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Legal
Sub-processors
Last updated: July 3, 2026
MoneyYogi uses the third-party service providers ("sub-processors") listed below to operate the service. We publish this list so you can see exactly who processes data on our behalf, what they do, and where to read their terms.
We do not sell personal information, do not share it for cross-context behavioral advertising, and do not permit any AI provider we use to train their models on your data.
Lovable Cloud
- Purpose
- Application hosting, database, authentication, file storage, transactional email delivery, and the AI Gateway that routes prompts to Google's Gemini family of models. Lovable's own sub-processors (including the underlying database, edge runtime, and email provider) are listed on Lovable's Trust Center.
- Data categories
- Account credentials, profile data, encrypted financial data, AI conversation content, support email content.
- Processing location
- United States
- More information
- Lovable Trust Center
Plaid Inc.
- Purpose
- Read-only connection to your financial institutions to retrieve account metadata and transaction history. Plaid never receives instructions to move money from MoneyYogi.
- Data categories
- Bank login credentials (entered directly with Plaid, never seen by MoneyYogi), account balances, transactions, institution metadata.
- Processing location
- United States
- More information
- Plaid privacy & terms
Stripe, Inc.
- Purpose
- Payment processing for MoneyYogi subscriptions and one-time coaching call purchases. Stripe accepts and processes card payments, stores the payment method on file, and provides the billing portal where you can update your card, view invoices, and cancel. MoneyYogi LLC is the seller of your subscription and is responsible for billing, refunds, and support.
- Data categories
- Billing name, email, billing address, payment method (held by Stripe, not by MoneyYogi), subscription and charge history.
- Processing location
- United States / Global
- More information
- Stripe privacy policy
Google (Gemini API)
- Purpose
- Generates AI responses to your prompts in MoneyYogi AI chat and assists with categorization. Accessed via the Lovable AI Gateway. Per the Gemini API terms for paid usage, prompts and responses are not used to train Google's models.
- Data categories
- Prompts you send, the minimum context required to answer (e.g. a small set of transactions or a date range), and the generated response.
- Processing location
- United States
- More information
- Gemini API terms (no-training for paid tier)
Google Calendar
- Purpose
- Used only if you choose to book a coaching call from the in-app coaching page. The booking link opens Google Calendar; we do not store the calendar data ourselves.
- Data categories
- Name, email, and meeting topic you provide when booking a call.
- Processing location
- United States
- More information
- Google privacy policy
Changes to this list
We update this page when we add, remove, or materially change a sub-processor. The "Last updated" date at the top reflects the most recent change. If you'd like advance notice of new sub-processors, email josh@moneyyogi.ai and we'll add you to the notification list.
Questions
Questions about our sub-processors or our security posture can be sent to josh@moneyyogi.ai.