Last Updated: 09/14/2026
Joseph Intelligence LLC (“Company,” “we,” “us,” or “our”) operates the Money MVC mobile application (the “App”).
This Privacy Policy explains how we collect, use, store, process, and protect information when you use the App.
By using the App, you agree to the practices described in this Privacy Policy.
The App is intended for individuals located in the United States who are 18 years of age or older.
We do not knowingly collect personal information from individuals under 18.
We may collect:
You are responsible for the content you submit. We recommend that you do not share highly sensitive personal information such as Social Security numbers or full bank account numbers within chat messages.
We use Auth0 to authenticate users. Through Auth0, we receive:
We do not collect or store passwords.
When you use chat or coaching features:
OpenAI processes submitted content solely to provide AI-generated responses.
We configure our OpenAI API usage in a manner intended to prevent use of submitted data for model training, in accordance with OpenAI’s applicable API data usage policies.
If you choose to connect a financial account to Money MVC through a financial data provider, we may receive and process financial information associated with those accounts.
Such information may include:
This information is used solely to provide budgeting tools, spending analysis, account summaries, financial insights, and personalized coaching features.
Money MVC is designed to avoid storing full account numbers, routing numbers, online banking credentials, or authentication credentials whenever possible.
Money MVC provides AI-powered financial coaching and educational insights.
To generate personalized coaching responses, recommendations, budgeting insights, and spending analysis, certain information may be transmitted to OpenAI and other artificial intelligence service providers.
This information may include:
By using the AI Coach and related features, you consent to the processing of this information by our AI service providers for the purpose of generating responses and insights.
AI-generated responses are provided for informational and educational purposes only and should not be considered financial, investment, tax, accounting, or legal advice.
We may collect limited technical data, including:
We do not use advertising trackers and do not sell personal information.
We use Google Analytics for Firebase, a service provided by Google, to help us understand how the App is installed and used, measure App usage and engagement, evaluate the effectiveness of our marketing and advertising campaigns, and improve the App.
Google Analytics for Firebase may automatically collect limited technical, device, and usage information. Depending on the device, operating system, and configuration of the App, this information may include:
Money MVC does not use Google Analytics for Firebase to intentionally collect precise GPS location information.
We use this information to measure App installations and first opens, understand how users interact with the App, improve App functionality and performance, and determine the effectiveness of advertising and marketing campaigns, including campaigns operated through Google Ads.
We do not use financial account information, transaction information, financial coaching conversations, or other financial information you provide to Money MVC for targeted advertising through Google Analytics for Firebase.
When you accept our Terms of Service and Privacy Policy, we record:
This is stored for compliance and audit purposes.
We use collected information to:
We do not sell personal information.
We use trusted third-party providers to operate the App:
These providers process information on our behalf under contractual obligations designed to protect it.
Google may process analytics information in connection with our use of Google Analytics for Firebase to provide analytics, measurement, and advertising attribution services. We may use this information to understand App usage, measure first opens and other events, evaluate advertising performance, and attribute App installations or activity to advertising campaigns, including campaigns operated through Google Ads.
Google's processing of information is also subject to Google's applicable terms, privacy policies, and data processing commitments.
Money MVC may use third-party financial data aggregation providers and artificial intelligence service providers to deliver certain features of the App.
When you connect a financial account, authorized financial information may be transmitted through these providers to enable account synchronization, budgeting, transaction analysis, and financial coaching features.
When you use AI-powered coaching features, information necessary to generate personalized responses may be transmitted to OpenAI and other AI service providers.
If you disconnect a financial account or delete your Money MVC account, we will stop collecting new financial information from connected accounts and will delete associated financial data from our systems within a commercially reasonable period, subject to legal, operational, fraud-prevention, dispute-resolution, and compliance requirements.
Information previously processed by third-party service providers may remain subject to those providers' independent retention and processing policies.
By connecting financial accounts and using AI-powered coaching features, you acknowledge and consent to this processing.
Data is stored using secure cloud infrastructure, including AWS and Supabase.
AI processing occurs through OpenAI’s secure API services.
We implement commercially reasonable safeguards designed to protect personal information. However, no system can guarantee absolute security.
We use Amazon CloudWatch and related infrastructure tools to monitor system performance, detect errors, and maintain security.
System logs may include:
Logs are used solely for operational, debugging, and security purposes.
We retain information:
You may request deletion of your account at any time.
Analytics information collected through Google Analytics for Firebase is retained in accordance with our Google Analytics retention settings and Google's applicable retention practices. Retention periods may vary depending on the type of information and how it is used.
Certain device-level privacy, analytics, or advertising settings provided by Apple, Google, or your device may affect the availability or use of advertising identifiers, analytics information, or attribution information.
Depending on your state of residence, you may have the right to:
To exercise these rights, contact:
Joseph@JosephIntelligence.com
We may verify your identity before fulfilling requests.
The App is not intended for individuals under 18 years of age.
We may update this Privacy Policy periodically.
If changes are material, we may require renewed acceptance.
Joseph Intelligence LLC
Joseph@JosephIntelligence.com