How we collect, use, share, and protect information about you when you use Unicorn Money. For the plain-English version with examples and our reasoning, see our Security & Privacy page.
This Privacy Policy describes how Unicorn Money LLC, a Texas limited liability company ("Unicorn Money", "we", "us", or "our"), collects, uses, shares, and protects information about you when you use the Unicorn Money website at unicornmoney.app, the Unicorn Money web application at my.unicornmoney.app, the Unicorn Money mobile application for iOS, and any related services we offer (collectively, the "Service").
By creating an account, accessing, or using the Service, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with this Policy, please do not use the Service.
If you have questions about this Policy, contact us at privacy@unicornmoney.app.
The Service is offered by Unicorn Money LLC and is intended for use by individuals located in the United States. We do not target or actively market the Service to users outside the United States, and our infrastructure (including data storage) is located in the United States.
If you are accessing the Service from outside the United States, please be aware that your information will be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your jurisdiction. We do not currently offer the Service in compliance with the EU General Data Protection Regulation (GDPR), the UK GDPR, or similar non-U.S. data protection frameworks. By using the Service, you consent to the transfer and processing of your information in the United States.
The Service is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will delete it. If you believe we have collected information from a child under 13, contact us at privacy@unicornmoney.app.
When you use the Service, we and our service providers automatically collect limited technical information, which may include:
If you invite another person to join your household within the Service, you may share an invite code or link with them. We collect their information directly from them when they create their own account; we do not ask you to provide their personal information beyond what is necessary to send the invite.
If you subscribe to Una+ and choose to link a bank or card account, we use Plaid Inc. ("Plaid") to connect to that institution. When you tap to check a balance or catch up on transactions, we receive: the institution name, a partial account number ("mask"), current account balance(s), and recent transaction details (date, amount, and description) for the account you linked. We access this information only when you initiate it — there is no automatic, scheduled, or background syncing.
We store a secure access credential for the linked institution on our servers so you can retrieve again later. This credential is never accessible to your browser or app, and you can disconnect at any time, which deletes it. We do not store retrieved bank balances on our servers, and retrieved transactions do not become part of your records unless you explicitly select them to log. If you mark a suggested transaction as "already logged," we retain only an identifier for it so we do not suggest it again. Plaid handles your bank login credentials directly; we never see or store them. See Section 6.1 for more on Plaid.
The iOS app may request the permissions below. You can grant or deny each one, and some involve no transfer of information to us:
We use the information we collect for the following purposes:
We do not use your information to train AI models, sell your information, or serve advertising.
We use only essential, operational technologies necessary to provide the Service. Specifically:
We do not use third-party advertising cookies, retargeting pixels, cross-site tracking technologies, or analytics services such as Google Analytics or Meta Pixel. We do not sell or share your information with advertisers.
If we add additional analytics, advertising, or tracking technologies in the future, we will update this Privacy Policy and, where required by applicable law, request your consent.
We do not sell your personal information. We share information only with the service providers necessary to operate the Service, with other members of your household as you direct, and where required by law.
We share information with the following categories of service providers, each of which is contractually bound to protect your information and use it only to provide services to us:
The Service includes an AI companion called "Una" and AI-assisted features for onboarding, transaction categorization, and monthly summaries. These features are powered by Anthropic, PBC ("Anthropic"), which processes information on our behalf as a service provider under its commercial terms.
When you use AI-powered features, the following categories of information are transmitted to Anthropic's API:
Anthropic processes this information solely to generate responses for you. Under Anthropic's current commercial terms, Anthropic does not use API inputs or outputs to train its models. For more information, see Anthropic's Privacy Policy at anthropic.com/legal/privacy and its Commercial Terms at anthropic.com/legal/commercial-terms.
