Privacy Policy

Local launch draft — prepared 26 October 2026. This draft is for the replacement MoneyWiz website and upcoming app release. It has not been published and does not replace the currently published policy. Its effective date will be set when it is published.

Overview

This policy explains how SILVERWIZ LLC handles information when you use the MoneyWiz website, apps and related services. The information processed depends on the features and services you choose, including local storage, cloud sync, bank connections, support and optional AI features.

Long privacy policies make it look as if the company has something to hide. However, for legal reasons, we have to provide a certain amount of information. Just like everyone, we hate long and boring legalese language. So we'll be upfront and say this: we're NOT in business of selling your data or creating a financial profile of you. We support our business with the money you are paying us. You are our customer, not our product.

Still, we are legally bound to provide more detailed information about how your data is processed, which is why we are sharing the policy below.

Privacy questions and requests

The following document outlines how your data is stored, transmitted and handled. You have the right to request that we delete the data we have about your account as well as contact the various partners we work with to ask them to delete your data as well. If you want us to delete the data we store for you or have a question that's not answered to your satisfaction with our Privacy Policy, please contact us at [email protected].

The use of your data

MoneyWiz Website

The public MoneyWiz website provides product information and demonstrations using fictional data. Following a link to an app store, payment service, help center or other external service takes you to that service and its own privacy information.

The website saves your selected appearance and accessibility preferences in your browser's local storage so those settings can be applied on later visits. You can change the settings using the website controls or remove the saved preferences by clearing this site's browser storage.

The website loads the Reso support widget, including its configuration, from Reso. The widget uses browser local storage to remember a support visitor token. For a returning visitor, it can restore the existing conversation before the chat panel is opened. Support sessions include the page address; messages can include your text, attachments, name and email when supplied, language settings and time zone. We use this information to provide support and maintain the conversation. See Customer Support below.

MoneyWiz Apps

MoneyWiz is designed to save your aggregated financial data on your device (mobile or desktop) locally, so that you can access it, even if you are offline. Protecting your local data (as for any other software application installed on your device) is in your own hands. Consider protecting your device with a passcode as well as using services that allow you to erase the data from your device in case it gets lost or stolen. As an additional measure, we've provided an optional PIN protection (and Touch ID/Face ID protection, for Touch ID/Face ID enabled devices), that you can enable to protect only the data inside MoneyWiz. Available security controls depend on your device and app version. Review the options in the app. Automatic erasure after failed PIN attempts is not available for shared databases.

Due to how local storage works on different platforms, in some cases removing MoneyWiz is not sufficient to remove local data. If you want to be sure that your MoneyWiz data is removed from a device, please perform steps outlined here.

iCloud sync and database sharing

When you use iCloud Sync, MoneyWiz stores and exchanges database information through Apple's iCloud services to make it available on your devices. This is separate from the legacy MoneyWiz Cloud / SYNCbits service. Your Apple Account and iCloud settings determine the iCloud account used. Please also read Apple's privacy information.

If you share a MoneyWiz database, the people you invite receive full access to view and edit the selected database. This includes its accounts and transactions, settings, PIN and access to connected bank accounts. Sharing is not view-only. Only share with people you trust, and read the notice in the app before sending an invitation. Other databases are not included in that invitation.

WizAI, the optional assistant inside MoneyWiz

WizAI asks for permission on your device before sending questions and financial information to its AI provider, OpenAI. To answer your questions, it sends your question, relevant conversation context and the financial information needed for the answer, which can include amounts, dates, payees, notes and account names. This can include information in a database another person has shared with you. Consider the privacy of those people before using their information with AI.

Requests pass through MoneyWiz's service to OpenAI. Account and usage information is also processed to provide the service and manage AI credits. You can withdraw permission using the app's “Stop Sending My Data” control. This stops further use of that permission; it does not itself erase information already sent or delete saved chats.

WizAI chats are saved in your iCloud when iCloud Drive is available for MoneyWiz, so you can access them on your other devices, including when the underlying financial database uses a different sync service. When iCloud is unavailable, chats are stored locally. Demo chats stay on the device. Use the chat deletion controls in the app to remove saved chats. For requests concerning information processed by our services, contact us at [email protected].

OpenAI processes API information under its business-service terms. See OpenAI's business data privacy information and API data controls. For questions about information already submitted to WizAI, contact us using the address above.

Connections to external AI apps on Mac

Mac AI Connections is separate from WizAI. If you connect a compatible external app, it can request financial information from the database open in MoneyWiz. The external app and any AI provider it uses handle the information under their own terms and settings. Review those before connecting. Disconnecting a tool in MoneyWiz stops that connection; it does not delete information the external service has already received.

MoneyWiz Cloud / SYNCbits

By using the SYNCbits service you consent to SilverWiz processing your data for the purpose of providing you SYNCbits syncing service.

SYNCbits service will process the following information:

• the e-mail address supplied as the SYNCbits login, 
• any information entered into MoneyWiz and/or MileWiz application on any platform that you have signed into your SYNCbits account in.

SYNCbits service will process the information above for the following reasons:

• the e-mail address supplied as the SYNCbits login - as an unique identifier of your SYNCbits account, enabling basic functionality (allowing you to sign in and use the service), 
• the e-mail address supplied as the SYNCbits login - if you requested, to send you occasional e-mail newsletter (more on this matter further below). 
• any information entered into MoneyWiz and/or MileWiz application on any platform that you have signed into your SYNCbits account in - this information will be uploaded (encrypted) to the SYNCbits server from where other devices can download this information. This process enables you to sync your MoneyWiz and MileWiz information among all devices you own and keep your devices synchronized.

