1. Introduction

This Privacy Policy describes how YnabToMonarch ("we," "our," or "us") collects, uses, and protects your information when you use our application that helps transfer financial data from YNAB (You Need A Budget) to Monarch Money. By using our application, you agree to the collection and use of information in accordance with this policy.

2. Purpose and Data Use

We are completely transparent about how we use your data:

• Primary Purpose: To transfer your transaction history, account information, and budget data from YNAB to Monarch Money as requested by you.
• Secondary Purpose: To provide you with preview capabilities and account mapping tools to ensure accurate data transfer.
• No Other Uses: We do not use your data for any other purposes including analytics, marketing, advertising, or any commercial purposes beyond the core functionality described above.

3. Data Collection and Handling

What Data We Access

Through the YNAB API, we access:

• Your budget information and categories
• Account names, types, and balances
• Transaction history including payees, amounts, dates, and memos
• Account-specific transaction counts and balances

How We Handle Your Data

• Secure Processing: All data is processed securely using industry-standard encryption both in transit and at rest
• Client-Side Processing: Your financial data is processed entirely within your browser - we do not store any data on our servers
• Local Storage Only: All application data is stored locally in your browser's localStorage and sessionStorage
• No Server Storage: We do not have any permanent or temporary server-side storage of your financial data, transaction history, or account information
• Browser-Based Session: Session data is stored in your browser only and is automatically cleared when you complete the transfer, close the browser tab, or clear your browser data

Access Tokens and Security

• We securely handle OAuth access tokens obtained directly from YNAB
• Access tokens are encrypted and stored only for the duration of your active session
• We never store your YNAB username, password, or any financial account credentials
• All API communications use HTTPS encryption

4. Data Sharing and Third Parties

We guarantee that your data will not unknowingly be passed to any third party.

• No Data Sales: We do not sell, rent, or trade your personal or financial data to any third parties
• No Analytics Sharing: We do not share your data with analytics services, advertising networks, or data brokers
• Intended Transfer Only: The only "sharing" of your data is the intended transfer to Monarch Money, which you explicitly authorize and initiate
• Service Providers: We may use trusted service providers (like hosting services) who are bound by strict confidentiality agreements and only process data as necessary to provide our service

5. Data Storage and Management

• Local Storage Only: All data is stored exclusively in your browser's local storage - no server-side storage exists
• Session Data: Temporary transfer data is stored in browser sessionStorage and automatically cleared when you close the browser tab
• User Control: You have complete control over your data and can clear it anytime by clearing your browser data or using browser developer tools
• No Deletion Requests Needed: Since we don't store any data on our servers, there's nothing for us to delete - all data management is handled locally by your browser

6. Your Rights and Controls

• Access: You can request information about what data processing occurs in your browser
• Local Control: You have complete control over your data through browser storage management
• Revocation: You can revoke access permissions through your YNAB account settings
• Data Portability: Since we don't store your data permanently, all your data remains in your original YNAB account

7. Security Measures

• End-to-end encryption for all data transfers
• Secure hosting infrastructure with regular security updates
• Limited access controls to our systems
• Regular security audits and monitoring
• Compliance with industry-standard security practices

8. Changes to Data Use

If we ever need to access additional types of data not originally disclosed in this privacy policy, or if we change how we use your data, we will:

• Update this privacy policy with a new "Last Updated" date
• Display prominent notices on our website about the changes
• Request your explicit consent before accessing any new data or using data in new ways
• Allow you to review and approve changes before continuing
• Note: Since we don't store contact information, users should periodically check this page for updates

9. Contact Information

If you have any questions about this Privacy Policy or want to exercise any of your rights, please contact us:

• Email: fazekas.devon@gmail.com
• Response Time: We typically respond within 24-48 hours
• Note: We don't store contact information, so please check this page periodically for policy updates

10. Legal Compliance

This privacy policy is designed to comply with applicable privacy laws and regulations. We are committed to protecting your privacy and will only process your data as described in this policy and as required by law.

11. YNAB and Monarch Money Integration Disclaimers