Privacy Policy

This Privacy Policy describes how Money But Softer (the "app"), operated by Linnie Mae's Vintage Creations, LLC, collects, uses, and protects your information. By using the app, you agree to the practices described here.

1. Information We Collect

• Account information: your email address and name when you register. Sign-in is managed by our platform provider.
• Financial information you enter: transaction amounts, dates, categories, notes, monthly budget amounts, savings balances and goals, and keyword rules you create for importing transactions.
• Uploaded files: if you use CSV import, your bank export is read in your browser, and the resulting transactions are saved to your account.
• Subscription information: your plan type, subscription status, and renewal date. Payment card details are collected and stored by Stripe, not by us.
• Basic technical information: like most online services, our hosting provider may automatically log standard technical data (such as IP address, browser type, and timestamps) to keep the service running and secure. We do not use this data for advertising.

2. Financial Information You Enter

The app does not connect to your bank or any financial institution. All financial information (amounts, dates, notes, budgets, and savings figures) is entered or uploaded by you, by choice. Please do not enter full account numbers, card numbers, Social Security numbers, or passwords anywhere in the app.

3. How We Use Your Information

• To show your budgets, spending history, category breakdowns, trends, "safe to spend" estimates, and savings progress.
• To power the Budget Coach (see section 6).
• To send account and service emails, including your weekly spending summary. You can turn the weekly summary off anytime under Alert preferences in the app, or by using the instructions at the bottom of each email.
• To process and manage your subscription.
• To keep your account secure and the app working properly.

4. How Your Information Is Stored

Your information is stored in a database hosted by our platform provider, Base44. We rely on our providers' security measures and take reasonable steps to protect your information. No online service can guarantee perfect security.

5. Who We Share Information With

We do not sell your information, and we do not share it for targeted advertising. We share information only with service providers that help us run the app:

• Base44: app hosting, database, sign-in, and email delivery.
• Stripe: payment processing and subscription billing. Stripe handles your card details under its own privacy policy.
• AI model provider(s): used through Base44 to generate Budget Coach responses (see section 6).

We may also disclose information if required by law, or to protect the rights, safety, and security of our users or the app.

6. AI Features (Budget Coach)

The Budget Coach is an AI-powered assistant, not a human. When you use the Budget Coach, and when your weekly coach recap is generated, the app sends the transactions, categories, and budget settings you have entered to an AI model provider through our platform provider, Base44, so the AI can generate personalized suggestions. This information is used only to produce your responses. See our AI Disclosure for more detail.

The app is not designed to send passwords, Social Security numbers, full bank account numbers, card numbers, or login credentials to any AI service.

7. Cookies, Local Storage, and Tracking

The app uses only essential cookies and browser storage needed to keep you signed in, remember basic app preferences, and run the app. We do not use advertising cookies, tracking pixels, session recording tools, or third-party analytics. Because of this, the app does not show a cookie consent banner. If that ever changes, we will update this policy and ask for your consent before any non-essential tracking begins.

8. How Long We Keep Information

We keep your information while your account is active. When you delete an entry, it is removed from your account. When you delete your account, we delete or de-identify your personal information within a reasonable time, except for records we must keep for legal, tax, or billing reasons (for example, subscription and payment records).

9. Your Choices and Rights

You can view, edit, and delete your entries directly in the app. To request access to, correction of, or deletion of your information or account, email contact@linniemae.com. See Your Privacy Choices for details.

10. Children's Privacy

The app is only for adults 18 and older. Users must confirm they are 18 or older when creating an account. We do not knowingly collect information from anyone under 18. If you believe a minor has created an account, contact us and we will delete it.

11. Contact Us

Questions or requests about privacy can be sent to contact@linniemae.com, or by mail to Linnie Mae's Vintage Creations, LLC, PO BOX 382821, Duncanville, TX 75138-2821.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The Effective Date and Last Updated date above show the current version. If we make important changes, we will let you know in the app or by email.