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Privacy Policy

Last Updated: January 11, 2026

1. Introduction

Welcome to Momenta ("we," "our," or "us"). We are committed to protecting your privacy and ensuring you have a positive experience while using our mobile application (the "App"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our App.

By using Momenta, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our App.

2. Information We Collect

2.1 Information You Provide

We collect information that you provide directly to us, including:

  • • Account Information: Name, email address, and profile information when you sign in with Google
  • • Financial Goals: Your home buying goals, target price, location preferences, and timeline
  • • Basic Information: Personal details you provide during onboarding
  • • Credit Score: Optional credit score information you choose to provide
  • • Mortgage Statements: PDF documents you upload for analysis

2.2 Financial Account Information

When you connect your bank accounts through Plaid, we collect:

  • • Account balances and transaction history
  • • Account information (account type, name, number)
  • • Transaction details (amount, date, merchant, category)

This information is collected through Plaid, a third-party service that securely connects to your financial institutions. Plaid's use of your information is governed by their privacy policy.

2.3 Automatically Collected Information

We automatically collect certain information when you use our App:

  • • Device Information: Device type, operating system, unique device identifiers
  • • Usage Data: How you interact with the App, features used, time spent
  • • Log Data: IP address, access times, app crashes, and error reports

3. How We Use Your Information

We use the information we collect to:

  • • Provide, maintain, and improve our services
  • • Generate personalized financial insights and recommendations
  • • Analyze your spending patterns and identify money-saving opportunities
  • • Extract and analyze mortgage statement data using AI technology
  • • Create personalized daily audio episodes with financial insights
  • • Send you notifications and updates about your account
  • • Respond to your inquiries and provide customer support
  • • Detect, prevent, and address technical issues and security threats
  • • Comply with legal obligations and enforce our Terms of Service

4. Third-Party Services

4.1 Plaid

We use Plaid to securely connect your bank accounts. When you use Plaid, you are also subject to Plaid's Privacy Policy. Plaid may collect, use, and share your information according to their privacy practices. We encourage you to review Plaid's Privacy Policy at plaid.com/legal.

4.2 Firebase (Google)

We use Google Firebase for authentication, data storage, and analytics. Your data is stored securely in Firebase's cloud infrastructure. Firebase's use of your information is governed by Google's Privacy Policy.

4.3 OpenAI

We use OpenAI's API to analyze mortgage statements and generate financial insights. When you upload a mortgage statement, the document text is sent to OpenAI for processing. OpenAI's use of your information is governed by their Privacy Policy at openai.com/policies/privacy-policy.

4.4 ElevenLabs

We use ElevenLabs to generate audio content for daily episodes. Script text is sent to ElevenLabs for voice synthesis. ElevenLabs' use of your information is governed by their Privacy Policy.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

  • • Encryption of data in transit using HTTPS/TLS
  • • Secure storage of sensitive information
  • • Access controls and authentication
  • • Regular security assessments

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. When you delete your account, we will delete or anonymize your personal information, except where we are required to retain it for legal purposes.

7. Your Rights and Choices

You have the following rights regarding your personal information:

  • • Access: Request access to your personal information
  • • Correction: Request correction of inaccurate information
  • • Deletion: Request deletion of your account and personal information
  • • Data Export: Request a copy of your data in a portable format
  • • Opt-Out: Unlink your bank accounts or stop using the App at any time

To exercise these rights, please contact us at the email address provided in Section 10.

8. Children's Privacy

Our App is not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy in the App and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

10. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us at:

Email: momentahomeownership@gmail.com

By using Momenta, you acknowledge that you have read and understood this Privacy Policy.