reddit Pixel to understand how users interact with our App and to deliver targeted advertising on social media platforms and other online services. These technologies help us measure the effectiveness of our advertising by tracking actions taken after you are redirected to our App from an advertisement. They use cookies and similar technologies to collect information about your interactions with our App, which may be shared with Meta, Google, Reddit. While we do not receive information that directly identifies you through these technologies, we may receive aggregated or de-identified insights about the performance of our advertising. Meta, Google, Reddit, and their partners may associate the information collected through these technologies with your account or profile on their services and use it for their own purposes, including to provide targeted advertising, in accordance with their respective privacy policies. You can manage your preferences for personalized advertising through the applicable platform Settings. You may also opt out of certain targeted advertising through industry opt-out tools such as those provided by the Digital Advertising Alliance.

II. How We Use and Share the Information

In addition to the uses of information described elsewhere in this Privacy Policy, we may also use and share your personal information as set forth below:

• To provide the App and customize the content you see on the App, including decode your paycheck, build your budgeting plan, surface forgotten subscriptions and fees, and provide educational resources;
• To solicit your feedback, inform you about our products and services and those of our third-party marketing partners;
• To monitor, support, analyze, and improve the App;
• To communicate with you regarding the App;
• To fulfill your requests for information regarding new or improved products and services;
• To engage in marketing, advertising, and tracking activities, and evaluate the efficacy of our efforts, provided that, where required under applicable law, we will obtain your prior opt-in consent to send electronic marketing communications and/or our newsletter;
• To engage in research, project planning, troubleshooting problems, and detecting and protecting against error, fraud, or other criminal activity;
• To protect the safety and security of our App, business, and customers;
• To third-party contractors, service providers, and sub-processors that assist us with the operation of our business and assistance with the App, such as technical support providers for our App, payment processors such as Stripe, financial data providers such as Plaid, AI processing providers such as Anthropic, analytics providers such as Plausible, marketing and advertising companies, consulting service organizations, IT and cloud service providers, among others;
• Certain features and functionality of the App are powered by artificial intelligence and machine learning technologies provided by third‑party AI model providers, including Anthropic, PBC. To read a paystub or other financial document, the uploaded image may be transmitted to Anthropic’s API to be transcribed and analyzed. Anthropic processes the data solely on our behalf and in accordance with our instructions to provide the requested services and is contractually prohibited from using personal data to train, improve, or develop its own models or for any purpose other than providing services to us and may retain inputs and outputs for a limited period, generally up to approximately thirty (30) days, for trust and safety purposes before deletion.
• To create and use de-identified, aggregated data to develop and improve our products and models.
• To create and disclose aggregated, anonymous, user statistics and other information to (i) affiliates, agents, business partners, and other third parties; (ii) describe the App to current and prospective business partners; and (iii) other third parties for lawful purposes;
• To share some or all of your information with our parent company, subsidiaries, affiliates or other companies under common control with us;
• To fulfill our legal and regulatory requirements;
• To comply with applicable law, such as to comply with a subpoena, or similar legal process, and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request;
• To assess or complete a corporate sale, merger, reorganization, sale of assets, dissolution, investment, or similar corporate event where we expect that your personal information will be part of the transferred assets;
• To audit our internal processes for compliance with legal and contractual requirements or our internal policies;
• To prevent, identify, investigate, and deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft; and
• Otherwise, with your consent.

We will take reasonable measures (e.g., by contract) to require that any party receiving any of your personal information from us, including for purposes of providing the App, undertakes to: (i) retain and use such information only for the purposes set out in this Privacy Policy; (ii) not disclose your personal information except with your consent, as permitted by applicable law, or as permitted by this Privacy Policy; and (iii) generally protect the privacy of your personal information.

III. Your Choices

Update Information: If the personal information we have for you changes, you may correct, update, or delete it by contacting us as set forth in Section XII of this Privacy Policy. You may correct, update, or delete some of your personal information directly in your account on the App. We will use commercially reasonable efforts to process all such requests in a timely manner. You should be aware, however, that it is not always possible to completely remove or modify information in our databases. Additionally, we will retain and use your information (or copies thereof) as necessary to comply with our legal and/or regulatory obligations, resolve disputes, and enforce our agreements. Marketing Communications: You may manage your receipt of marketing and non-transactional communications by clicking on the “unsubscribe” link located on the bottom of any of our marketing emails. Please note that you cannot opt out of receiving transactional e-mails. Cookie Management: Most browsers let you remove or reject cookies. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change their settings. Please note that if you set your browser to disable cookies or other Tracking Technologies, the App may not work properly. For more information about cookies, including how to see what cookies have been set on your browser and how to manage and delete them, visit www.allaboutcookies.org. You will need to apply these opt-out settings on each device from which you wish to opt-out. We cannot offer any assurances as to whether the companies we work with participate in the opt-out programs described above.

