Security & privacy
Your data is yours alone.
How MONEYOS keeps each person's financial data separate, and what isn't connected yet.
How we handle it
Data separated per user
Database rules mean each account can only read and change its own financial data. We test this with separate accounts.
No secrets in the browser
Sensitive credentials stay on the server and are never shipped in frontend code.
Calculations separate from AI
Numbers come from the Financial Engine. The AI only receives the lines needed for one answer — never your full history or anyone else's data.
No bank connected
MONEYOS does not connect to your bank today and never asks for bank passwords.
You're in control
Delete your account and all its data from Settings at any time. Demo data stays in your browser only.
What we don't claim
MONEYOS has not obtained security certifications or regulatory approvals, and is not a bank, a licensed payment service or a financial advisor. When bank connections arrive they will go through a licensed Open Banking provider.