Legal

Privacy Policy

Effective date: July 29, 2026 · Replaces the July 22, 2026 version

My Family Matters, Inc. ("Family Matters," "we," "us," or "our") built Family Matters to help families coordinate the practical work of caring for one another — organizing a household, keeping records of family loans and gifts, funding a child's education, watching over a home, and giving a professional a window into the pieces you choose to share. Doing that well means we hold sensitive information, much of it about your family and about people other than you. This Privacy Policy explains what we collect, why, who can see it, and the choices you have.

The short version. We are not a bank, a credit bureau, or your advisor — we are a place to coordinate and keep records. When you connect a financial account, we never receive your bank login. Family Matters is shared by design: the point of a household is that the people in it can see the records you keep together, so read Sections 2 and 6 carefully before you add information about other people. We do not sell your personal information, we do not share it for cross-context behavioral advertising, and we will never sell your financial data. This summary is not a substitute for the full policy below.


1. Scope, roles, and who we are

This Privacy Policy applies to all of the Services, which means, collectively: the marketing website at myfamilymatters.com (the "Site"); the applications at app.myfamilymatters.com, advisors.myfamilymatters.com, and homewatch.myfamilymatters.com; and the Family Matters iOS applications (together, the "App"). It replaces our prior privacy policy dated July 3, 2026 — a waitlist-era policy that applied only to the Site.

Depending on how you use the Services, you may be one or more of the following, and we use these terms throughout:

We also refer to Content, which means the information, records, documents, photos, and notes you create, upload, or record in the Services — including information about other people.

This Privacy Policy applies to your information whether or not you finish creating an account or ever become a registered user. Because of how the Services work, we may collect and hold information about a person before that person signs in for the first time, or even if they never do (see Sections 2 and 6).

Who we are and how to reach us. Family Matters is operated by My Family Matters, Inc., 1010 Dale Street North, St. Paul, MN 55117. For privacy questions or to exercise your rights, contact help@myfamilymatters.com. For text-message help, contact help@myfamilymatters.com.


2. Information you provide

Almost everything in Family Matters is information you (or another Member of your household, or an Operator, or an Advisor) type in, upload, or connect. The categories below reflect what the Services actually store.

Identity and profile

Your name (full, first), email address, mobile phone number, and — if you choose to add them to your profile — your date of birth, sex, and a display color for your avatar. Your email and phone number are the identifiers you use to sign in. Date of birth and sex are optional profile facts collected inside the app, not at sign-up.

Your family relationship graph

Family Matters lets you describe how the people in your family are related — for example that two people are spouses or domestic partners, that one is the parent or guardian of another, or that a relationship has since ended. These records can include marital and union status, whether a relationship is active or ended, the date a relationship began, and dates of birth. We use this graph to derive extended kin (siblings, grandparents, in-laws, step-relations, and so on) and to compute tax-related positions such as gift-splitting between spouses.

Please note: relationships are a property of people, not of a single household. Because of this, information you record about a person — including how they are related to others, their date of birth, and their contact details — can be visible in every household that person is linked to, not only the one you are working in. Section 6 explains this cross-household visibility in more detail.

Household and account details

The name of your household, whether the household is married for tax purposes, tax-planning figures you set (such as annual-exclusion and lifetime-exemption amounts), the modules your family signed up to work on, each Member's role and status, and household billing/entitlement state maintained by our payments provider.

Financial records you create

Family Matters is, in large part, a place to keep organized records of intra-family financial arrangements. Depending on which features you use, this can include:

Some verification-related features — identity verification (KYC) and credit checks — are present in the Services but are not active at launch; they operate against test stubs and do not pull real credit data today.

Home-watch and property information

For homes you or an Operator manage in the Services: the property's address, cover photo, occupancy status, and notes; stays (dates, headcount, and access notes); visit reports (summaries, checklist items, issue counts, and photos); maintenance tickets (photos, vendor name and contact, and cost); utility accounts and uploaded utility statements; and expenses.

The scope of a home-watch arrangement can also include physical-security information about the home — gate and alarm codes, pet and access notes — stored so that an authorized Operator can carry out the watch. Because these homes are often vacant, this is high-sensitivity information; Section 11 describes how we protect it and Section 15 describes a related risk in uploaded photos.

Photos, documents, and notes

Files you upload — home-watch check photos, maintenance photos, property cover photos, loan and agreement documents, and uploaded statements — along with any notes you write. These files and notes are part of your Content (Section 1). Files are stored privately and served through short-lived, signed links.

Information about other people

This is one of the most important things to understand about Family Matters. When you add a borrower, a 529 contributor, a Homeowner, an invitee, a trustee or beneficiary, or a minor family member, the Services create a record about that person — including their name and, where you provide them, their email address and phone number — at the moment you reference them, before that person has any account and without any direct interaction with us. A minor aged 13 to 17 may later be given a guardian-enabled, read-only sign-in within the guardian's household (see Section 13).

