Privacy Policy

Your privacy matters to us. This policy explains what Mint ("we", "us", "our") collects, why, and the choices you have. It applies to the Mint mobile app and this website (the "Service").

1. What we collect

• Account information — the email and password you use to create an account.
• Financial data you enter — balances, stacks, transactions, subscriptions, loans, and reminders. This is data you type in yourself; Mint does not link to your bank.
• Subscription status — whether you hold a Mint Premium subscription, provided by our payments partner (RevenueCat) via the Apple App Store or Google Play. We never receive your full card details.
• Voice input — if you choose to talk to Minty, the audio you record. It is sent to be turned into text (see section 3) and is not stored by us afterwards.
• Screenshots you choose to scan — if you use the Premium screenshot scan, the image you pick from your photo library. It is sent to be read for subscription details (see section 3) and is not stored by us afterwards. Mint only accesses the photos you select; it never scans your library.
• Basic technical data — device type, app version, and diagnostic information used to keep the app working.

2. How we use your data

We use your data to provide and secure the Service, sync your information across your devices, send the reminders and notifications you enable, power Minty's insights, process your subscription, and improve the app. We do not sell your personal data.

3. Minty (AI coach)

When you use Minty, Mint sends the message you type or speak to OpenAI, L.L.C. ("OpenAI"), our AI provider based in the United States, so it can generate a reply. If you use voice, your recording is sent to OpenAI to transcribe it into text. If you use the screenshot scan on the Subscriptions page, the screenshot you pick is sent to OpenAI to read the merchant names, prices, and renewal dates on it, and nothing is saved until you confirm each item. To make the answers relevant to you, Mint also shares a summary of the account data you have entered — your balance, budgets, subscriptions, recent transactions, and goals.

OpenAI processes this data only to generate the response and, under its API terms, does not use it to train its models; it applies protections comparable to those described in this policy. We ask for your permission inside the app before anything is sent to OpenAI for the first time, and you can decline. Screenshots are processed only for that scan and are not used to build a profile of you. Minty's answers are informational only and are not financial advice.

4. Sharing

We share data only with service providers who help us run Mint — hosting, payment processing through the app stores and RevenueCat, and OpenAI for the Minty and screenshot-scan AI features described in section 3 — and only as needed to provide the Service. We may disclose information if required by law. We do not sell your personal data.

5. Data retention and security

We keep your data for as long as your account is active. We use reasonable technical and organizational measures to protect it, though no method of storage or transmission is completely secure.

6. Your rights

You can access, correct, export, or delete your data. Deleting your account removes your financial data from our systems. To make a request, email us at support@financewithmint.com.

7. Children

Mint is not intended for children under 13, and we do not knowingly collect their data.

8. Changes

We may update this policy from time to time. Material changes will be reflected by the "last updated" date above.

9. Contact

Questions about your privacy? Reach us at support@financewithmint.com.