Privacy Policy

1. Information We Collect

Information You Provide

We may collect information that you voluntarily provide, including:

• Name
• Email address
• Account credentials
• Relationship preferences
• Financial planning information
• Savings goals
• Budgeting information
• User-generated content and responses to check-ins

Authentication Information

If you sign in using Google or Apple, we may receive:

• Your name
• Email address
• Authentication identifiers

We do not receive your passwords from Google or Apple.

Automatically Collected Information

We may collect:

• Device information
• Browser information
• IP address
• App usage analytics
• Crash reports
• Diagnostic information

2. How We Use Your Information

We use your information to:

• Provide and operate Magnolia
• Create and manage user accounts
• Connect users with their invited partner
• Store goals, plans, and preferences
• Improve the Services
• Provide customer support
• Send important account notifications
• Prevent fraud and abuse
• Comply with legal obligations

3. Partner Data Sharing

Magnolia is designed for collaborative financial planning between partners.

Information you choose to share within your relationship profile may be visible to your connected partner according to your selected privacy settings.

Users are responsible for managing their privacy preferences and understanding what information is shared with their partner.

4. Financial Information

Magnolia is a planning and budgeting platform.

We do not currently provide banking services.

Unless explicitly stated, Magnolia does not directly hold customer funds.

If bank account integrations are added in the future, this Privacy Policy will be updated accordingly.

5. Third-Party Services

We may use trusted third-party providers including:

• Authentication providers (Google, Apple)
• Cloud hosting providers
• Analytics providers
• Payment processors
• Database and infrastructure providers

These providers may process information on our behalf.

6. Data Security

We implement reasonable administrative, technical, and organizational safeguards designed to protect your information.

However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

7. Data Retention

We retain information for as long as necessary to:

• Provide our Services
• Comply with legal obligations
• Resolve disputes
• Enforce agreements

You may request deletion of your account at any time.

8. Your Rights

Depending on your location, you may have rights to:

• Access your information
• Correct inaccurate information
• Delete your information
• Restrict processing
• Object to certain uses
• Request data portability

To exercise these rights, contact us using the information below.

9. Children's Privacy

Magnolia is not intended for individuals under the age of 18.

We do not knowingly collect personal information from children.

If we learn that information has been collected from a child, we will take steps to delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time.

If we make material changes, we will notify users through the Services or by email.

Continued use of Magnolia after updates constitutes acceptance of the revised policy.

California Privacy Rights

California residents may have additional rights under applicable privacy laws, including the right to know, delete, and correct personal information collected by Magnolia.

International Users

If you access Magnolia from outside the United States, you understand that your information may be processed and stored in the United States.