When you provide information about, or contact information for, another person, you are representing to us that you have that person's permission or other lawful authority to do so — including for us to contact them by text or email where you provide a number or address. This "inviter warranty" is set out in our Terms of Service, and it is what allows the Services to hold records about people who have not themselves signed up.

Information collected before you sign in (leads and waitlist)

When a visitor types a contact detail into the front door of the app — an email address or a ten-digit phone number — together with the "matters" they select that they want help with, we write that as a lead the instant it is typed, before any sign-in code is requested or entered. We keep that lead even if the person never completes sign-up or never returns. Contacts collected through our marketing waitlist (see Netlify in Section 6) are imported into the same records. If you would like a lead deleted, contact us using Section 12.


3. Bank and investment account data (Plaid and Akoya)

When you connect a financial account to Family Matters, you do so through our data-connection providers. At no point will we receive your login information to any of your financial accounts. Bank connections are made through Plaid Inc. ("Plaid"); certain investment and 529 accounts (including some Fidelity accounts) are connected through Akoya. You can review Plaid's practices in the Plaid End User Privacy Policy and Akoya's in Akoya's privacy policy.

Through these connections we receive information such as the financial institution name, account names and types, the account "mask" (last four digits), and balances. Where you enable transaction tracking on an account, we also receive that account's transaction history.

How we use transaction data. When you designate an account for gift detection or loan-payment tracking, Family Matters retrieves that account's transaction feed and runs a matcher that looks for money going to, or coming from, someone in your family relationship graph. The matcher normalizes the transaction description, ignores common payment-service words (such as the names of peer-to-peer apps), and looks for a whole-name match, scoring how confident the match is. When it finds a likely gift or loan repayment, it surfaces a suggestion for you to review — it never records anything automatically. Nothing becomes a gift or a payment in your records until you accept it. The Services surface only transactions that match a family name; your ordinary spending is not shown back to you as suggestions.

Depending on the institution and connection, Plaid can also make available the account owner's name, email, phone, and address. Because Family Matters connects read-only and does not move money, we do not request or store your bank routing or account numbers.

By connecting an account, you authorize us and our providers to access it on your behalf to retrieve this information, and you may revoke that authorization at any time by disconnecting the account or contacting us. The mechanics of that authorization are set out in our Terms of Service.


4. Information collected automatically

When you use the Services, some information is collected automatically:

Cookies and similar technologies. On the web, we use a small number of cookies and similar technologies. Essential cookies keep you signed in and help secure the Services; we cannot operate the signed-in experience without them. Analytics cookies and identifiers are set by Google Analytics 4 (web only) to help us understand how the Services are used, as described above. We do not use advertising cookies, and we do not present a cookie-consent banner today. You can control cookies through your browser settings and opt out of Google Analytics as described in Section 12. Our iOS App does not use cookies or any third-party analytics or telemetry SDK.


5. How we use your information

We use the information described above to:

We may also create de-identified or aggregated information that does not identify you and use it for our lawful business purposes, including to analyze and improve the Services. We will not attempt to re-identify such information or disclose it in a way that identifies you.


6. How we share your information

Sharing among the people you invite — this is how Family Matters works

Family Matters is built to be shared. The whole purpose of a household, a home-watch arrangement, or an advisor grant is that the right people can see the right records. As a result, the most significant "sharing" of your information is not to outside companies — it is to the other people you and your family bring into the Services:

Across households. Because relationships and identities are properties of people rather than of a single household (Section 2), a person who belongs to more than one household carries their identity, contact details, date of birth, and relationship graph with them. Information one household records about a person can therefore be visible to that person, and in the other households that person is linked to. Consider this before recording sensitive details about someone who participates in more than one family group.

We also receive information about you from other users. For example, when an Operator adds you as a Homeowner, or a family member invites you to a household, we receive your name and the contact details and home or household information they provide — before you have your own account.

Service providers (subprocessors)

We share information with companies that help us run the Services. They may use it only to perform services for us. The current providers, grouped by what they do and what they receive, are:

Infrastructure and hosting

Financial and investment account connections

Property data

Payments and invoicing

Family Matters does not move money and does not hold funds. Our account connections are read-only. Any money that moves does so through external rails you use directly — for example your bank's bill-pay or a peer-to-peer app — and any payment to a home-watch Operator goes directly to that Operator, using the Operator's own payment identifiers (such as a Venmo handle or free-text bank or check instructions) shown on its invoices. Those identifiers are stored and displayed on the Operator's invoices; the funds never pass through Family Matters.