IV. How We Protect the Information

We take commercially reasonable steps to protect your information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. Please understand, however, that no security system is impenetrable. We cannot guarantee the security of our databases or the databases of the third parties with which we may share such information, nor can we guarantee that the information you supply will not be intercepted while being transmitted over the Internet. In particular, e-mail sent to us may not be secure, and you should therefore take special care in deciding what information you send to us via e-mail.

V. External Sites

The App may also contain hyperlinks to other third-party websites or apps (“External Sites”). We have no control over the privacy practices or the content of any of our business partners, advertisers, sponsors, or External Sites to which we provide hyperlinks. As such, we are not responsible for the content or the privacy policies of those External Sites. You should check the applicable third-party privacy policy and terms of use when visiting any External Sites.

VI. Children’s Information

Our App is not directed to children under the age of 18, and you must confirm that you are 18 years or older in order to create an account or use our App. We do not knowingly collect personal information from children under the age of 18 through the App. If you are under 18, please do not give us any personal information. We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce our Privacy Policy by instructing their children never to provide personal information through the App without their permission. If you have reason to believe that a child under the age of 18 has provided personal information to us, please contact us, and we will endeavor to delete that information from our databases.

VII. Important Notice to Non-U.S. Residents

The App and its servers are operated in the United States. If you are located outside of the United States, please be aware that your information, including your personal information, may be transferred to, processed, maintained, and used on computers, servers, and systems located outside of your state, province, country, or other governmental jurisdiction where the privacy laws may not be as protective as those in your country of origin. If you are located outside the United States and choose to use the App, you consent to any transfer and processing of your personal information in accordance with this Privacy Policy, and you do so at your own risk.

VIII. DO NOT TRACK

As described above, third parties such as analytics providers and advertising partners may automatically collect information about your online activities over time and across different online services when you access or use the App. Some web browsers and devices offer a “Do Not Track” (“DNT”) preference or similar signals intended to provide users with control over online tracking. However, there is currently no industry‑wide standard for recognizing or responding to these signals. As a result, at this time, we do not monitor, recognize, or respond to “Do Not Track” signals or other similar opt‑out mechanisms, including signals transmitted by web browsers, mobile operating systems, or other device settings.

IX. Notice to California Residents

Pursuant to Section 1798.83 of the California Civil Code, residents of California have the right to obtain certain information about the types of personal information that companies with whom they have an established business relationship (and that are not otherwise exempt) have shared with third parties for direct marketing purposes during the preceding calendar year, including the names and addresses of those third parties, and examples of the types of services or products marketed by those third parties. If you wish to submit a request pursuant to Section 1798.83, please contact us via email at privacy@moneybadger.us.

X. Data Retention.

You may request deletion of your account and associated data at any time by contacting us or using available in-App functionality. Upon account deletion, we will delete your account, plan information, stored transaction data, and any stored paystub information associated with your account in accordance with our deletion and retention practices, generally within 30 days. We will also disconnect any linked financial institutions within that period, unless a shorter period is required by applicable law. Paystub images submitted through Snap are transiently stored and automatically deleted when the read completes, in all cases within approximately one hour. Extracted paystub information, such as pay amounts, deductions, pay codes, and pay dates, may be stored in connection with your account to provide paystub history and related account features. We do not store your name, Social Security number, or paystub images as part of this functionality. If you participate in a pilot or beta program, we will purge your data at the conclusion of the pilot unless you request that your account remain active. You may also unlink connected financial accounts at any time directly within the App; however, previously collected information may still be retained for a limited period as described herein. Otherwise, we retain personal information only for as long as necessary to provide the App, fulfill the purposes described in this Privacy Policy, and comply with our legal, regulatory, and contractual obligations.

XI. Changes to This Privacy Policy

This Privacy Policy is effective as of the date stated at the top of this Privacy Policy. We may change this Privacy Policy from time to time with or without notice to you. Any such changes will be posted on the App. By accessing and/or using the App after we make any such changes to this Privacy Policy, you are deemed to have accepted such changes. Please be aware that, to the extent permitted by applicable law, our use of your information is governed by the Privacy Policy in effect at the time we collect the information. Please refer back to this Privacy Policy on a regular basis.

XII. How to Contact Us

If you have any questions about this Privacy Policy or to report a privacy issue, please contact us in one of the following ways:

Email: privacy@moneybadger.us

Or write to us at:

MoneyBadger, Inc. 1280 Lexington Ave FRNT 2 #1237 New York, NY 10028