MyMoney

Messaging Policy (SMS & Email)

Last Updated: May 6, 2026

This policy describes the SMS (text message) and email programs operated by MyMoney. By providing your phone number and completing verification, or by signing up for an account with an email address, you consent to receive the messages described below at the channels you have explicitly enabled.

1. Program Description

MyMoney sends two kinds of messages to users who have explicitly opted in:

  1. Critical financial alerts — time-sensitive notifications about your own financial accounts, including:

    • Cash balance falling below your configured floor (cash_low)
    • A bill due within the next three days (bill_due_soon)
    • An unusually large transaction on a connected account (anomaly_large_tx)
    • Expected income that did not arrive on schedule (anomaly_low_income)
    • A reimbursement that has passed its expected date (reimbursement_overdue)
    • A bank or exchange connection that needs re-authentication (sync_error)

    Beyond critical alerts, MyMoney also offers email-only notifications for non-critical alert types (budgets, goals, household, weekly tax tips, etc.). SMS is hard-restricted to the critical types listed above.

  2. Account summary digests — an optional daily or weekly summary of your account activity, sent at a time you choose, via email and/or SMS.

In addition, MyMoney sends transactional emails that are not part of the alerts program: account verification, password reset, email change confirmations, and similar account-security messages. Those are required to operate your account and cannot be disabled while the account is active.

Each alert channel (SMS and email) is individually opt-in per alert type, on top of the master per-channel toggle. Users may opt out at any time.

2. Opt In

Email

Users provide an email address during account signup. The address is verified by clicking a link in a confirmation email before the account becomes usable. Email alerts are off by type — once your account is verified, you must enable individual alert types in Settings → Alerts → Per-alert routing and tick Email on each one. The master "Email alerts" toggle in Settings → Alerts → Notifications must also be on.

SMS

Phone-number opt-in is collected inside the authenticated app, not through public web forms. The flow is:

  1. User signs into their MyMoney account.
  2. User navigates to Settings → Alerts → Notifications.
  3. User types a phone number into the "Phone number for SMS alerts" field.
  4. User clicks Send code. We send a one-time 6-digit verification code via Twilio Verify to the number provided.
  5. User enters the code in the app and clicks Verify.
  6. The phone number is then marked verified and stored against the user's account. The master "SMS alerts" toggle becomes available.
  7. The user must additionally enable SMS for each alert type they want to receive (critical alerts only) and/or enable SMS for the summary digest.

The opt-in form displays the consent disclosure shown in section 4 below directly above the Send code button. Clicking that button constitutes affirmative opt-in.

A screenshot of this collection UI is available on request to andrewdanawalsh@gmail.com.

3. Sample Messages

Sample alert (SMS)

MyMoney: Cash running low - Your projected balance after upcoming bills is $487, below your $500 floor. https://my-money-lemon.vercel.app/app/alerts

Sample alert (email)

Subject: [MyMoney] Cash running low

Your projected balance after upcoming bills is $487, below your $500 floor.

Open in MyMoney: https://my-money-lemon.vercel.app/app/alerts

Manage which alerts email you: https://my-money-lemon.vercel.app/app/settings?tab=alerts

Sample summary digest (SMS)

MyMoney daily: cash $4,231 · spent $182 · 2 alerts (1 critical) · 3 bills due $640. https://my-money-lemon.vercel.app/app/dashboard

Sample summary digest (email)

Subject: [MyMoney] Daily digest

Your MyMoney daily digest (last 24h):

Cash on hand: $4,231 Spending: $182 New alerts: 2 (1 critical, 1 warning, 0 info)

Upcoming bills (next 7d, $640 total): • Internet — $80 on 2026-05-08 • Rent — $500 on 2026-05-09 • Streaming — $60 on 2026-05-12

Sample verification message (sent during SMS opt-in)

Your MyMoney verification code is: 123456

4. Opt-In Confirmation Disclosure

The consent disclosure presented above the Send code button (SMS opt-in) reads:

By clicking Send code, you agree to receive a one-time SMS verification code from MyMoney. Once verified, you may opt in to receive critical financial alerts and/or a recurring summary digest from MyMoney at this number. Message frequency varies based on your account activity and preferences. Message and data rates may apply. Reply HELP for help, STOP to cancel. Consent is not a condition of any purchase.

