FINANCIAL PRIVACY NOTICE

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Effective Date: October 7, 2026

Version: 2026-10-07

Last Updated: September 6, 2026

This Financial Privacy Notice is provided by MoneyRoom LLC ("MoneyRoom," "we," "us," or "our") under the federal Gramm-Leach-Bliley Act, 15 U.S.C. § 6801 et seq., and the Federal Trade Commission's Privacy of Consumer Financial Information Rule, 16 C.F.R. Part 313. Because MoneyRoom is significantly engaged in a financial activity — collecting and organizing consumer financial account information at your direction — we treat ourselves as a "financial institution" under that law and provide this notice describing our actual practices. This is a custom notice, not the federal model privacy form.

This notice specifically addresses financial-information sharing. The Privacy Policy at https://moneyroom.net/privacy?version=2026-10-07 supplies additional detail; it does not expand the sharing permitted by this notice.

FACTS — WHAT DOES MONEYROOM LLC DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Contact details (name, email address)
Account balances and transaction history from accounts you link via Plaid
For credit cards, your credit limit and available credit (part of the balances above), used to show utilization
Legacy investment information from previously linked accounts; new investment connections are not currently offered
Subscription and transaction information processed through Stripe Managed Payments and Link
Account credentials protected by authentication services and hashing or encryption, as applicable
Card, credit, fee, usage, benefit-value, and points information you enter

How?

Companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons companies like ours can share their customers' personal information, the reasons MoneyRoom chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information	Does MoneyRoom share?	Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), and respond to court orders and legal investigations	Yes	No
For our marketing purposes — to offer our products and services to you	Only if you opt in	Yes
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes — information about your transactions and experiences	No (we have no affiliates that share this information)	We don't share
For our affiliates' everyday business purposes — information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	No	We don't share

To limit our sharing

You can withdraw consent to MoneyRoom marketing emails at any time. We do not share your information for other companies' marketing. Unsubscribing does not stop operational processing necessary to provide requested services or meet legal obligations. To unsubscribe, you may:

Click the unsubscribe link in any marketing email we send you, or
Email us at moneyroomtracking@gmail.com, or
Contact us through the in-app support feature.

After account closure, retained records, including records kept for legal, security or deletion-recovery purposes, remain subject to these sharing restrictions. Anonymous shared-matching contributions are described separately in the Privacy Policy.

Questions?

Email us at moneyroomtracking@gmail.com or contact us through the Service.

WHO WE ARE

Who is providing this notice?
MoneyRoom LLC, an Arizona limited liability company, providing a personal-finance application that helps users track credit-card statement credits, annual fees, benefits, and spending.

WHAT WE DO

How does MoneyRoom protect my personal information?

We maintain safeguards designed to protect personal information against unauthorized access and use. These measures include encryption of sensitive credentials at rest, transport-layer encryption (HTTPS) in transit, secured infrastructure, and access controls.

How does MoneyRoom collect my personal information?

We collect your personal information, for example, when you:

Sign up for a MoneyRoom account
Link a financial account through Plaid
Provide contact information
Pay for a subscription or other service
Communicate with our support team

We also collect your personal information from third parties, such as Plaid (which provides read-only access to financial account data you authorize), payment processors, and operational service providers. Our Privacy Policy at https://moneyroom.net/privacy?version=2026-10-07 identifies the principal operational providers and their roles. Stripe Managed Payments identifies Link as the merchant of record for purchases; Stripe, Link, and Plaid may also process information under their own notices for their respective payment, security, legal, and account-connectivity purposes.

Why can't I limit all sharing?

Federal law gives you the right to limit only:

Sharing for affiliates' everyday business purposes — information about your creditworthiness;
Affiliates from using your information to market to you; and
Sharing for nonaffiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing. See our Privacy Policy at https://moneyroom.net/privacy?version=2026-10-07 for additional rights, including those of California, Virginia, Colorado, Connecticut, Utah, Texas, and other state residents.

Does MoneyRoom offer joint accounts?

MoneyRoom accounts are individual accounts. A preference you submit applies to your MoneyRoom account; it does not change another person's MoneyRoom preferences or a bank's rules for an underlying joint financial account.

DEFINITIONS

Affiliates — companies related by common ownership or control. They can be financial and nonfinancial companies. MoneyRoom LLC currently has no affiliates that receive your personal information.

Nonaffiliates — companies not related by common ownership or control. They can be financial and nonfinancial companies. MoneyRoom does not share your personal information with nonaffiliates so they can market to you.

Joint marketing — a formal agreement between nonaffiliated financial companies that together market financial products or services to you. MoneyRoom does not engage in joint marketing.

OTHER IMPORTANT INFORMATION

California: If you are a California resident, we will not share information we collect about you with companies outside of MoneyRoom, except as the law allows or as you authorize. See our Privacy Policy for additional California rights under the CCPA/CPRA, including rights of access, correction, deletion, opt-out of sale or sharing, and limitation of use of sensitive personal information.

Vermont: If you are a Vermont resident, we will not share information we collect about you with companies outside of MoneyRoom unless the law allows or you authorize us to do so.

Nevada: If you are a Nevada resident and prefer not to receive marketing communications from us, you may opt out by emailing moneyroomtracking@gmail.com. You may also contact the Nevada Attorney General's Bureau of Consumer Protection.

CONTACT US

MoneyRoom LLC
PO Box 1393, Prescott, AZ 86302, USA
Email: moneyroomtracking@gmail.com

Publication and Change Log

Version displayed: 2026-10-07. Upcoming replacement — not yet effective. The dates in the document above describe the selected text, not the other version.

Replacement publication: revised September 6, 2026; version 2026-10-07; scheduled effective date October 7, 2026.

Public version versus your account. The default public page changes on the scheduled date. For existing accounts, the replacement applies no earlier than that date and 30 days after the in-app notice recorded for that account. Your account notice identifies any later date. Notice is not acceptance. The previous documents remain applicable during that notice period. Reading this public page does not change your account's consent record.

What changed in this document — replacement treated as material: Clarified that this notice controls financial-information sharing, that marketing withdrawal does not stop necessary operational processing, and that sharing restrictions continue after account closure. Prices, plans and feature access are unchanged.

Earlier text and factual corrections. Previous version identifiers are preserved. The public Privacy retention section and Terms copyright contact carry conspicuously identified current-practice corrections; historical source text remains in our records. Earlier corrections also used these identifiers, so an identifier alone is not a claim that every historical acceptance saw identical text.

Revision dates, effective dates, and consent versions have separate meanings. Updating a revision date alone does not request new consent.