MCP is off until you give permission
MoneyCoach MCP is disabled by default. No financial data is available through MCP until you turn on Allow AI Connections and confirm the disclosure in MoneyCoach.
MCP privacy
You decide when AI access begins
MoneyCoach MCP is disabled by default. If you enable it, the client you configure can request read-only financial data and may forward that data to its configured AI provider.
You choose the recipient
You choose and configure the MCP client that receives requested data, such as Claude Desktop, Cursor, Codex, Gemini CLI, or Ollama. MoneyCoach does not choose or configure that client for 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.
Your client may use a cloud AI provider
The local helper returns requested records to your chosen client. Depending on its configuration, that client may send the data off your Mac to OpenAI, Anthropic, Google, or another AI provider under that provider’s privacy, retention, and model-training rules.
Readable data
- Account names, account details, and balances.
- Transactions, categories, dates, amounts, and currencies.
- Budget details, goal details, reports, and progress.
- Active subscriptions, bills, and related financial metadata.
- Payee and merchant names, transaction titles, descriptions, notes, invoice references, and purchase details when the corresponding sharing controls are enabled.
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, goals, subscriptions, and bills.
Before you connect a client
- MCP is optional, disabled by default, and requires your confirmation before data becomes available.
- MCP access is read-only and designed for a trusted single-user Mac.
- MoneyCoach does not operate a remote MCP server, store a separate copy of MCP responses, or use MCP responses 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.
- Review the privacy, retention, security, and model-training terms of your selected client and AI provider before connecting them.
- You can immediately block future MCP requests by turning off Allow AI Connections. You should also remove the MoneyCoach configuration from clients you no longer use.
- 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.