Money+ Privacy Policy
Last updated 30 September 2026 · Plus Ventures LLC
Money+ keeps your financial records in your own Google Sheets, in your own Google Drive. We do not keep a copy of your transactions. What we do hold is the encrypted credentials and settings needed to keep your Sheet up to date — and this policy says exactly what those are.
This policy covers the Money+ mobile and web app. It does not cover other Plus Ventures apps, which have their own policies.
Your financial data lives in your Sheets
Transactions, balances, categories, budgets and notes are written to a Google Sheets spreadsheet in your own Google Drive. You own that file. You can open it outside the app, and it stays in your Drive even if you delete your Money+ data or the app itself.
- We request the narrow
drive.fileGoogle Drive scope. That grants access only to the specific files you create with or open through Money+ — not to the rest of your Drive. - We do not store your transaction history in our own database.
- You can revoke our access at any time from your Google account permissions. Your Sheet remains yours.
What we do hold on our servers
Money+ is not entirely serverless, and it would be misleading to imply otherwise. To connect your bank and keep your Sheet current, our servers store:
| Encrypted credentials | The Google and Plaid access tokens that let the app write to your Sheet and fetch new bank activity. Stored encrypted, used for nothing else. |
|---|---|
| Connection metadata | Which institutions and accounts are linked, spreadsheet identifiers, and sync state such as when a sync last ran and whether it succeeded. |
| Notification settings | Your preferences and the device token needed to deliver a push notification. |
| Your Plus account | Email address, sign-in provider, display name if you set one, and a user identifier. See below. |
Our servers process bank data through Plaid in transit and write it to your Sheet. We do not retain the transaction records after they are written.
Bank connections (Plaid)
Bank linking is provided by Plaid. When you link an account:
- You enter your bank credentials into Plaid's own secure interface. We never see or store your online banking username or password.
- Plaid returns account and transaction data to our servers, which write it into your Sheet.
- Plaid's handling of your information is governed by the Plaid End User Privacy Policy.
- You can disconnect any institution from Settings at any time. Disconnecting revokes our access going forward; data already written to your Sheet stays in your Sheet, under your control.
The offline copy on your device
- Your device keeps an encrypted copy of your data so you can view it offline.
- Your Sheet remains the source of truth. Edits require a connection and may fail if Google Sheets is unavailable — the app tells you when that happens rather than silently diverging.
- The cache is erased when you sign out. Your operating system may also evict it to reclaim space.
- On the web version this copy is held in memory only and does not persist.
Push notifications
Money+ push messages contain generic update text only — for example, that a sync finished. Amounts, balances, merchant names and account details are never placed in a notification, so nothing financial appears on a lock screen or passes through Apple's or Google's push infrastructure in readable form.
Sharing a space
Money+ organises data into spaces, and a space can be shared with people you invite. If you share one:
- The people you invite can see the data in that space, and — if you grant full rather than view-only access — can add and edit entries.
- Sharing is your decision and you can withdraw it. Withdrawing access is applied durably on our servers rather than only in the app.
- Because the underlying store is a Google Sheet in your Drive, review that file's own Google Drive sharing settings too. Anyone with Drive access to the file can read it regardless of anything set in Money+.
Your shared Plus account
Money+ signs you in with a shared Plus account, using Google or Apple. It holds the minimum needed to identify you across Plus apps: your email address, your sign-in provider, your display name if you set one, and a user identifier.
Deleting your Money+ data is not the same as deleting your Plus account. The two are separate on purpose, so that removing Money+ does not break another Plus app you use.
Deleting your data
Delete my Money+ data, in Settings, disconnects your banks and removes the Money+ server records listed above.
Two things it deliberately does not do:
- Your Sheets remain in your Google Drive. They are your files, and deleting them is your call, not ours.
- Your Plus account is not deleted. To remove the account itself, use withplus.co/delete-account.html or contact us.
Some non-identifying integrity metadata — hashes recording that a change was written, with no financial content — is retained for up to 30 days and then expires automatically.
Analytics and advertising
Money+ contains no analytics SDK, no crash reporting SDK and no advertising SDK. We do not track your use of the app. There are no advertising partners, no data brokers and no affiliate links.
We do not sell or share personal information, and have never done so.
Security
- Encryption in transit: all traffic uses TLS/SSL
- Encryption at rest: Google and Plaid tokens are stored encrypted, as is the offline copy on your device
- Secure infrastructure: server data is held in Google Cloud / Firebase
- Access controls: access to user data is restricted to authorised personnel
While we use commercially acceptable means to protect your information, no method of transmission over the internet or electronic storage is 100% secure.
Children
Money+ is not intended for children under 13, and additionally requires that you be old enough to hold the financial accounts you connect. We do not knowingly collect personal information from children.
International data transfers
Your information may be transferred to and processed in countries other than your country of residence, including the United States, which may have different data protection laws. By using Money+ you consent to such transfers. We ensure appropriate safeguards are in place.
Your rights
Depending on where you live, you have rights over the personal data a company holds about you. Plus Ventures LLC is the data controller for the data described here.
If you are in the European Economic Area or the United Kingdom (GDPR / UK GDPR): rights of access, rectification, erasure, restriction, portability, objection, withdrawal of consent, and the right to complain to your national supervisory authority. Our legal basis is your consent, contractual necessity in providing the app you asked for, and our legitimate interest in operating it.
If you are a California resident (CCPA/CPRA): rights to know, delete, and correct, and non-discrimination for exercising them. We do not sell or share personal information, so there is nothing to opt out of.
Much of this you can exercise yourself without asking us: your financial records are in a file you own, and you can revoke our access to it at any time.
Changes
If this policy changes we will update the date at the top of this page and post the new policy in the app. For any material change we will surface an in-app notice before it takes effect.
Contact
Questions about this policy, or to exercise a privacy right: privacy@withplus.co (also reachable at privacy@got.plus)
General support: support@withplus.co