Privacy Policy

Junto helps you and your household budget together. We collect as little as possible, we never sell your data, and we never use it to train AI models. Here we explain, in plain language, what information we process and what you decide.

Who is behind Junto

Junto is operated by The Nomad Code LLC, 4301 S. Flamingo Road, Suite 106 #573, Davie, FL 33330, USA — a US company (LLC). The company is the data controller for the information described here.

What information we process

• Your account: your name and email, so you can log in and be invited to a household.
• Your budget: the expenses, budgets, income and savings that you and your household enter yourselves.
• Your Junto AI conversations: what you write to Junto AI and its answers, kept in your household's history until you delete them or your account. Images you attach, such as a receipt, are kept for 7 days.
• Receipts and statements you choose to add: images and files you upload yourself so Junto AI can read the amounts. Adding one is always your choice; see "Who helps us" for who processes them.
• Notifications: if you allow them, a notification token for your device, so we can send them. It's removed when you sign out.

Who helps us

To make Junto work, we share only what's needed with a small set of trusted providers:

• Cloudflare — hosting, and the AI Gateway our Junto AI requests pass through. The gateway doesn't store what's in them.
• OpenAI — processes Junto AI requests: what you type, the budget figures Junto AI reads to answer you, and any receipt or statement you add. OpenAI doesn't keep them once it has answered, and never uses them to train models.
• Resend — sending emails, such as confirmations, invitations and the weekly pulse, and the copy of your data we send when you delete your account.
• Polar — payments. Polar is the merchant of record for Junto AI on the web, so Junto never sees your card details.
• Apple, Google Play and RevenueCat — Junto AI bought in the iPhone and iPad app is paid through the App Store; Android purchases are paid through Google Play. RevenueCat keeps track of the subscription. Apple also delivers notifications on iPhone and iPad.
• Firebase Cloud Messaging (Google) — delivers Android notifications. Its SDK automatically creates an app-installation identifier even if you do not allow notifications. If you allow them, we register a notification token with your account and remove that registration when you sign out.
• PostHog (EU, Frankfurt) – usage statistics and error reporting. Never processes your budget figures.

AI access to your budget

If you connect an AI assistant to Junto (for example Claude or ChatGPT via MCP), it only gets access to your own household's data — and only after you connect it yourself. You can disconnect it again at any time. We never sell your data, and we never use it to train AI models.

Your rights

Under the GDPR, you have the right to:

• see the information we hold about you (access),
• have incorrect information corrected (rectification),
• have your data deleted (erasure),
• get a copy of your data in a common format (portability),
• complain to Datatilsynet, the Danish data protection authority, if you think we handle your data wrongly.

You can download your data and delete your account yourself in the app, under Settings. For anything else, write to us atsupport@junto.finance, and we'll help you.

Cookies and statistics

We use the cookies needed to keep you logged in. On this website we ask whether we may set a single statistics cookie; if you say no, we count your visit anonymously without storing anything on your device.

Inside the app itself we set no tracking cookies. We collect usage statistics tied to your account — which features are used — so we can improve Junto. When something breaks in the app we record the fault with it, so we can fix it. Neither ever contains amounts, account names or anything at all about your finances, and you can turn both off under Settings. No ads, and no analytics that follow you around the web.

Approximate location and IP addresses

When usage statistics are enabled, PostHog derives an approximate location, such as your city or country, from your IP address for analytics. This location is linked to your account along with usage events. PostHog discards the IP address before storing the events. This does not use GPS or your device’s location services, and you can turn off app usage statistics under Settings.

At sign-up, Cloudflare provides an IP-based country code as a fallback for choosing your household’s initial currency. We save the chosen currency, not that country code, in your household settings. For purchases on the web, Polar uses your IP address to suggest a billing country for tax calculations.

Changes

If we update this policy, we change the date at the top of the page. We'll let you know about any significant changes.