Privacy Policy

Effective Date: February 5, 2026 | Last Updated: February 5, 2026

1. Introduction

Money Terminal, LLC ("Company," "we," "us," or "our"), a Delaware Limited Liability Company, operates the website getmoneyterminal.com and the Money Terminal application (collectively, the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

This Privacy Policy is designed to comply with the California Consumer Privacy Act (CCPA), the California Online Privacy Protection Act (CalOPPA), the California Privacy Rights Act (CPRA), and the General Data Protection Regulation (GDPR) where applicable.

By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree, please discontinue use of the Service immediately.

2. Information We Collect

2.1 Information You Provide Directly

• Account Information: Name, email address, and password when you create an account.
• User Preferences: Financial goals, pay schedule, and privacy tier preferences.
• Communications: Information you provide when contacting us for support.

2.2 Information Collected via Third-Party Services (Plaid)

We use Plaid Inc. to facilitate secure connections to your financial institutions. By using our Service to connect your bank accounts, you expressly grant Money Terminal, LLC and Plaid Inc. the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your designated financial institution(s).

Information collected via Plaid may include:

• Account information (account name, type, balance)
• Transaction history (date, merchant, amount, category)
• Account holder information (name associated with accounts)
• Recurring transaction patterns

Plaid's use of your information is governed by their privacy policy, available at: https://plaid.com/legal/#end-user-privacy-policy

2.3 Information Collected Automatically

• Device Information: Browser type, operating system, device identifiers.
• Log Data: IP address, access times, pages viewed, and referring URLs.
• Cookies and Similar Technologies: We use essential cookies for authentication and session management.

3. AI Sub-Processing and Data Handling

4. How We Use Your Information

We use your information for the following purposes:

• To provide, maintain, and improve our Service
• To generate personalized financial insights, forecasts, and recommendations
• To categorize and analyze your transactions
• To detect recurring payments and subscriptions
• To communicate with you about your account and updates to the Service
• To respond to your inquiries and provide customer support
• To comply with legal obligations and protect our legal rights
• To detect, prevent, and address fraud, abuse, or security issues

5. Do Not Track Disclosure (CalOPPA)

Pursuant to the California Online Privacy Protection Act (CalOPPA), we are required to disclose how we respond to "Do Not Track" (DNT) browser signals.

Money Terminal, LLC does NOT honor Do Not Track signals. Because there is no accepted standard for how to respond to DNT signals, we do not alter our data collection and use practices when we detect such a signal from your browser.

6. How We Share Your Information

We do NOT sell, rent, or trade your personal information to third parties for marketing purposes.

We may share your information in the following circumstances:

• Service Providers: With third-party vendors who perform services on our behalf, including Plaid Inc. (bank connectivity) and Google LLC (AI processing), subject to confidentiality obligations.
• Legal Compliance: When required by law, court order, or governmental regulation.
• Protection of Rights: To protect the rights, property, or safety of Money Terminal, LLC, our users, or others.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, in which case you will be notified of any change in ownership or use of your information.

7. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information. These measures include:

• TLS 1.2+ encryption for all data in transit
• Encryption of sensitive data at rest
• Regular security assessments and monitoring
• Access controls limiting employee access to personal information

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. When you delete your account, we will delete or anonymize your personal information within 30 days, except as required for legal compliance, dispute resolution, or fraud prevention.

9. Your Rights

9.1 Rights for California Residents (CCPA/CPRA)

If you are a California resident, you have the following rights:

• Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected about you.
• Right to Delete: Request deletion of your personal information, subject to certain exceptions.
• Right to Correct: Request correction of inaccurate personal information.
• Right to Opt-Out of Sale: We do not sell personal information, but you may still submit an opt-out request.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

9.2 Rights for EEA/UK Residents (GDPR)

If you are located in the European Economic Area or United Kingdom, you have the following rights:

• Right of Access: Request access to your personal data.
• Right to Rectification: Request correction of inaccurate data.
• Right to Erasure: Request deletion of your personal data.
• Right to Restrict Processing: Request restriction of processing under certain circumstances.
• Right to Data Portability: Request transfer of your data to another controller.
• Right to Object: Object to processing based on legitimate interests.
• Right to Withdraw Consent: Withdraw consent at any time where processing is based on consent.

9.3 How to Exercise Your Rights

10. Children's Privacy

Our Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately. If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete that information.

11. International Data Transfers

Your information may be transferred to and processed in the United States or other countries where our service providers operate. These countries may have data protection laws different from your country. By using our Service, you consent to the transfer of your information to the United States and other jurisdictions. We ensure appropriate safeguards are in place for international transfers in compliance with applicable law.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will notify you by updating the "Last Updated" date at the top of this page and, where required by law, providing additional notice (such as via email or a prominent notice on our Service). Your continued use of the Service after any changes constitutes acceptance of the updated Privacy Policy.

13. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at: