Privacy Policy

1. Who We Are

FlowMoney ("we," "us," or "our") is a personal finance app for gig workers and self-employed people in the United States. This Privacy Policy explains how we collect, use, and protect your information when you use our mobile application.

Questions? Email us at privacy@flowmoney.app.

2. Information We Collect

Information you provide directly:

• Account info: email address, display name
• Financial profile: average monthly income, work type (Uber, freelance, etc.), US state of residence
• Manual transactions: cash income and expenses you enter yourself
• Goals: savings goals and deadlines you set
• Feedback: in-app survey responses you choose to submit

Collected automatically:

• App usage analytics: screens visited, feature interactions (anonymized)
• Crash reports and error logs (no financial data included)
• Device type, OS version, app version (for compatibility)

Bank connection data (optional):

If you connect a bank account via Teller, we receive read-only transaction data. We never store your bank credentials. Bank data is used only to display your spending summary and is never sold or shared.

3. How We Use Your Information

• To provide and personalize the app (income tracking, tax estimates, budget insights)
• To calculate estimated self-employment taxes based on your state and income
• To generate AI-powered financial insights (FlowAI feature)
• To send optional weekly summaries and reminders (push notifications)
• To improve the app based on aggregated, anonymized usage patterns
• To respond to your support requests

We do not use your financial data for advertising, credit scoring, or any other purpose not listed above.

4. Data Storage and Security

Your data is stored securely using Supabase (PostgreSQL on AWS) with encryption at rest and in transit (TLS 1.2+). Financial profile data is stored server-side to enable cross-device sync.

Manual cash transactions and certain preferences are stored locally on your device and are not transmitted unless you are signed in.

If you discover a security vulnerability, please report it to security@flowmoney.app.

5. Third-Party Services

• Supabase — database and authentication · supabase.com/privacy
• Teller — optional bank account connection · teller.io/legal/privacy
• RevenueCat — subscription management · revenuecat.com/privacy

We do not use Google Analytics, Facebook Pixel, or any advertising networks.

6. Tax Calculations — Disclaimer

FlowMoney provides estimated tax calculations for informational purposes only, based on 2025 IRS figures (Rev. Proc. 2024-40) and Tax Foundation state rates. This is not tax advice.

• Assumes single filing status and the standard deduction ($15,000 for 2025)
• Does not account for QBI deduction, credits, or prior-year payments
• Uses top marginal rate for progressive states (actual liability may be lower)

Always consult a licensed CPA for your actual tax obligations.

7. Your Rights and Choices

• Access — view your personal data stored in FlowMoney
• Correct — update profile info at any time in the app
• Delete — request full account deletion by emailing us
• Opt out of analytics — Profile → Settings → Analytics
• Disconnect bank — remove bank access at any time from the Dashboard
• Export — request a copy of your data at privacy@flowmoney.app

California residents have additional rights under CCPA. Contact us to exercise any of these rights.

8. Children's Privacy

FlowMoney is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, contact us immediately.

9. Changes to This Policy

We may update this policy from time to time. Significant changes will be communicated in the app and by updating the date at the top of this page. Continued use of the app after changes constitutes acceptance of the revised policy.

10. Contact Us

For privacy questions, data requests, or concerns:

We respond to all privacy inquiries within 5 business days.