Privacy Policy

MoneyScope ("MoneyScope", "we", "us") is a bill and payment tracker operated by Mir Sameer Irfan, an individual based in Ontario, Canada. This policy explains what personal information MoneyScope collects, why, who it is shared with, and the choices you have. It applies to money-scope.app and the MoneyScope service. Questions: info@money-scope.app.

What we collect

• Account information: your name, email address, and password. Your password is stored only as a salted hash; we cannot read it.
• What you enter: the credit cards, loans, and recurring bills you add, such as their names, providers or last four digits, amounts, due dates, balances, categories, and the payments you mark as paid. Do not enter full card or account numbers; MoneyScope does not need them.
• Smart add (coming soon): once it is available, if you use "Fill in from a bill", the text, photo, or PDF you add is sent to Anthropic's Claude to read the payment details. MoneyScope does not store it; we only record that you made a request, to limit daily use.
• Technical information: the IP address and browser details of each signed-in session, short-lived counters keyed by IP address that limit repeated sign-in attempts, and server logs kept by our hosting provider. When the app hits an error, a report with technical details of the error and the page address is sent to our error monitoring service; these reports do not include your cookies, passwords, or the contents of forms.

MoneyScope does not connect to your bank, does not make payments, and does not collect payment card numbers.

How we use it

• To provide the service: store your payments, show your dashboard, and keep you signed in.
• To send account emails: email verification and password resets only. We do not send marketing or reminder emails.
• To keep the service secure and working: prevent abuse, limit repeated sign-in attempts, and find and fix errors.

We do not sell your personal information, use it for advertising, or share it with anyone for their own marketing.

Who we share it with

Only with the service providers that run MoneyScope for us, and only as needed for the service:

• Netlify hosts the website and runs the app.
• Supabase hosts the database that stores your account and payments.
• Resend delivers our emails.
• Sentry receives the error reports described above.
• Anthropic will receive what you submit to Smart add once it is available, only when you use it, and processes it under its commercial terms, which do not allow it to train its models on that content.

We may also disclose information if the law requires it, or to protect the rights, property, or safety of MoneyScope, its users, or others.

Where it is stored

These providers store and process information in the United States. It is protected under our agreements with them, but it may be accessible to courts and authorities there under the laws of the United States.

Cookies

MoneyScope uses only cookies that keep you signed in. It does not use advertising or analytics cookies.

How long we keep it

We keep your information while your account exists. A payment you delete is deleted straight away. To delete your account and everything in it, email us from the address on the account; we will do it within 30 days. Copies in our providers' backups and logs are removed on their normal schedules.

Security

Information is encrypted in transit (HTTPS) and at rest by our database provider, passwords are hashed, sign-in attempts are rate limited, and only the app can read the database. No system is perfectly secure, so we cannot guarantee that your information will never be accessed without permission. If a breach creates a real risk of significant harm to you, we will tell you as the law requires.

Your choices and rights

You can see and edit your payments and your name and email address in the app. You can also ask us for access to, a copy of, correction of, or deletion of your personal information, or withdraw your consent, by emailing info@money-scope.app. Withdrawing consent may mean we can no longer provide the service. If you are not satisfied with our answer, you can complain to the Office of the Privacy Commissioner of Canada.

Children

MoneyScope is not intended for anyone under 18, and we do not knowingly collect information from them.

Changes to this policy

We may update this policy. The effective date above shows when it last changed, and we will email you before any change that significantly affects how your information is used. See also our Terms of Service.