Privacy Policy

Information We Collect

We collect information you provide directly, information created when you use the Services, and limited information from the providers you connect to Nevo Money.

This may include your name, email address, password, profile settings, budgets, manual accounts, balances, scheduled payments, categories, notes, and support messages.

If you connect a financial institution through Plaid, we receive account and transaction details such as balances, amounts, dates, merchant descriptors, and categories. We do not receive your bank login credentials.

If you upload a statement or document, we process the file and the extracted data. We also collect device, session, diagnostic, security, and notification preference data, including whether authenticator-app protection is enabled and verified phone status when you enable SMS delivery.

How We Use Information

We use information to provide, maintain, and improve Nevo Money, including syncing accounts, powering cash-flow forecasts, debt planning, statement workflows, merchant enrichment, and account security.

We also use information to process subscriptions and billing, send transactional notifications based on your settings, prevent fraud, investigate misuse, comply with legal obligations, and respond to support requests.

Notifications and SMS Delivery

If you enable notifications, we may send in-app, push, email, or SMS notices related to your account and Nevo Money activity. SMS delivery requires a verified phone number and an active SMS setting inside Notification Center.

Nevo Money uses Twilio and related carrier infrastructure to deliver SMS. Message frequency varies based on your account activity, schedules, and settings. Message and data rates may apply.

Nevo Money SMS is used for transactional alerts such as certain linked-account issues, scheduled payment reminders, cash-flow alerts, and month-end status updates. It is not used to send unrelated promotional marketing.

You can stop SMS by replying STOP or by turning SMS off in the app. For help, reply HELP or contact support@nevomoney.com.

How We Share Information

We share information only as needed to operate the Services, including with service providers such as Google Cloud and Firebase, Plaid, Stripe or app-store billing providers, Twilio, OpenAI, and Brandfetch.

We may also disclose information when required by law, to protect users or the Services, or as part of a merger, acquisition, financing, or asset sale.

We do not sell your personal information. Mobile opt-in data, consent records, and related messaging information are not shared with third parties or affiliates for their own marketing or promotional purposes.

Data Retention and Security

We keep information for as long as needed to provide the Services, keep your account active, comply with legal obligations, resolve disputes, and enforce our agreements. You can request deletion, subject to records we must keep for legal or operational reasons.

We use reasonable technical and organizational safeguards, including encryption in transit and at rest where applicable. No system is perfectly secure, and we cannot guarantee absolute security.

Your Choices

You can update your profile information, disconnect linked accounts, change notification settings, and turn SMS delivery on or off inside the app.

You can request account deletion by contacting support. If you receive SMS, you can also reply STOP at any time to opt out.

Children's Privacy

The Services are not intended for children under 13, or any higher minimum age required by your jurisdiction, and we do not knowingly collect personal information from children.

Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will post the updated version on this page and revise the effective date above.

Contact Us

If you have questions about this Privacy Policy or Nevo Money's privacy practices, email support@nevomoney.com