MyMoney AI Disclosure

Effective Date: 2026-05-06 Last Updated: 2026-05-09

This document is a plain-English explanation of how MyMoney uses AI, what it sees, what model produces the output, and how to turn it all off.

1. Provider and model

MyMoney's AI features are powered by Anthropic's Claude API. Specifically:

Claude Sonnet (current version: claude-sonnet-4-6) — the default model for analytical features (advisor, recategorizer, anomaly detection, weekly digest, goal coach, cash flow forecast, rebalancing, tax-doc OCR).
Claude Haiku — used for fast, narrowly-scoped parsing tasks (e.g. Time Machine natural-language input in the Simulator).

Anthropic is a U.S.-based AI safety company. Their privacy and data usage terms are at anthropic.com/legal/privacy.

2. What AI does inside MyMoney

3. What data is sent to the AI

For most features, we build a per-query "preamble" containing a slice of your data:

Account balances (totals, not account numbers)
Recent transactions: date, amount, merchant name, category, account
Budget caps + spend-to-date
Goal targets + progress
Holdings: ticker symbols, quantities, market values
Recent bills: name, amount, cadence, category
Income totals (last 30/60/90 days)
Net worth and cash-flow forecast inputs

We do not send:

Your legal name, email, phone number, address, government ID, or other directly identifying personal information
Your passwords, OAuth tokens, API keys, or any encrypted credential
Your uploaded tax documents as raw bytes (only OCR features that explicitly ask the model to read a file send the image)
Other users' data

For the tax-doc OCR feature specifically, we additionally send the image bytes of the document you uploaded so Claude's vision model can extract fields. The image is processed once per click and not retained at Anthropic beyond the request.

4. Anthropic's data handling

Per Anthropic's API policies:

No training on your data. Anthropic does not train models on traffic submitted via the API by default. We use the standard API and do not opt into any training-eligible program.
No retention beyond processing. Anthropic retains API request data only as long as needed to serve the response and meet operational/legal obligations (typically ~30 days for abuse monitoring), then deletes.
No vendor sharing. Anthropic does not share your data with third parties for marketing.

We have a Data Processing Agreement (DPA) with Anthropic; see Privacy Policy section 11.

5. Accuracy and limits

MyMoney's AI features are educational tools — not personal financial advice. We help you see your money clearly. We do not tell you what to do with it. Specifically:

You alone are responsible for decisions you make using MyMoney — including ones that incorporate AI-generated insights.

6. How to turn it off

You can disable AI processing across MyMoney at any time:

Settings → Preferences → AI features → off

Effects when AI is off:

Every AI-powered surface (advisor, forecast, rebalance card, simulator insights, recategorizer, etc.) is hidden in the navigation.
No further data is sent to Anthropic from your account.
Existing AI rules you created (per-merchant overrides, pattern proposals you accepted) keep applying — they're deterministic now. You can delete them in Settings → AI rules.
Past AI outputs (advisor messages, weekly digests, subscription audits) remain readable until you delete them or until automatic retention purges them.

There is also an operator-level kill switch (AI_ENABLED=false env). When set, every Claude call is short-circuited globally regardless of per-user preference.

7. Rate limits and cost controls

To avoid runaway costs, MyMoney enforces:

Per-user daily AI call cap — counts API calls across all features and rejects when exceeded with an inline 429 message in the UI.
Advisor chat rate limit — 20 messages per hour per user.
Operator daily cap — global ceiling across all users (ANTHROPIC_DAILY_CALL_CAP, default 200).

These caps protect both us and you. If you hit one, the failing AI surface tells you so and recovers automatically.

8. Updates to this disclosure

We may update this disclosure as features evolve. Material changes (new features that send new categories of data, a model swap, a change in retention) trigger a re-acceptance prompt at next login.

9. Contact

Questions about how we use AI:

Andrew Walsh · Owner, MyMoney andrewdanawalsh@gmail.com

Advisor chat	Answers your questions about your spending, budgets, goals, taxes, investments. Grounded in a snapshot of your real data.
Transaction recategorizer (F1)	When you correct a transaction's category, suggests a per-merchant rule and applies it across past + future transactions. Also a one-shot bulk pass over uncategorized rows.
Bill classifier (F2)	Pre-fills cadence, category, and amount range when you add a new bill.
Subscription audit (F3)	Monthly review of your recurring charges with cancel recommendations.
Anomaly detectors (F4a)	Flags unusual large transactions, category spikes, missing income.
Weekly digest (F4b)	Sunday-night narrative summary of the past week.
Goal coach (F5)	Weekly check-in commentary on each goal — behind, ahead, milestone, stalled.
Health score (F6)	Six-component financial health score with Sonnet narrative.
Receipt → transaction match (F7)	Deterministic with AI assist on the OCR step.
Pattern proposals (F8b)	Mines your correction log for proposed automations.
Cash flow forecast	Sonnet narrative on top of a deterministic 365-day projection.
Tax-doc OCR	Vision-enabled extraction of W-2, 1099, 1098, receipt fields.
Rebalancing analysis	13-bucket asset allocation review against your target.
Tax history audit	Year-over-year longitudinal review of your tax returns.
Tax tips	Weekly Monday tips email (Sonnet).
Wizard chat	Budget + goal creation wizards with sanity-checked numerical proposals.
Simulator insights	Narrative on backtest / paper-trading results.