Privacy Policy

The short version

• Your transactions stay on your device by default. Server sync is opt-in and tied to your account — you control it from Settings.
• We never sell your data. Not to advertisers, not to data brokers, not to anyone.
• Community averages are anonymous and aggregated. Even when you opt in, only counts and medians ever leave your device — and only after at least 30 people in your country have contributed similar data (read how).
• AI processing is opt-in per feature. The master switch lives in Settings → Privacy. Off means no insight, plan, or summary ever talks to a model.
• You can delete everything, any time. Settings → Privacy → Delete my data. We confirm by email before anything is destroyed.

What we collect

On the server (only when you sign in): your email address, an Argon2id password hash, your display name if set, your country / currency / pay schedule, and any transactions you choose to sync. Receipts pulled in via the optional email-import Pro feature are stored as structured transactions only — we never keep the raw email body on the server beyond the few minutes it takes to parse it.

On your device: everything else. Transactions, budgets, plans, Money Health Score history, IOUs, and your guest profile all live in a local SQLite database. Uninstalling the app wipes them.

What we don't collect

• Your bank login credentials. We don't ask for them and we don't connect to your bank.
• The contents of your email. The optional Gmail / Outlook scanner reads receipts and bill notifications — never personal correspondence.
• Location data. Mia doesn't need it and doesn't ask for it.

Your rights

You can export your data, correct it, or delete it from Settings → Privacy at any time. We honor verified deletion requests within 30 days. If you live in a jurisdiction with stronger rights (GDPR, CCPA, etc.), those apply to you too — contact us at privacy@smartmoneyinbox.com and we'll walk you through the process.

Changes to this policy

We'll surface any material change in-app before it takes effect. If you don't agree with a change, you can delete your data and stop using Mia.

Contact

Questions? Email privacy@smartmoneyinbox.com. We read every message.