Communications

Sign-in and analytics

Your financial information

Family Matters collects nonpublic personal financial information — such as the account and balance information you connect through Plaid and Akoya, the last four digits of account, card, and tax identification numbers, and the loan, gift, fund, and giving records you create. We do not disclose this financial information to nonaffiliated third parties except as described in this policy: to the service providers listed above so they can perform services for us, at your direction or to the other people in an arrangement you are part of, to complete a transaction you request, or as required or permitted by law. We do not disclose your financial information to anyone for their own marketing, and we do not sell it. This commitment applies whether or not Family Matters is treated as a financial institution under the Gramm-Leach-Bliley Act.

Legal, safety, and protection of rights

We may collect, use, and disclose your information to government bodies (including law enforcement) or others where we believe it is reasonably necessary to: meet a legal obligation, regulation, court order, or legal process; prevent, detect, and investigate security incidents or potentially illegal or prohibited activity; protect the rights, property, or safety of you, Family Matters, or others; enforce our agreements; respond to claims that Content violates the rights of others; and resolve disputes.

Business transfers

All of your personal information that we collect may be transferred to a third party if we undergo a merger, acquisition, financing, bankruptcy, or other transaction in which that third party assumes control of our business, in whole or in part.

At your direction

We share information with any other party you direct us to, and in the ways this policy otherwise describes.

We do not sell or share your information

We do not sell your personal information, and we do not share it for cross-context behavioral advertising. We will never sell your financial data. Where you have a legally recognized universal opt-out preference (such as the Global Privacy Control), we honor it as an opt-out signal; because we do not sell or share your personal information as those terms are used in state privacy laws, there is nothing further to opt out of. See Section 12.


7. Text messaging

If you provide a mobile phone number, we may send you text messages about your account — sign-in codes, invitations you or your family/service provider initiate, and notifications about activity you have enabled. We will not share your mobile phone number or SMS opt-in consent with third parties or affiliates for their marketing or promotional purposes. Message frequency varies based on your account activity and notification settings. Message and data rates may apply. Reply STOP to any message to opt out of text messages at any time; reply HELP for help, or contact us at help@myfamilymatters.com. Opting out of texts does not affect account emails or in-app notifications.

Your mobile number and your text-messaging consent are carved out of every kind of sharing described in Section 6. All of the categories in that section exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, other than the messaging aggregators and communications providers that carry the messages for us. We do not sell, rent, trade, or transfer mobile opt-in data or consent to anyone, including affiliates and lead generators. Your consent is given directly to Family Matters, for this program only — it is not transferable or assignable to another business — and we do not send messages to opt-in lists that were bought, rented, or shared with us.

Text notifications are off by default; you turn them on in your notification settings. Sign-in codes and a single account-activation or invitation text — for example, when a home-watch Operator sets up service for you, or a family member invites you — are transactional and are sent so that you can access or set up your account.

For a plain-language walkthrough of the whole program — how you opt in, what the sign-in screen looks like, sample messages, and how to stop — see Text Messaging Program.


8. Advisor directory

An Advisor may choose to list themselves in a public directory within the Services. If an Advisor opts in, we publish the information they provide for that purpose — such as their name, firm, location, phone number, biography, and specialties. A listing is provided by the Advisor and is not an endorsement, recommendation, or verification by Family Matters. An Advisor can update or remove their listing at any time.


9. Support and personnel access

Our authorized personnel may access your information to operate, support, secure, and troubleshoot the Services. In limited cases, a designated super-administrator ("founder") can impersonate a user account to reproduce a problem or provide support. These impersonation sessions are recorded in our audit log (including the IP address, per Section 4). We limit such access to what is needed for the purpose.


10. Data retention and deletion

We retain personal information for as long as necessary to provide the Services and to carry out the purposes described in this policy. When setting a retention period for a particular category of information, we consider who we collected it from, our need for it, why we collected it, and how sensitive it is. In some cases we retain information longer where doing so is necessary to comply with our legal obligations, resolve disputes, enforce our agreements, or collect amounts owed, or where otherwise permitted or required by law. We may retain de-identified or aggregated information indefinitely.

Some information is, by the nature of the Services, entangled with records other people keep:

Account deletion. Today, account deletion is handled by request rather than through a self-service control in the Services. To ask us to delete your account and the personal information we can delete, contact help@myfamilymatters.com; we will delete or de-identify what we are able to, subject to the limitations above and to information we must retain by law. We are working to add a self-service deletion control.


11. Security

We seek to protect your information from unauthorized access, use, and disclosure using physical, technical, organizational, and administrative safeguards appropriate to the type of information and how we process it. We maintain a written information security program of administrative, technical, and physical safeguards designed to protect the personal and financial information we hold. Information is encrypted in transit. Sensitive third-party access tokens — such as our bank-connection and investment-data tokens — are sealed with authenticated encryption using a server-side key, are never stored in plaintext, and are never returned to your device. Uploaded files are kept in private storage and served only through short-lived, signed links.

