Privacy Policy

Last updated: February 8, 2026

1. Information We Collect

We collect information you provide directly and information collected automatically:

Information You Provide

  • Account information (email address, password)
  • Financial data you enter (transactions, budgets, accounts, categories)
  • Payment information for subscription billing
  • Communications you send to us

Information Collected Automatically

  • Device and browser information
  • IP address and general location
  • Usage data (features used, interactions with the Service)
  • Cookies and similar technologies

2. How We Use Your Information

We use your information to:

  • Provide and maintain the Service
  • Process your transactions and manage your subscription
  • Send you service-related communications
  • Improve and develop new features
  • Protect against fraud and abuse
  • Comply with legal obligations

3. Bank Account Linking

If you choose to link your bank accounts, we use secure third-party services to connect to your financial institutions. These services access your transaction data on your behalf. We do not store your bank login credentials. When bank linking is enabled, we will provide links to our providers' privacy policies.

4. Data Security

We implement industry-standard security measures to protect your data:

  • All data transmitted using TLS/HTTPS encryption
  • Secure authentication with encrypted passwords
  • Row-level security ensuring data isolation between users
  • Regular security assessments and updates

While we take security seriously, no system is completely secure. We cannot guarantee absolute security of your data.

5. Our Promise: We Will NEVER Sell Your Data

This is not marketing speak. This is a core principle of how we operate.

Your financial data is deeply personal. We understand that trusting us with this information is a big deal. That's why we make this promise: We will never sell, rent, trade, or monetize your personal or financial data. Period.

Our business model is simple: you pay a subscription, and we provide a great budgeting tool. We don't need to sell your data because you are our customer, not advertisers or data brokers.

We keep our prices low because our mission is to help people achieve better financial health—not to maximize profit by exploiting the very data you trust us to protect.

6. Limited Data Sharing

We only share data when absolutely necessary to provide the service:

  • Service providers: Companies that help us operate (payment processing, hosting)
  • Stripe Financial Connections: If you choose to link bank accounts
  • Legal requirements: When required by law or to protect our rights
  • Business transfers: In connection with a merger or acquisition (your data rights would transfer with you)

We do not use your data for advertising. We do not share it with marketing partners. We do not sell anonymized or aggregated data.

7. Data Retention

We retain your data for as long as your account is active or as needed to provide services. You may request deletion of your account and associated data at any time. Some data may be retained as required by law or for legitimate business purposes.

8. Your Rights

You have the right to:

  • Access: Request a copy of your personal data
  • Export: Download your data using our built-in export feature
  • Correction: Update inaccurate information
  • Deletion: Request deletion of your account and data
  • Portability: Receive your data in a machine-readable format

To exercise these rights, use the settings in your account or contact us at contact@meridianmoney.app

9. Cookies & Analytics

We use essential cookies required for the Service to function, including authentication tokens. You can control cookies through your browser settings, though disabling essential cookies may prevent you from using the Service.

We use PostHog for product analytics to understand how the Service is used and to improve the experience. PostHog may collect page views, device information, and general usage patterns. We do not use this data for advertising or share it with third parties. You can learn more about PostHog's privacy practices at posthog.com/privacy.

10. Children's Privacy

The Service is not intended for children under 13 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us.

11. International Data Transfers

Your data may be processed in countries other than your own. We ensure appropriate safeguards are in place for international transfers.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by email or through the Service. The "Last updated" date at the top indicates when changes were made.

13. Contact Us

For privacy-related questions or to exercise your rights, contact us at:
Email: contact@meridianmoney.app