MyMoneyConcierge is private by design. Your financial records — accounts, balances, transactions, categories, budgets, goals, notes and receipts — are stored only on your device, in an encrypted database. There is no account and no sign-in, and we keep no copy of your records on any server. Because your 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, in order: disconnects any bank you linked (the connection is removed at our bank-connection provider, Plaid, and our encrypted access token is destroyed); ends this app's sessions with our server; destroys the encryption key; and deletes the encrypted database, your receipt photos, on-device snapshots, temporary export files, your settings and the app's stored credentials. Without the key, the database cannot be read again — not by us, not by anyone with the phone.
Take a backup first if you might want your records later (Settings → Backup and restore). We cannot recover anything for you — we have no copy and no master key.
| Data | What happens | Retention |
|---|---|---|
| Your ledger, receipt photos, snapshots, settings and the encryption key | Deleted immediately on your device when you use "Delete everything on this device" | None — removed at once, permanently |
| Bank connection (Connected plan) | Removed at Plaid and our encrypted access token destroyed, as part of "Delete everything" (or when you disconnect, or your plan ends) | Plaid's own records follow Plaid's policies |
| Connection record on our server (connection identifier, status and dates — no transactions) | Marked ended | Scheduled for deletion 90 days after the connection ends (automatic deletion is being switched on in production) |
| This app's session with our server | Ended as part of "Delete everything" | The ended session can no longer be used; automatic removal of the record is being rolled out |
| Your financial records on our server | There are none to delete — transactions pass through to your phone and are never stored | Not applicable |
| Subscription and purchase records | Kept by Apple or Google and by RevenueCat, linked to a random identifier — never your name. Deleting your data does not cancel a subscription: cancel it in your App Store or Google Play account. To request deletion of the records held on our behalf, email us | As long as needed for billing, tax and legal obligations |
| Advertising-measurement identifiers | Android only: if you turned on Ad measurement, RevenueCat and Tenjin may hold your device's advertising identifier. Turn Ad measurement off first, then email us to request removal. You can also reset your advertising ID in your phone's settings. The iPhone app never collects an advertising identifier | Until removed on request |
| Crash and problem reports you sent | Held in our own error-reporting service. They contain no financial values. Email us to have them removed | As long as needed to resolve the problem |
| Backups you exported | Not touched — they are your files, encrypted with your passphrase, wherever you saved them. Delete them yourself | Up to you |
| Platform backups you created (iCloud or Google device backup) | Controlled by you in your Apple or Google account. The ledger key is excluded from those backups, so any copy of the database there cannot be opened | Governed by your Apple or Google account settings |
Settings → Bank connections → Disconnect. The connection is removed at Plaid and the token destroyed; transactions you already have stay in your ledger.
Use Settings → Backup and restore to create an encrypted backup, then restore it on the new phone from the same screen. Deleting your data is separate from — and not required for — moving devices.
Uninstalling usually removes the app's storage, but it does not disconnect a linked bank or cancel a subscription. For a clean result: take a backup if you want one, use Delete everything on this device, cancel your subscription in your store account if you no longer want it, then uninstall.
Email support@smartharmonyai.com from any address with "Data deletion" in the subject and tell us what you'd like removed. Because there is no account, we may ask for details from the app (such as the purchase receipt) to find records linked to it — never your bank credentials, account numbers or backup passphrase. We respond to deletion requests, and complete any deletion we can perform on our side, within 30 days.
MyMoneyConcierge is a tool for recording and understanding your own money. It does not provide financial, investment, tax or legal advice.