MyMoneyConcierge — Support

Subscriptions are managed by the store you bought from, not by us.

• iPhone / iPad: Settings → your name → Subscriptions → MyMoneyConcierge → Cancel.
• Android: Play Store → profile icon → Payments & subscriptions → Subscriptions → MyMoneyConcierge → Cancel.

Cancel at least 24 hours before your period ends to avoid the next charge. Refunds are handled by Apple or Google under their own policies — we can't issue them, though we're happy to help you make the request. Cancelling never deletes your data: your records stay readable and exportable.

Nothing is deleted. The trial needs no card, so nothing is charged when it ends. If you don't subscribe, the app locks, but everything you've recorded stays on your device and you can always export or delete it from the locked screen. Take an export before then from Reports → Take your data with you if you like, or from the locked screen afterwards.

Connections break for reasons outside our control — banks change their systems, and some institutions require you to re-authorise periodically. Try, in this order:

1. Open the account in the app and tap Reconnect. Most breaks are fixed by re-authorising.
2. Check whether your bank is asking you for something on its own site or app (a new consent, a re-login, a security prompt).
3. If it still fails, convert the account to manual — you keep every entry, and nothing is lost while you wait.
4. Email us with the institution name and roughly when it stopped. We can see connection health and the reason code, which is often enough to tell you whether waiting will fix it.

Bank connections are removed when your subscription ends. Connecting a bank needs an active Connected subscription; you can reconnect whenever you like, and your history is untouched.

Imported data comes from your institution via the aggregator and can be delayed, restated, or briefly duplicated while a pending transaction becomes a posted one. The app matches pending to posted and prevents duplicates, but you can always edit or merge entries yourself — and edits keep their history, so nothing is destroyed. Your bank's own statement is authoritative if it disagrees with what you see.

On the old phone: Settings → Backup and restore, create a backup and choose a passphrase. Move that file to the new phone however you like, install the app, and restore it from the same screen. Your phone's own iCloud or Android device backup will not carry your records: the database is deliberately excluded from those backups. Make the backup first.

We're honest about this because it matters: we cannot recover it. The only passphrase in the app is the one that protects a backup file you create, and a forgotten backup passphrase cannot be recovered by us or by anyone. If you can still open the app on your phone, your records are unaffected — make a new backup with a passphrase you'll remember.

In the app: Settings → Delete everything on this device. It disconnects your banks at Plaid, ends the app's sessions with our server, destroys the encryption key and deletes your records from the phone. It's permanent. Full detail, including what is and isn't covered, is on the delete your data page.

Yes. Recording, editing, budgets, reports, forecasts and export all work fully offline — the core app doesn't depend on our servers to do its job. Only bank sync, cloud AI and subscription checks need a connection.

It's designed for one person's personal finances. Nothing stops you tracking a side business in it, but it isn't accounting software and doesn't produce tax filings. Shared household use is on the roadmap rather than in the app today — if that's what you need, tell us, because we prioritise by what people actually ask for.