Privacy Policy
- Your transactions, balances and budgets live on your iPhone and in your own iCloud. We do not keep a copy.
- We never see your bank username or password. Bank linking is handled by Plaid.
- We do not sell your data, show ads, or track you across other apps and websites.
- If you subscribe so that we handle the bank connection, we hold the connection itself (a token) and nothing about what you spend.
Who we are
Money Laundering is a personal budgeting app for iPhone made by 615 Media Group, LLC ("we", "us"). Despite the name, it is a budgeting tool: it does not move, hold or launder money. Questions go to support@laundering.app.
Three ways to use the app
By hand (free). You type in your own transactions. Nothing is connected and nothing leaves your iPhone.
With your own Plaid keys (free). You create your own Plaid account and enter its keys in the app. The app then talks to Plaid directly from your iPhone. Nothing passes through us, and we receive no information about you at all.
Connected by us (subscription, coming soon). We provide the Plaid connection. Your iPhone asks our server for your bank data, our server asks Plaid, and the answer is passed straight back to your iPhone.
What stays on your iPhone and in your iCloud
- Transactions, balances, account names and the institutions you linked.
- Your verdicts on charges, renamed merchants, recurring bills and income, savings goal and other settings.
- If you use your own Plaid keys: those keys, in the iPhone Keychain.
If you share a household with another person, the shared data syncs through Apple's iCloud (CloudKit) between your account and theirs. It is stored in your iCloud, under Apple's protections, and we cannot read it. Face ID is handled by iOS; the app never receives your face or fingerprint data.
What we receive when we provide the connection
This section applies to the subscription service once it is available. Until then we receive nothing from the app.
- An account identifier from Sign in with Apple, and your email address only if you choose to share it.
- Subscription status from Apple, so we know the subscription is active. We never see your payment card.
- Bank connection tokens issued by Plaid, with the name of each institution, so we can fetch data on your behalf. They are stored encrypted.
- Household membership, if you share with another person, so both phones reach the same connections.
Your transactions and balances pass through our server on their way from Plaid to your iPhone. We do not store them, read them, or use them for anything else. Server logs record that a request happened, when, and whether it failed. They do not contain transaction details and are deleted after 30 days.
Plaid
When you link a bank you do so through Plaid, Inc. You give your bank credentials to Plaid or to your bank, never to us. Plaid collects and processes your information under its own End User Privacy Policy. You can see and revoke Plaid connections at my.plaid.com.
Apple
Purchases are processed by Apple. To draw the small map on a charge, the app sends that merchant's location to Apple Maps; it does not use or send your own location. If you agreed to share analytics with developers in iOS settings, Apple gives us anonymous crash and usage statistics.
What we do not do
- We do not sell or rent personal information.
- We do not include advertising or analytics software from other companies in the app.
- We do not use your financial information for advertising.
Keeping and deleting
You can delete your account in the app under Settings. When you do, we remove your bank connections at Plaid and delete your tokens and account record right away, and any remaining backups within 30 days. If your subscription ends, we remove your bank connections after 14 days. Deleting the app removes the data on that iPhone. Data in your iCloud is removed with "Erase all data" in the app's Settings.
Security
Data moving between your iPhone, our server and Plaid is encrypted in transit. Bank connection tokens are encrypted at rest, and access to them is limited to the systems that need them. No system is perfectly secure; if we learn of a breach affecting your information we will tell you.
Your rights
You can ask what we hold about you, or ask us to delete it, by writing to support@laundering.app. Depending on where you live you may have further rights under state privacy laws; we honor those requests regardless of where you live.
Children
The app is for adults. It is not directed to children, and we do not knowingly collect information from anyone under 18.
Changes
If we change this policy in a way that matters, we will say so in the app before the change takes effect.