Privacy Policy

Last updated: November 6, 2026

MoneyFlow S.r.l. operates the web application available at trymoneyflow.com. This policy describes how we collect, use, share and protect your personal and financial data, in compliance with the General Data Protection Regulation (GDPR) and Italian law.

1. Data Controller

MoneyFlow S.r.l., Via della Finanza 12, 20121 Milano, Italy. Email: info@trymoneyflow.com.

2. Data we collect

When you use MoneyFlow, we may collect:

Profile data: name, email, any demographic information you choose to provide.
Financial data: transactions (description, amount, date, category), budgets, savings goals, spending habits you voluntarily record.
Technical data: IP address, browser type, operating system, pages visited, timestamp – necessary for functionality and security.
Origin: the channel you first came to the app from (for example this website or one of our posts), recorded once at your first sign-in. It tells us which channels work, on the basis of legitimate interest, and it is deleted with your account.
Behavioral data: spending patterns, emotional/rational classifications you assign to your transactions – this data is pseudonymized and used only to provide personalized insights.

3. How we use your data

The purposes of processing include:

Provide, manage and personalize MoneyFlow services, including AI behavioral analysis, forecasts and Monte Carlo simulations.
Improve the app, develop new features and train AI models anonymously and in aggregate.
Service communications (e.g., updates, reminders to log transactions) and, with your consent, promotional offers.
Comply with legal and tax obligations, handle GDPR rights requests.

4. Legal basis for processing

We process your data based on: contract execution (Terms of Service), legitimate interest (service improvement and security), legal obligations and explicit consent for advanced profiling and marketing.

5. Sharing with third parties

We do not sell or rent your personal data. We may share limited data with:

Technical service providers: hosting (EU servers), databases, monitoring (pseudonymized data only). All providers are GDPR compliant.
Stripe, for payments: if you take out the PRO subscription, Stripe receives your email address and processes the payment details you enter on its page; we do not store your card details. The transfer of this data to the United States is described in section 6.
Legal authorities: if required by law or to protect our rights.

We use only anonymized analytics tools (Google Analytics with IP anonymization). Your financial data is never shared with advertisers or non-essential third parties.

6. Data transfer

App data is stored on servers located in the European Union (AWS eu-central-1) and is not transferred outside the European Economic Area (EEA). The exception is payment data for the PRO subscription: it is processed by Stripe, which may transfer it to the United States on the basis of the EU-U.S. Data Privacy Framework, in which Stripe participates, and of the standard contractual clauses approved by the European Commission.

7. Data retention

We retain your financial data as long as you have an active account. Upon account deletion, we delete personal data within 30 days. Anonymous aggregated data may be kept for statistical purposes.

8. Your GDPR rights

You have the right to access, rectification, erasure ("right to be forgotten"), restriction of processing, data portability, objection to processing based on legitimate interest, and withdrawal of consent at any time. You can exercise your rights by sending an email to info@trymoneyflow.com. We will respond within 30 days.

9. Data security

We implement appropriate technical and organizational measures: end-to-end encryption in transit (TLS 1.3) and at rest (AES-256), restricted staff access, two-factor authentication for administrators, encrypted backups.

10. Changes to this policy

Any updates will be posted on this page with the revision date. We will notify you by email for substantial changes.

11. Data protection contacts

For any privacy-related questions or to report a breach, contact our Data Protection Officer (DPO) at info@trymoneyflow.com.

MoneyFlow is committed to full transparency. You can export or delete all your data at any time from app settings.