Una's voice is generated by ElevenLabs, PBC ("ElevenLabs"). When you use voice features or Una speaks aloud, we transmit the text of Una's replies to ElevenLabs to synthesize audio. That text may include your first name and financial information you have entered. ElevenLabs does not receive your own voice recordings; we use it only to convert text to speech. We have opted out of ElevenLabs using this data to train its models. ElevenLabs may review or, in limited cases, share inputs and outputs as needed for safety and content-moderation purposes. We do not use this information for advertising. See ElevenLabs' Privacy Policy at elevenlabs.io/privacy-policy.
When you talk to Una, your spoken audio is converted to text. On our iPhone app, this happens on your device where your device and language support it (your audio does not leave the phone); where on-device recognition isn't available, the audio is sent to Apple to be transcribed. In a web browser, your audio is sent to Google (Chrome and Edge) or Apple (Safari) to be transcribed. We use this only to turn your speech into text for Una; we don't use it for advertising. See Apple's and Google's privacy policies for how they handle audio they process.
Information about your household's budget, transactions, goals, feed activity, and shared Una conversations (if you choose to share them) is visible to all members of your household. Private one-on-one conversations with Una are not shared with other household members unless you explicitly share them to the household feed.
We may disclose information when we believe in good faith that disclosure is necessary to (a) comply with applicable law, regulation, legal process, or governmental request; (b) enforce our Terms of Service or this Privacy Policy; (c) detect, prevent, or address fraud, security, or technical issues; or (d) protect the rights, property, or safety of Unicorn Money, our users, or others.
If Unicorn Money is involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, your information may be transferred as part of that transaction. We will notify you (for example, by email and/or a prominent notice on the Service) of any change in ownership or use of your personal information.
We retain your information for as long as your account is active and as needed to provide the Service. If you delete your account, we will delete or de-identify your personal information within a reasonable period, except to the extent we are required to retain it for legal, accounting, fraud prevention, or dispute resolution purposes. Backups may persist for a limited additional period and are overwritten in the ordinary course.
Chat conversations with Una, household summaries, and budget history are retained for the lifetime of your household account so that the AI features can provide continuity and context. You can delete individual chat messages, household summaries, or your entire account at any time through the Service or by contacting us.
If you link a financial account through Una+, we retain the secure access credential for that institution until you disconnect the account, your Una+ plan lapses or is canceled, or you delete your account, at which point we instruct Plaid to remove the connection. We do not retain retrieved bank balances. Identifiers for transactions you have dismissed during catch-up are retained while your account is active so we do not re-suggest them.
We use commercially reasonable administrative, technical, and physical safeguards to protect your information, including:
No method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security. If we learn of a security breach affecting your information, we will notify you as required by applicable law.
Depending on where you live, you may have certain rights regarding your personal information under applicable U.S. state privacy laws (such as the California Consumer Privacy Act / California Privacy Rights Act, the Virginia Consumer Data Protection Act, the Colorado Privacy Act, the Connecticut Data Privacy Act, the Utah Consumer Privacy Act, and others). These rights may include:
To exercise any of these rights, contact us at privacy@unicornmoney.app. We will verify your request before responding, typically by confirming your control of the email address associated with your account. You may also designate an authorized agent to make a request on your behalf, subject to verification.
You can also update your profile information, delete chat messages, leave or delete your household, and delete your account directly within the Service.
Although Unicorn Money helps you manage budgeting and personal finances, we are not a bank, broker, lender, financial institution, financial advisor, or money transmitter. By default, financial information in the Service is information you enter manually. Our optional Una+ plan lets you link a financial account, on a read-only basis, through Plaid to check balances and catch up on logging; even then, we never move money, and nothing is added to your records without your explicit selection. We treat any financial information, however it reaches the Service, with the same care as other personal information described in this Policy.
The Service is provided for informational and organizational purposes only and does not constitute financial, investment, tax, or legal advice.
We may update this Privacy Policy from time to time. If we make material changes, we will notify you by email and/or by posting a prominent notice within the Service prior to the change becoming effective. The "Last Updated" date at the top of this Policy indicates when it was most recently revised.
Privacy questions or requests?
Unicorn Money LLC
1300 Summit Ave, #520, Fort Worth, Texas, 76102
Email: privacy@unicornmoney.app