After successful verification, the user receives a one-time in-app confirmation that the number has been added to their account (we deliberately do not send a welcome SMS, to avoid an unsolicited message).

For email, opt-in is granular per alert type — there is no single "welcome" email triggered when you tick an alert-type email checkbox. Every transactional email and every alert email contains a link back to Settings → Alerts so you can adjust your preferences.

5. Help Message

SMS

If you reply HELP to any MyMoney SMS, you will receive:

MyMoney alerts: critical money notifications + optional daily/weekly summary. Frequency varies with your activity and settings. Msg & data rates may apply. Reply STOP to opt out. Manage alerts at https://my-money-lemon.vercel.app/app/settings or email andrewdanawalsh@gmail.com.

Email

Every alert email and every digest email contains a footer with a link to Settings → Alerts where you can change cadence, channels, or unsubscribe per type. For account help, email andrewdanawalsh@gmail.com.

6. Opt-Out

You may stop receiving messages from MyMoney at any time.

SMS

  • Reply STOP to any SMS we send. You will receive one final acknowledgement and will not receive further SMS messages from us.
  • Remove your phone number in Settings → Alerts → Notifications → Remove. This clears the verified phone, disables the SMS master toggle, and turns off any per-alert-type SMS subscriptions.
  • Disable the master "SMS alerts" toggle, which suppresses all SMS without removing the phone number.
  • Disable SMS on individual alert types in Settings → Alerts → Per-alert routing.

After replying STOP you may opt back in at any time by re-verifying your phone number through the in-app flow.

Email

  • Disable the master "Email alerts" toggle in Settings → Alerts → Notifications, which suppresses every alert email at once.
  • Untick Email on individual alert types in Settings → Alerts → Per-alert routing.
  • Set your summary digest cadence to Off.
  • Delete your account from Settings → Danger Zone, which terminates all messaging.

Account-security emails (signup confirmation, password reset, email change confirmation, MFA reset) cannot be turned off while the account is active.

7. Frequency

Message frequency varies based on your account activity and preferences:

  • Critical alerts fire only when one of the conditions in section 1 is met. For most users this is fewer than five messages per month per channel.
  • Email-only alerts fire whenever the corresponding alert type triggers — this can be more frequent if you have many active budgets, goals, or recurring bills.
  • Summary digests fire at most once per day (daily cadence) or once per week on Sundays (weekly cadence), only at your configured local hour.

SMS sent during your configured quiet hours window is queued and delivered as soon as your local clock moves outside the window (drained hourly). Critical-severity alerts pierce quiet hours by default and arrive immediately; you can turn that off in Settings → Alerts → Notifications, in which case critical alerts queue too. Queued messages older than 24 hours are dropped — there is no point delivering yesterday's bill-due-soon notice. Email is not subject to quiet hours.

8. Costs

MyMoney does not charge for SMS or email. Standard message and data rates from your mobile carrier may apply for SMS.

9. Carriers Supported

We support all major U.S. carriers including AT&T, T-Mobile, Verizon, Sprint, U.S. Cellular, MetroPCS, and Boost Mobile. Carriers are not liable for delayed or undelivered messages.

10. Privacy

Phone numbers collected for SMS are used only to deliver the SMS messages described in this policy. Email addresses collected at signup are used to operate your account and to deliver the alerts and digests you opt into.

We do not sell, rent, or share phone numbers or email addresses with third parties for marketing. Phone numbers are processed by Twilio Inc. (our SMS gateway and verification provider) and email addresses are processed by Resend Inc. (our transactional email provider) under their respective data processing terms. See our Privacy Policy for full details on how we handle personal information.

11. Contact

For questions about this messaging program:

Andrew Walsh · Owner, MyMoney andrewdanawalsh@gmail.com