Privacy Policy

Who we are

$pipeline ("we") is operated by Money Pipeline, Inc., 826 Expressway Lane PMB 426, Spanish Fork, UT 84660, United States. Phone: (385) 200-9500. Contact: support@moneypipeline.io.

What we collect

(a) Account info you give us: name, email.

(b) Financial account data via Plaid: with your explicit consent: your connected banks' and cards' transactions, balances, account names, and account/institution metadata. We use this connection for read-only financial data access. Payment services through Moov are separate and require their own onboarding and authorization.

(c) Content you provide: receipts, transaction screenshots, tax and business documents, bookkeeping records, and messages you submit to the assistant. This content can include personal and financial information.

(d) Payment information: when you use Moov features, information needed for account verification and authorized payments is provided to Moov. We also keep provider references, payment status and related records to display and reconcile that activity in your workspace.

How we use it

To run your cash-flow projections, classify your spending, forecast shortfalls, and give you advisory guidance on when to move money; to read documents and support your bookkeeping and assistant requests; and to submit authorized payment instructions to Moov and reconcile the results. We do not sell your data. We do not use it for advertising.

Plaid

We use Plaid Inc. to connect your accounts. Your use of Plaid is governed by Plaid's End User Privacy Policy. You authorize us and Plaid to access and use your financial data as described here.

Service providers (subprocessors)

• Plaid: account connectivity.
• Supabase: database + authentication (US region).
• Vercel: hosting (US).
• Anthropic: AI-assisted classification, document reading, assistant responses, suggestions and drafts. The information processed depends on the feature, as described below.
• Moov: payment onboarding, verification and processing for enabled payment features.
• Stripe: billing.
• PostHog: product analytics.

These providers process information for their respective services, subject to the applicable agreements and privacy policies.

Information used by AI

Classification uses transaction details such as merchant names, descriptions, amounts and categories. Document-reading features send the submitted images or documents to Anthropic. Assistant responses may use your messages and relevant workspace information, including balances, transactions, bookkeeping and tax records. Uploaded files may themselves contain personal or financial identifiers.

Anthropic states that commercial API inputs and outputs are not used for model training by default. See its commercial data-use policy.

Security

Data is encrypted in transit (TLS 1.2+) and at rest. Plaid access tokens are encrypted with AES-256-GCM at the application layer before storage. The encryption key lives in our hosting environment, never in the database, so a database read alone cannot replay your bank access. Access is restricted by Postgres row-level security and least-privilege server credentials. Optional two-factor authentication protects your account. Full details on our Security page.

Retention & deletion

We keep your data while your account is active. You can disconnect any institution at any time from the in-app settings (which revokes our Plaid access to it). You can also delete your account and all data in-app; we'll purge the corresponding rows and call Plaid /item/remove for every connected item within 30 days of the request. For requests outside the app, email support@moneypipeline.io.

Your rights

Access, correct, export, or delete your data via the in-app settings, or by emailing support@moneypipeline.io. If you're a California or EU resident, additional rights apply under CCPA / GDPR. Contact us to exercise them.

Changes

We'll post updates to this page and date them. Material changes will be communicated by email.