MyFondi Privacy Policy

1. Purpose and Scope

MyFondi LLC (“MyFondi,” “we,” or “us”) explains in this Privacy Policy how we collect, use, disclose, and retain personal information through www.myfondi.com, the MyFondi app (“App”), and Budgeting Assistance (together, the “Services”). This Policy covers Free and Premium users and Budgeting Assistance clients, including those without an App account. Our Terms and Conditions govern use of the Services; neither document replaces separately required consent.

2. Personal Information We Collect

The information we collect depends on how you use the Services.

App. We collect your name, email address, login information, preferences, and any optional profile information, such as phone number and age. Apple or Google sign-in provides your name and email address, but not your password for those services.

We collect financial information you enter or import, including income, paycheck dates, budgets, transactions, recurring bills, and goals. CSV files are processed on your device; imported records are saved, but the original file is not uploaded to MyFondi.

If you connect a financial account through Plaid, we receive transaction details, institution and account identifiers, account types, and recurring-charge information. We store connection identifiers and encrypted access tokens. This integration does not request bank balances, account numbers, or owner identity information, and MyFondi does not receive your financial institution login credentials.

We also collect device timezone and platform, last-active time, notification identifiers, and internal activity records that may contain financial amounts. Apple and Google process App payments, and RevenueCat helps manage subscription records, including purchase and renewal history, user identifiers, and country.

Website. We collect information you submit through website forms, email subscriptions, inquiries, or purchases, such as your name, email address, contact details, and message contents. Wix supports our website and processes information submitted through its enabled features. Cookies and related technologies are described separately below.

Budgeting Assistance. We collect contact and scheduling information, correspondence, and financial information you choose to provide for your package, such as income, expenses, debts, goals, and supporting documents. Service records may include session notes, budgeting spreadsheets, and other deliverables. Stripe processes payments; we receive related billing contact, payment-status, invoice, and subscription information.

Feedback, social media, and promotions. We collect information you provide through communications, comments or reviews on MyFondi’s social media pages, and optional surveys, sweepstakes, contests, or other promotions we may offer. This may include contact details, responses, and entry information. Public posts may be visible to others, and the social media platform’s privacy policy also applies.

Please do not submit bank passwords, full payment-card details, or Social Security numbers through forms, messages, or assistance documents. Enter payment credentials only through the payment provider’s checkout.

3. How We Use Your Information

We use personal information to:

Operate the App, organize your financial information, calculate budgets and projections, and provide financial connections and notifications.
Provide Budgeting Assistance, including reviewing questionnaire responses, understanding your finances and goals, scheduling meetings, and preparing budgeting materials.
Operate and improve our website, including understanding website usage through Google Analytics.
Manage accounts, purchases, subscriptions, billing, and customer support.
Send service communications and email marketing, including through Wix, subject to applicable consent requirements and your choices.
Administer optional surveys, sweepstakes, contests, and other promotions.
Maintain security, prevent misuse, enforce our Terms, and meet legal obligations.

We do not sell or rent your personal financial information or use it to target advertising. This includes information entered manually, imported by CSV, received through Plaid, or provided for Budgeting Assistance. We obtain separate written permission before using your testimonial, name, image, or financial information publicly.

4. When We Disclose Information

We disclose personal information to providers that help operate and support the Services:

App: Supabase/AWS and PowerSync support hosting, account services, data storage, and synchronization. Plaid supports financial connections; Apple and Google support sign-in and payments; RevenueCat manages subscription information.
Website and Budgeting Assistance: Wix supports website features and email marketing, Google Analytics measures website usage, Stripe processes payments, and Google Drive stores client information and deliverables.
Communications: Resend and Google Workspace support email. Expo and Apple and Google notification services deliver App notifications, which may contain financial amounts and bill names.

Authorized technical administrators may access customer information to operate and support the App. Some providers also process information independently under their own privacy policies.

Information shared during joint Budgeting Assistance sessions is available to the participating clients. Separately submitted records are shared with another participant only with authorization.

We may disclose information with your permission, to comply with law or valid legal process, to protect rights and security, or in connection with a merger, sale, or other business transfer, subject to applicable legal requirements. These disclosures do not expand the permitted uses of financial information described in this Policy.

5. Cookies and Website Technologies

Our website uses cookies and similar technologies to support functionality, security, preferences, and analytics. Wix supports website operation, and Google Analytics helps us understand how visitors use the website through information such as device and browser details, pages visited, and interactions.

You can restrict or delete cookies through your browser settings, although this may affect website functionality.

The App does not currently use third-party advertising or analytics tools. It records internal activity information as described in this Policy. External websites linked through our Services have their own privacy practices.

6. Your Choices and Privacy Requests

You can unsubscribe from marketing emails using the unsubscribe link. Essential account, billing, security, and service messages may continue. Manage App notifications through the App and your device settings.

You can edit your profile and financial records and request account deletion in the App. For other privacy requests, contact support@myfondi.com. Depending on applicable law, you may have rights to access, correct, obtain a copy of, or delete personal information; withdraw consent; or limit or opt out of certain uses or disclosures. These rights may be subject to exceptions.

We may verify your identity or an authorized agent’s authority before fulfilling a request. We respond within applicable legal deadlines and will explain any permitted denial. Where an appeal right applies, email support@myfondi.com with the subject “Privacy Appeal.” We will not unlawfully discriminate against you for exercising your privacy rights.

Account deletion and privacy choices do not cancel App subscriptions or Budgeting Assistance. Follow the separate cancellation instructions in our Terms and Conditions.

7. Retention and Deletion

We generally retain App information while your account exists. After 30 days without opening the App, or when the store reports that your Premium subscription has expired, we remove connected banks and their imported transactions. Manually entered information remains unless deleted.

You can request account deletion in the App. When successfully completed, deletion removes your account and associated financial records from MyFondi’s active App database and disconnects linked banks. If a bank connection cannot be removed, deletion may not complete; contact support@myfondi.com for assistance.

Some records remain after deletion. Internal usage records are retained indefinitely with the account link removed and may still contain financial amounts. Certain technical event records also remain. Account deletion does not automatically delete records held by all service providers, including RevenueCat.

Deleting your App account does not automatically delete separate website, marketing, or Budgeting Assistance records. Contact support@myfondi.com to request deletion of those records, subject to applicable retention requirements.

We retain Budgeting Assistance client records for seven years after the client relationship ends, subject to applicable legal requirements.

We retain website contacts in Wix to manage inquiries and communications. We send marketing emails to subscribers until they unsubscribe. You may request deletion as described in this Policy. After unsubscribing, we may retain limited information to honor your opt-out and meet legal obligations.

8. Security

We use administrative and technical safeguards to help protect personal information collected through the App, website, and Budgeting Assistance. However, no method of transmission or storage is completely secure. If a data breach requires notification, we will notify affected individuals as required by applicable law.

9. Children’s Privacy

The Services are intended for U.S. adults age 18 or older. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided personal information to us, contact support@myfondi.com. If we learn that we have collected such information, we will take appropriate steps to delete it, subject to applicable legal requirements.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time and will revise the effective date when we do. We will provide notice of material changes and obtain consent where required by applicable law.

11. Contact Us

For questions about this Privacy Policy or to submit a privacy request, contact:

MyFondi LLC
Email: support@myfondi.com
Mail: 401 E Las Olas Blvd, Suite 130-265, Fort Lauderdale, FL 33301