MyWallet AI

Privacy Policy

Effective / Last Updated: September 14, 2026

Introduction

MyWallet AI ("we," "our," or "the app") respects your privacy and is committed to protecting your personal information. This policy explains what information we collect, how we collect it, how we use it, and when it may be shared with third parties (including optional third-party AI services).

No Tracking

MyWallet AI does not track you. The app does not use the Identifier for Advertisers (IDFA), does not include advertising SDKs, does not include analytics SDKs, does not collect crash reports, and does not sell or share data with data brokers. Because the app does not track users across apps or websites owned by other companies, Apple's App Tracking Transparency (ATT) prompt is not used.

Information We Collect

MyWallet AI collects only the information needed to provide the product:

• Account information: name, email address, and user ID when you sign in with Google or Sign in with Apple
• Wallet data you enter: expenses, income, budgets, savings goals, subscriptions, wallet balances, notes, merchants, categories, amounts, and dates
• AI assistant content (optional): questions and messages you send to the in-app AI assistant, plus related conversation context, only when you use AI features

You choose what financial information you enter into the app. We do not require bank login credentials or access your bank accounts. We do not collect app usage analytics, crash reports, advertising identifiers, or other automatically generated tracking data.

How We Collect Information

We collect information in these ways only:

• Directly from you: when you create wallet records, chat with the AI assistant, or manage settings
• From sign-in providers: when you use Google Sign-In or Sign in with Apple (such as name, email, and user ID)
• From your device storage / optional cloud backup: wallet data stored locally on your device and, if you sign in and enable sync, backed up with Firebase for account sign-in and backup only

How We Use Information

We use information solely to:

• Provide wallet management (budgets, expenses, savings, and related features)
• Authenticate your account and back up or sync your wallet data across your devices (when you sign in)
• Provide optional AI-powered insights after you grant in-app permission
• Respond to support and privacy requests

We do not use your data for advertising, cross-app tracking, or selling to third parties.

Third-Party AI Services & Permission

MyWallet AI can optionally use third-party AI services to analyze user-provided financial information and chat messages in order to generate insights, summaries, budgeting recommendations, spending analysis, and natural-language answers.

When cloud AI features are enabled and you have granted permission in the app, MyWallet AI may transmit the following data to the selected third-party AI provider:

• Your current question / chat messages
• Recent assistant conversation history needed for context
• Relevant wallet context retrieved for your question (for example transactions, categories, amounts, dates, budgets, savings goals, and subscriptions)

Who receives the data: depending on the provider you select in the app, data may be sent to one of:

• OpenAI (Chat Completions API)
• Google (Gemini / Google AI API)
• Anthropic (Claude API)
• DeepSeek (Chat Completions API)

Permission required before sharing: MyWallet AI does not send personal or financial data to a third-party AI service until you give explicit permission in the app. The in-app disclosure explains what data will be sent, who will receive it, and why. You may decline; if you decline, cloud AI features that require third-party processing will not run. You can revoke permission later in Settings.

These AI providers are required to protect user data under their contractual and privacy obligations and to provide the same or equal protection for personal data shared with them for this purpose. AI-generated responses are informational only and should not be considered professional financial advice.

Other Data Sharing

MyWallet AI does not sell personal information and does not share data for advertising or tracking.

Outside optional third-party AI processing (described above), information may be shared only with:

• Firebase (Google): for sign-in and cloud backup / sync only
• Google Sign-In and Sign in with Apple: for authentication only

We do not use analytics services, crash-reporting services, advertising networks, or push-notification marketing providers. All service providers we do use are required to protect user data with the same or equal protection standards appropriate to their role.

Data Security

We use industry-standard security measures to protect user information, including encrypted communication (such as HTTPS/TLS) where applicable.

Data Retention

Information is retained only as long as necessary to provide services, operate the app, or comply with legal obligations. If you delete your account or request deletion, we remove or anonymize personal data except where retention is required by law.

User Rights

Users can:

• Access their information
• Correct inaccurate information
• Delete their account
• Request deletion of personal data
• Grant or revoke permission for third-party AI data sharing in the app
• Contact support with privacy requests

Children's Privacy

MyWallet AI is not intended for children under 13 years old, or the minimum age required by applicable local law.

Changes to This Policy

This Privacy Policy may be updated periodically. Continued use of the app after updates indicates acceptance of the revised policy. Please review this page regularly. The Last Updated date at the bottom of this page will change when the policy is revised.