Can other users see my bank statements or transactions?
No. When you sign the Beta Tester Agreement, GhostMoney creates a unique private ID tied to your email address. Every piece of data you upload — transactions, statements, sinking funds, and coaching history — is stored under your ID only. No other user can access, view, or modify your data, even though all beta testers share the same app URL.
How does login work? What is an access code?
Each beta tester receives a unique 16-character access code by email after signing the Beta Tester Agreement. This code is yours only — no two users share the same code. Enter it on the login page to access your account. Keep your welcome email as a backup. If you lose your code, use the "Resend code" link on the login page and a new one will be sent to your registered email address. Sessions stay active for 30 days before requiring you to re-enter your code.
Is my bank statement file stored on GhostMoney's servers?
No. When you upload a PDF or CSV, its contents are sent to Anthropic's AI (Claude) for parsing. Only the extracted transaction data — merchant name, amount, date, and category — is saved to your account. The original file is never stored and is discarded immediately after processing. Your raw bank statement never touches GhostMoney's database.
Who has access to my financial data?
Only you. The developer has administrative access to the database infrastructure for maintenance purposes but does not actively monitor or review individual user data. Your data is stored in an encrypted database hosted on AWS servers (via Turso) and is never sold, rented, or shared with third parties. You can request complete deletion of all your data at any time by emailing hello@ghostmoney.app with the subject "Data Deletion Request."
What data does GhostMoney collect?
GhostMoney collects: (1) your full name, email address, phone number, and IP address when you sign the Beta Tester Agreement; (2) extracted transaction data from bank statements you upload (merchant names, amounts, dates, categories); (3) sinking fund goals and contributions you create manually; (4) feedback you submit through the feedback form. GhostMoney does not collect account numbers, routing numbers, bank login credentials, or Social Security numbers.
Is GhostMoney a licensed financial advisor?
No. GhostMoney provides financial information and AI-generated insights for educational purposes only. It is not a licensed financial advisor, broker, or investment service. Nothing on this platform constitutes financial advice. Always consult a qualified financial professional before making financial decisions. GhostMoney is not liable for any financial decisions made based on information provided by this app.