Privacy Policy

UseMoney ("we", "our", "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our portfolio management platform.

By using UseMoney, you agree to the collection and use of information in accordance with this policy.

Account information

• Email address and name (via Clerk authentication)
• Profile information you provide

Broker connection data

• OAuth tokens from connected brokers (encrypted)
• Holdings, positions, and trade history synced from brokers
• We use read-only access — we cannot place orders on your behalf

Usage data

• Pages visited and features used
• AI queries and interactions
• Device and browser information

• To provide and maintain our service
• To sync and display your portfolio data from connected brokers
• To provide AI-powered insights and analysis on your trading
• To calculate performance metrics (P&L, XIRR, CAGR)
• To send important service updates and notifications
• To process payments for premium subscriptions
• To improve our platform and develop new features

We implement industry-standard security measures:

• Encryption: All broker credentials are encrypted using AES-256-GCM before storage
• Secure authentication: We use Clerk for secure user authentication with OAuth and MFA support
• HTTPS: All data transmitted is encrypted via TLS/SSL
• Read-only access: We only request read permissions from brokers — we cannot execute trades
• No password storage: We never store your broker passwords

We use the following third-party services:

• Clerk: Authentication and user management
• MongoDB Atlas: Database hosting (encrypted at rest)
• Dodo Payments: Payment processing for subscriptions
• Broker APIs: Zerodha, Upstox, Angel One, Groww, Dhan, Fyers, HDFC Sky, ICICI Direct for data sync
• Google Gemini (via Google Vertex AI): for portfolio analysis, research, and StockSage chat

Each third-party service has its own privacy policy governing the use of your information.

You have the right to:

• Access: Request a copy of your personal data
• Correction: Update or correct your information
• Deletion: Request deletion of your account and data
• Disconnect: Revoke broker connections at any time
• Export: Export your trade and portfolio data

To exercise any of these rights, please contact us at privacy@usemoney.ai.

If you have any questions about this Privacy Policy, please contact us at privacy@usemoney.ai.

UseMoney is a product of DIS Digital LLP. For additional privacy information regarding our parent company, see the DIS Digital Privacy Policy ↗.