Privacy Policy

1. Information We Access or Collect

Profile and account information

We may collect information you provide when creating or editing your SiftIQ Money profile, including:

• Name
• Email address
• Telephone number
• Profile picture
• Account and authentication identifiers
• Subscription plan and entitlement information

Financial information

With your express permission, SiftIQ Money may access financial information from accounts you choose to connect, including:

• Financial institution and account names
• Account type and partial account number or mask
• Current and available balances
• Transaction dates, amounts, merchants, descriptions, and categories
• Pending and posted transaction status
• Credit balances and limits
• Bills, subscriptions, budgets, and recurring-payment information

Financial information is sensitive personal information. SiftIQ Money accesses it only to provide the financial-management features you request.

Information received through Plaid

SiftIQ Money uses Plaid to connect eligible financial accounts. When you connect an institution, Plaid may collect your authentication information and provide SiftIQ Money with the financial information you authorize.

SiftIQ Money does not receive or store the username and password you enter into Plaid or your financial institution’s authentication page. Your use of Plaid is also governed by the Plaid End User Privacy Policy.

Manually entered information

We may process information you enter directly, including manual transactions, bills and due dates, budget categories and limits, transaction notes, category corrections and merchant rules, financial goals, and Chat prompts or instructions.

Microsoft Store information

If you purchase a SiftIQ Money subscription through the Microsoft Store, Microsoft processes the payment. We may receive subscription product and plan identifiers, purchase or entitlement status, subscription expiration or renewal status, and Microsoft account or Store identifiers required to validate entitlement. SiftIQ Money does not receive your complete payment-card number from Microsoft.

Technical information

We may collect technical information needed to operate, secure, and improve SiftIQ Money, including application version, operating-system information, device and installation identifiers, connection and synchronization status, error reports and diagnostic logs, and security, authentication, and request metadata.

We do not use financial information for behavioral advertising.

2. How We Use Information

We use information to connect the financial accounts you select; import and display account and transaction information; calculate balances, cash flow, spending, budgets, and financial trends; detect bills, subscriptions, recurring transactions, and unusual activity; categorize transactions and remember corrections; generate charts, calendars, forecasts, and financial insights; respond to questions submitted through SiftIQ Money Chat; synchronize selected information across supported devices or services; validate Microsoft Store subscriptions and apply account limits; provide support; diagnose errors; protect accounts; and comply with applicable legal obligations.

SiftIQ Money provides organizational and informational tools. It does not provide individualized legal, tax, investment, or professional financial advice.

3. Artificial Intelligence Features

SiftIQ Money includes optional AI-assisted features, including transaction categorization, financial insights, and Chat.

When you use an AI feature, your prompt and the information reasonably necessary to answer it may be transmitted to the AI provider selected or configured for that feature. SiftIQ Money may support OpenAI, Microsoft Azure OpenAI Service, or another provider selected through a bring-your-own-key configuration. This may include relevant transaction, merchant, category, bill, budget, or account information.

We limit information submitted to what is reasonably necessary for the requested feature. You should not include passwords, bank credentials, complete payment-card numbers, Social Security numbers, or other unnecessary sensitive information in Chat prompts.

AI-generated responses may be inaccurate and should be reviewed before making financial decisions. Relevant provider terms include the OpenAI Privacy Policy and Microsoft Azure OpenAI data, privacy, and security documentation.

4. How Information Is Shared

We may disclose information to service providers that help operate SiftIQ Money, including Plaid for financial-account connections; Microsoft for Store distribution, authentication, purchases, and subscription validation; hosting, database, authentication, security, error-monitoring, and support providers; and AI service providers when you use AI-assisted features.

We may also disclose information when required by law; to protect users, FutureProof, or others; to investigate fraud or security incidents; in connection with a business transaction subject to appropriate protections; or at your direction or with your consent.

We do not sell personal information. We do not share personal information for cross-context behavioral advertising.

5. Storage and Retention

We retain information for as long as reasonably necessary to provide SiftIQ Money, maintain security, comply with legal obligations, resolve disputes, and enforce agreements.

When you disconnect a financial account, we stop requesting new information for that connection as soon as reasonably practical. Previously imported information may remain locally until you delete it, delete your SiftIQ Money account, or request deletion. Deletion from active systems may not immediately remove information from encrypted backups, security logs, or legally required records.

6. Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal and financial information. These may include encryption during transmission, access controls, authentication, restricted service credentials, secure configurations, monitoring, logging, software updates, vulnerability remediation, and data minimization.

Local information is also affected by the security of your Windows account and device. You should use a secure device password, enable available disk encryption, install security updates, and prevent unauthorized access. No storage or transmission method is completely secure, and we cannot guarantee absolute security.

7. Your Choices and Controls

You may choose which eligible financial accounts to connect; decline or disconnect a connection; edit profile information; correct transaction categories; remove supported manually entered information; control use of optional AI features; request access to or deletion of your information; manage your subscription through Microsoft; and manage certain Plaid connections through Plaid Portal.

Disconnecting an account may prevent future synchronization but may not automatically delete previously imported information.

8. Privacy Rights

Depending on where you live, you may have rights to know what information we process; access, correct, delete, restrict, or object to processing; withdraw consent; obtain portable information; appeal a denied request; or file a complaint with an authority.

To exercise a privacy right, contact us below. We may need to verify your identity. We will not discriminate against you for exercising an applicable privacy right.

9. Consent

Before SiftIQ Money connects a financial account or accesses sensitive financial information, you will be asked to authorize the connection and select the accounts you want to share. You may withdraw permission by disconnecting the institution or contacting us. Withdrawal does not affect processing that occurred before permission was withdrawn.

10. Children’s Privacy

SiftIQ Money is not intended for children under 18, and we do not knowingly collect personal information from children. If you believe a child has provided personal information, contact us so we can investigate and delete it where required.

11. International Processing

FutureProof and its service providers may process information in the United States and other countries. Where required, we use appropriate safeguards for international transfers of personal information.

12. Third-Party Services

SiftIQ Money may contain links to or integrations with third-party services. Their processing is governed by their own terms and privacy policies. Relevant policies include the Plaid End User Privacy Policy, Microsoft Privacy Statement, OpenAI Privacy Policy, and Microsoft Azure OpenAI data, privacy, and security documentation. We are not responsible for third-party services outside our control.

13. Changes to This Policy

We may update this Privacy Policy to reflect changes to SiftIQ Money, our providers, or applicable requirements. When changes are material, we will provide notice through the application, website, Microsoft Store listing, email, or another appropriate method.

14. Contact Us

For unresolved privacy concerns, you may also contact the appropriate consumer-protection or data-protection authority in your jurisdiction.