The above reasons are necessary for us to provide you with SYNCbits functionality which is to allow you to sync your MoneyWiz/MileWiz data among your devices. The above are THE ONLY reasons for using the data supplied to SYNCbits service. It WILL NOT be used for actions such as selling to third-parties, advertising, profiling, etc.
Inactive SYNCbits accounts are deleted. An account that has received no changes to its data for three months is considered inactive. This inactivity rule applies to SYNCbits accounts; it is not a retention period for iCloud databases, AI chats, support messages or billing records.
SYNCbits stores synchronized data on servers in the United States. Depending on where you live, using this service can transfer information outside your country or region. You have the right for a copy of your data. Should you wish to obtain a copy of the information that SYNCbits server has on you, please use MoneyWiz to  export a CSV file that includes your information. CSV (Comma-separated value) files are widely recognized format that can be opened and imported by many applications. If you wish to delete your data from SYNCbits servers, please contact us and we'll assist you with this process. Agreeing to the data processing described above is required for basic SYNCbits service. If you do not agree, please do not use SYNCbits service. If you change your mind after agreeing, please contact us about deleting your SYNCbits account.

Our Internal Systems

We operate multiple internal systems developed and hosted by us, on our servers, to assist us with common functionality and safety. Those include various security systems, billing integration system, support backend etc. Within these systems we collect information from MoneyWiz, that is directly linked to you, such as IP addresses used, device IDs of used devices, log of bank connections (without any credentials), list of banks you are connected to (without sensitive information such as password, balances etc). This information is crucial to assure the safety of our customers by monitoring and blocking suspicious activity.

Our partners

When choosing companies to work with, we take great care in ensuring they respect customer privacy as much as we do.

• Plaid (Online Banking) - MoneyWiz uses Plaid as one of the providers for the online banking feature. MoneyWiz does not store your online banking credentials at any time. Please, refer to Plaid's Privacy Statement for more information about how your credentials are handled by Plaid.
• Salt Edge (Online Banking) -MoneyWiz uses SaltEdge as one of the providers for the online banking feature. SaltEdge uses asymmetric cryptography so that private keys are on different servers. SaltEdge is also PCI DSS compliant.When connecting to your bank via MoneyWiz, MoneyWiz will provide an embedded web interface to SaltEdge. In that interface you have to enter your bank credentials. These credentials are then sent to SaltEdge and the SaltEdge service will establish a connection for your account and return the data to MoneyWiz, for visualization. MoneyWiz never stores your online banking credentials. If you connect to a PSD2/Open Banking-enabled bank, we’ll use your SYNCbits e-mail to create a Salt Edge Dashboard account for you, where you can manage your data processing consents.For more information, please refer to SaltEdge's Privacy Policy and End User License Terms.
• Reso (Customer Support) - We use Reso to handle support conversations. When you contact us, we process your messages, contact details and any files or screenshots you send so we can respond and investigate your request. In-app support can also include your email address, avatar, language, region, time zone and the app context associated with your message. Do not send passwords or information that is unnecessary for your support request. If we need additional diagnostic information, we will explain what to provide. For access or deletion requests relating to MoneyWiz support information, contact [email protected].
• Mailgun (Newsletter) - We use the above for our newsletter system. We'll use your e-mail address only for the purpose of sending you MoneyWiz-related news and announcements that you've signed up for. You can opt-out and request to be deleted from the newsletter e-mail database at any time. Either use the “Unsubscribe“ link at the bottom of each newsletter or contact us.For more information, please refer to  Mailgun Privacy Policies.
• FastSpring (Website Billing) - MoneyWiz can be purchased through Apple and Google app stores but also via our website. We've partnered with FastSpring to help us gather and manage the payments you make to us. For more information, please refer to FastSpring's Privacy Policy.
• GitHub (Source Code Version Control) - We use GitHub to track issues, feature requests and reported bugs. If we need to escalate a problem you've reported to our internal teams, we'll use GitHub for this purpose. By default, we'll describe the problem without including any personal information and will use a support ticket ID (which by itself does not contain your personal information) to maintain a link between the two systems.If we need to access your personal data (MoneyWiz database or SYNCbits credentials) in order to investigate the issue, we'll ask for your consent. This information will then be present in our GitHub repository for the period of time needed for us to investigate and fix the problem. Our GitHub repositories are only accessible by our employees who have received appropriate security training and clearance on how to work with sensitive personal data. Furthermore, you can request a removal of that data at any time. For more information on how GitHub itself works with data stored on their servers, please consult GitHub's Privacy Policy.

Other Services

There are also other services that you might encounter during your use of MoneyWiz. Those include:

• Twitter- we use it for announcements and sometimes customer support
• YouTube- we use it to upload MoneyWiz related videos
• Gravatar- we use this to download your account avatar/logo automatically. We match it with your MoneyWiz Cloud email.
• Yahoo Finance- we use it to download stock prices automatically
• OpenExchangeRates- we use it to download fiat currency exchange rates
• CoinMarketCap- we use it to download crypto currency exchange rates
• FinnHub- we use it for stock holdings data enrichment (like company name, website etc)
• LogoDev- we use it to download logos for stock holdings. See LogoDev's Privacy Policy.
• IpInfo- we use it to retrieve real IP (needed for security purposes when connecting to real banks)
• Ip-Api- we use it for geolocation information based on IP (needed for security purposes when connecting to real banks)
• CloudFlare- we use it for CDN & DNS
  

 Please consult the privacy policy of those services before you engage in usage of those.

Additional Information, Data Retrieval & Removal

If our Privacy Policy did not answer a question you may have related to how we handle our customer's data, or if you want your existing data to be erased or provided to you, please contact us at [email protected]