MoneyCoach does not send MCP data to AI providers
The MoneyCoach MCP helper runs locally on your Mac. MoneyCoach does not operate a remote MCP server and does not itself send your MCP data to OpenAI, Anthropic, Google, or another AI provider.
MCP privacy
Optional, local, and read-only
MoneyCoach MCP lets a compatible client chosen by you request supported local data only after you enable access in MoneyCoach and configure that client yourself.
You choose and configure the AI client
MCP access is off unless you enable Allow AI Connections in MoneyCoach and add the generated setup config to a compatible client. That third-party client is chosen, configured, and controlled by you.
What connected clients can read
When you enable MCP and connect a compatible client, that client can request permitted read-only local MoneyCoach data, including account names and balances, transactions, categories, budgets, goals, reports, subscriptions, bills, and related financial metadata.
Cloud AI clients may move data off device
If your chosen AI client uses a cloud model provider, permitted MoneyCoach data may be transmitted outside your device by that client. MoneyCoach does not control third-party AI clients, model providers, their retention, training, security, or outputs.
Readable data
- Account names, account details, and balances.
- Transactions, categories, payees, merchants, descriptions, dates, and amounts.
- Budget details, goal details, reports, and progress.
- Active subscriptions, bills, and related financial metadata.
What MCP does not do
- Creating transactions.
- Editing or deleting MoneyCoach data.
- Triggering sync.
- Payments, bank transfers, or irreversible financial actions.
- Remote network exposure from MoneyCoach MCP.
- Long-lived app-hosted MCP sockets.
Your controls and responsibility
The Connect AI & MCP settings screen includes the main Allow AI Connections toggle plus privacy toggles for Share Payee & Merchant Names and Share Transaction Descriptions. If you hide those details, connected tools can still answer with balances, amounts, dates, categories, budgets, and goals.
Before you connect a client
- MCP is optional and access is off unless you enable it.
- MCP access is read-only and designed for a trusted single-user Mac.
- MoneyCoach does not send local MCP data to our servers as part of this feature and does not use local MCP data to train AI models.
- MoneyCoach does not control third-party AI tools, model providers, prompts, logs, retention, training policies, account settings, security practices, or onward sharing.
- You can revoke MCP access by disabling the MCP server, turning off Allow AI Connections, or removing the connected client or token.
- AI-generated outputs are informational only and are not financial, investment, tax, legal, accounting, or professional advice from MoneyCoach.
- You are responsible for reviewing all AI-generated responses before relying on them.
This page explains the product design and privacy boundaries. It is not legal advice and should be reviewed together with the full Privacy Policy and Terms of Service.