Data Handling

This page explains how SimpleMonth collects, uses, stores, and deletes user data in plain language. It is intended to complement our Privacy Policy and Security documentation.

Overview

SimpleMonth is a personal finance application that helps users track accounts, transactions, goals, and net worth. To provide this service, we process limited financial and account-related data. We design our systems to minimize data collection, restrict access, and give users control over their data.

We do not sell user data, and we do not use financial data for advertising or marketing purposes.

Data We Collect

Depending on which features you use, we may process the following categories of data:

Account & Profile Data

Email address
User ID (generated by our authentication system)
Basic account preferences (currency, settings)

Financial Data (User-Authorized)

When you connect accounts via Plaid or enter data manually:

Account metadata (account name, type, institution)
Balances
Transactions (amount, date, merchant, category)
Investment account summaries (if enabled)
Asset and liability data (if supported by your institution)

Authentication Data

Encrypted credentials managed by our authentication provider
Session tokens used to keep you signed in securely

We do not store bank usernames or passwords.

How We Use Your Data

We use your data only to provide the core functionality of SimpleMonth:

Display account balances and transaction history
Categorize and summarize spending
Calculate goals, net worth, and trends
Sync and refresh connected accounts at your request
Secure your account and prevent unauthorized access
Provide customer support when requested

We do not use your data for:

Advertising
Data brokerage
Selling to third parties
Behavioral profiling outside the app

Data Sources

Your data enters SimpleMonth through one of the following methods:

Direct user input (manual accounts, assets, goals)
Third-party providers you explicitly authorize (such as Plaid)
Internal system events (account creation, settings updates)

All third-party access requires explicit user consent.

Data Storage & Processing

Storage

Data is stored in a secure cloud database with strict access controls
Each user's data is isolated using database-level security rules
Sensitive configuration data is stored securely and never embedded in client code

Processing

Data is processed only when required for app functionality
Server-side processing is used for sensitive operations
Client access is restricted to user-authorized data only

Data Retention

We retain data only as long as necessary to provide the service:

Active accounts: data is retained while your account is active
Disconnected accounts: related data may be retained until you delete it or your account
Deleted accounts: associated personal and financial data is deleted or anonymized within a reasonable timeframe, except where retention is required for legal or operational reasons

You may request deletion at any time.

Data Sharing

We share data only with trusted service providers required to operate SimpleMonth, such as:

Authentication services
Database and hosting providers
Financial data aggregators you authorize

These providers are contractually obligated to protect your data and use it only for the intended purpose.

We do not share data with advertisers or unrelated third parties.

User Control & Deletion

You remain in control of your data:

You can disconnect linked accounts at any time
You can edit or delete manually entered data
You may request account deletion, which removes associated personal data
You can contact us to request clarification or export of your data

To request deletion or assistance, contact:

info@simplemonth.com

Security Safeguards

Data handling is supported by multiple layers of security, including:

Encryption in transit using TLS
Database-level access controls
Role-based system permissions
Monitoring and logging for abnormal activity

For full details, see our Security page.

Changes to This Page

As SimpleMonth evolves, this page may be updated to reflect new features or integrations. Material changes will be communicated through the app or website.

Questions?

If you have questions about how your data is handled, contact us at:

info@simplemonth.com

For security concerns: info@simplemonth.com