MyMoneyConcierge stores your financial records — accounts, transactions, transfers, categories, budgets, goals, notes and receipts — only on your device, in an encrypted database. There is no account holding your ledger on our servers and we keep no copy of it. Because the data lives on your device, you can delete all of it yourself, at any time, directly in the app, and the removal is immediate and permanent.
This is the primary way to delete your data. It wipes everything MyMoneyConcierge stores on your device:
This permanently erases the on-device encrypted ledger, your receipts and attachments, your settings, and — importantly — the encryption keys that protect them. Purging the keys is what makes the deletion final: any residual encrypted copy that might still exist anywhere, including in a platform device backup, becomes permanently unreadable rather than merely inaccessible.
Export first if you might want your records later. Deletion is irreversible and we cannot recover anything for you — we have no copy and no master key. Take an encrypted export from Settings → Privacy & Security → Export everything before you delete, if there's any chance you'll want your history for taxes, a mortgage application, or your own records.
If you used the Connected plan and linked an account, there is a second party involved: the data aggregator that provides the connection. To end that:
Your existing transaction history stays in your ledger and the account simply becomes a manual one — disconnecting never deletes what you've already recorded. Deleting all your data (above) removes that history too.
Connections you stop using are also disconnected automatically after a defined period of inactivity, with advance warning, so a link you have forgotten about does not stay open.
| Data | What happens |
|---|---|
| Your ledger — accounts, transactions, transfers, categories, tags, notes | Deleted permanently from your device |
| Budgets, goals, recurring entries, reports | Deleted permanently |
| Receipts and attachments | Deleted permanently |
| Encryption keys | Purged — which renders any residual encrypted copies unreadable |
| App settings and preferences | Deleted |
| Bank connection tokens held by us (encrypted) | Deleted when you disconnect the account; deletion of data held at the aggregator is requested at the same time |
| Exports you already created | Not touched — they're your files, wherever you saved them. Delete them yourself if you no longer want them. |
| Subscription records at Apple, Google and RevenueCat | Kept by those providers under their own policies. Deleting your data does not cancel a subscription — cancel that in your store account (see Support). |
| Crash reports you opted into | Held by Sentry for up to 90 days, then deleted. They contain no financial values. |
| Support emails you sent us | Kept up to 24 months after your request is resolved, then deleted. Ask us and we'll delete them sooner. |
| Records we're legally required to retain (e.g. a breach register entry) | Retained for the period the law requires. These contain no financial values. |
On most devices, uninstalling removes the app's storage — but this varies by platform, version and backup settings, and an uninstall does not disconnect a linked bank or cancel a subscription. For a clean, certain result, do it in this order:
If you'd like help, or want to request deletion of anything we hold that isn't covered above, email support@smartharmonyai.com with "Data deletion" in the subject. Tell us which app and the store account you purchased with, if relevant.
We will confirm and complete the request within the shortest period the applicable law requires, and we will not ask you for more personal information to verify the request than the request itself concerns. Please don't send us bank credentials, full account numbers, or your export passphrase — we don't need them and can't use them.