Privacy Policy

Money Flows is operated by This Optimistic Life (Justine Bevilacqua), based in Tasmania, Australia. This policy explains what information we collect, why we collect it, and how we look after it. The short version: your data is yours, we collect the minimum we need to run the app, and we never sell it.

What we collect

• Account details. Your name and email address when you create an account (directly or via Google sign-in).
• Financial information you choose to upload. Receipts, bank or credit card statements, and transactions you enter manually. This data exists so the app can work for you. We do not connect to your bank, and we never hold your banking credentials.
• Payment information. Payments are processed by Stripe. We never see or store your card number.
• Usage data. Basic technical information (browser type, pages visited) that helps us keep the app working and improve it.

How your data is used

• To provide the Money Flows service: parsing, categorising, and displaying your money data back to you.
• Uploaded statements and receipts are processed by AI services solely to extract and categorise transactions for your account. Questions you ask Indie in the in-app chat are processed by the same AI service so she can answer from your data. We only store a daily count of how many questions you've asked (to enforce the daily limit); the text of your questions and Indie's replies is not saved to our database after the reply is returned. Your financial data is never sold and is never used to train AI models.
• Feedback you submit through the in-app Feedback widget (your message, the page you were on, and whether you ticked "you can contact me about this") is stored in our database and emailed to Justine so she can read it and, where you've consented, reply.
• To send you service emails about your account, and (if you opted in) occasional emails from This Optimistic Life. You can unsubscribe from non-essential emails at any time using the link in the footer of any marketing email.

Third-party processors

We use the following service providers, each only to the extent needed to run the app:

• Stripe: payment processing.
• Lovable Cloud (Supabase): hosting, database, authentication and file storage.
• Google Gemini via Lovable AI Gateway: parsing and categorising the statements and receipts you upload, and answering your Ask Indie questions from your own data. Nothing else.
• Resend: delivering service, account and feedback emails.
• GoHighLevel: our CRM for marketing and customer communications. When you buy or your subscription status changes, we send your email address, your name (if you provided one), and a plan tag (for example "moneyflows-lifetime" or "moneyflows-subscription-lapsed") so we can send you the right emails. No transaction data, statements, receipts or Indie conversations are sent to GoHighLevel.

None of these providers are given permission to sell your data or use your financial data to train AI models.

Where it lives and how it's protected

Your data is stored securely with our cloud infrastructure provider (Supabase via Lovable Cloud) with row-level security, meaning your records are only accessible to your account. Access is protected by authentication, and data is encrypted in transit.

Retention

We keep your data for as long as your account exists. When you delete your account, your data and receipt images are permanently removed from the app. Some minimal records (for example, tax and payment records held by Stripe) may be retained by our processors where required by law.

Your rights

• Export all your data anytime. Head to the Account page and download a zip of your transactions, streams, categories, rules, goals, orders and receipt links.
• Delete your account and all data yourself. Also on the Account page. It's immediate and permanent, no email hoops.
• Unsubscribe from non-essential emails using the link in the footer of any marketing email. Service and account emails (receipts, security notices, refund confirmations) will still be sent because they're required to operate your account.
• Ask us anything. Email justine@thisoptimisticlife.com with any privacy question, correction request, or complaint. A real human replies.

Money Flows complies with the Australian Privacy Act 1988 and the Australian Privacy Principles. Users in the UK and EU have equivalent rights under the GDPR, which we honour the same way.

Cookies

We use essential cookies to keep you signed in and basic analytics to understand how the app is used. No advertising trackers.

Changes and contact

If this policy changes materially, we'll note it here with a new date. Questions or requests: justine@thisoptimisticlife.com.