Home-watch access details, including gate and alarm codes and pet and access notes, are stored within the scope of the specific home-watch arrangement. They are protected by encryption at rest at the database level and by access controls that make them available only to the people authorized for that home.

You also help protect your information by choosing a secure sign-in method, keeping your device and accounts secure, limiting who can access your device, and signing out when you are done. No method of transmitting or storing data is completely secure, and we cannot guarantee absolute security.

If a breach occurs. If information under our control is compromised in a way that requires notice, we will take reasonable steps to investigate and, where appropriate, notify the affected individuals directly and take other steps required by applicable law. We do not rely on an employer or account holder to pass a breach notice along to the people affected.


12. Your rights and choices

We extend the following rights to all users, regardless of the state or country you live in. Subject to applicable law and reasonable verification, you may:

To exercise any of these, contact help@myfamilymatters.com. We will take reasonable steps to verify your identity before acting, and we will acknowledge and respond to your request within the time required by applicable law (generally within 45 days, which we may extend where the law permits and after letting you know). We will not discriminate against you for exercising your rights. You may use an authorized agent where the law allows; we may ask the agent to demonstrate authority. If you are a Minnesota or Oregon resident, you may also request a list of the specific third parties (other than natural persons) to which we have disclosed your personal information.

Sensitive personal information. Some of the information we collect is treated as "sensitive" under certain state privacy laws — including financial account information, your tax identification number (we store only the last four digits), and precise geolocation embedded in photos you upload (Section 15). We use this information only for the necessary business purposes of providing, securing, and supporting the Services and the records you keep — never to infer characteristics about you and never for advertising. Because we already limit our use of this information to those purposes, a request to limit its use would not change how we process it; you may still ask us to disclose, correct, or delete it as described above.

You also have these ongoing choices:

Exercising a data right does not remove information that other people in your family or household legitimately keep about a shared arrangement, as described in Section 10.


13. Children and minors

Family Matters is designed for adults to use, including to keep family records that describe minors. It is important to distinguish two different things:

Children under 13. The Services are not intended for children under 13, and a child under 13 may not register for, use, or be given a sign-in to the Services — even with a guardian's consent. We do not knowingly permit a child under 13 to use the Services and do not knowingly collect personal information directly from a child under 13. (An adult may still record information about a child under 13 as part of a family record, as described above.)

Minors 13 to 17. A minor between 13 and 17 may use the Services only through a guardian-enabled, read-only sign-in as described above. When a guardian enables that sign-in, the minor's use will generate the account, sign-in, and usage information described in this policy, and the guardian is responsible for that use.

Our sign-in does not itself verify age before issuing a sign-in code. If you believe a child under 13 has been given a sign-in, or that any child has been added or contacted in a way that concerns you, contact us at help@myfamilymatters.com and we will take appropriate steps, including deleting information we are not permitted to keep.

If you are a parent or guardian and you record information about your minor child in the Services, or enable a sign-in for an eligible minor, you are responsible for that use and for having the authority to do so, as described in Section 2 and in our Terms of Service.


14. Where we operate

The Services are offered from and intended for use in the United States. They are not directed to, or intended for, individuals located in the European Economic Area, the United Kingdom, or other regions with laws that may differ from those of the United States. If you access the Services from outside the United States, you understand that your information will be processed in the United States.


15. Photos and document metadata

Photos and documents you upload are stored as you provide them. Photo and document files can carry embedded metadata — including the date, device, and, for many photos, the GPS location where the photo was taken. We do not currently remove this metadata on upload. Because home-watch photos are often taken at homes that are frequently vacant, embedded location data can reveal the location of such a home. People who can access a given home's records (Section 6) may also be able to access the underlying files and their metadata. If you are concerned about location metadata, disable location tagging in your device's camera settings before taking photos, or remove metadata from a file before uploading it. We are evaluating removing location metadata automatically on upload.


16. Changes to this policy and how to contact us

We may update this Privacy Policy from time to time. If we make material changes, we will alert you by posting a notice in the Services or on our website, by email, and/or by other means. Your continued use of the Services after a change takes effect means you accept the updated policy. We will update the effective date at the top of this page each time we make a change.

Contact us

My Family Matters, Inc. 1010 Dale Street North St. Paul, MN 55117

Privacy and general questions: help@myfamilymatters.com Text-message help: help@myfamilymatters.com

The canonical version of this Privacy Policy is published at myfamilymatters.com/privacy. Our Terms of Service are at myfamilymatters.com/terms.