KoGMoney Privacy Policy

Effective date: July 16, 2026

KoGMoney ("KoGMoney," "we," "us") is based in the United States. This policy explains what we collect, why, and what you can do about it. We wrote it in plain language on purpose.

The short version: you type your own financial data in, we never connect to your bank, we don't sell your data, we don't run ads, and we watch how the product is used only so we can make it better.

1. Information we collect

Account information. When you sign up we collect your email address and, if you use Google sign-in, your name and basic Google profile info. Authentication is handled by our provider Clerk.

Financial information you enter. KoGMoney is a manual-entry tool. You choose what to put in: income and expense entries, account values, holdings, budgets, goals, and similar. We do not connect to your bank, we do not use Plaid, and we never pull transactions on your behalf. This data exists because you entered it.

Product usage and analytics. We collect information about how you use the app so we can understand what works and improve it. Using our analytics provider PostHog, we record events such as signing up, completing onboarding, adding data, importing a CSV, and returning to the app, along with pages viewed and general device and browser information. This behavioral data is linked to your account so we can understand real usage patterns.

We do not send your actual financial figures (dollar amounts, balances, holdings values) to our analytics provider. Analytics tells us that you added an entry, not how much it was.

Communications. If you send feedback through the app or contact us, we keep that message and your email so we can respond.

Cookies and local storage. We use cookies and browser local storage for essential functions like keeping you signed in (via Clerk) and for analytics (via PostHog). Essential sign-in cookies are required for the app to work.

2. How we use your information

• To provide the app and show you your own data
• To understand how the product is used and improve it
• To respond to your feedback and support requests
• To keep the service secure and prevent abuse
• To comply with legal obligations

3. What we do not do

• We do not sell your personal or financial information
• We do not use your data for advertising
• We do not connect to your bank or financial institutions
• We do not send your financial figures to our analytics provider
• We do not share your data except with the service providers listed below or as required by law

4. Who we share it with

We use trusted third-party providers to run KoGMoney. Each only receives what it needs to do its job:

Each provider maintains its own privacy policy. We may also disclose information if required by law, to protect our rights or the safety of others, or in connection with a business transfer.

5. Data retention

We keep your data for as long as your account is active. If you delete your account, we delete your associated financial and account data from our active systems, and it is removed from backups on our providers' normal cycles. Analytics records are retained per our analytics provider's retention settings.

6. Your choices and rights

• Access and correction: you can view and edit your data directly in the app at any time.
• Deletion: to delete your account and all associated data, email support@kogmoney.com.
• Analytics: product analytics is currently part of using the app during early access.

Depending on where you live, you may have additional legal rights over your data. Email support@kogmoney.com with any request and we'll do our best to accommodate it.

7. Security

We use reasonable technical measures to protect your data, including encryption in transit and access controls, and we rely on established providers for hosting and authentication. No method of storage or transmission is perfectly secure, so we cannot guarantee absolute security.

8. Children

KoGMoney is not directed to and may not be used by anyone under 18. We do not knowingly collect information from children.

9. Where your data is processed

KoGMoney and its providers are based in the United States. If you use the app from outside the United States, your information will be processed in the United States.

10. Changes to this policy

We may update this policy as the product evolves. If we make material changes, we will update the effective date and, where appropriate, notify you.

11. Contact

Questions about this policy or your data: support@kogmoney.com.