Privacy & Security / Terms of Use



Our Privacy policy in plain English:

  1. Your data is your data. Not ours.
  2. Read-only: If you connect your bank or credit card accounts, the connection we make is read-only. MyMoney can never be used to move money out of your account.
  3. We spend whatever time and money it takes to make your data secure.
  4. You can export and/or delete your data whenever you want.

We do not share your personal information or company information with third parties in any way. Any information submitted to us will not be released, sold or rent to any third-party individual or company and is kept strictly internal.

Data Security

Using MyMoney is as secure, or in some cases, more secure than using your bank or credit card web site.
Secure storage: The servers that hold your data are physically and electronically protected.

Certified: We ask third-party companies to put our security and privacy practices to the test.

Backup: We back up your data, so you’re never out of business even in the event of a server crash.

Merchant User Agreement

Terms & Conditions - Last Revised - 25th October 2013

Please review these Terms & Conditions, Privacy and Cookie Policy’s carefully. They will govern the relationship between, you, the User and the Service, mymoneylive.com. Your acceptance of these documents will need to be agreed upon before You can continue to use the Service.

  1. Accepting the Terms
  2. Description of the Service
  3. Account Information from Third Party Sites
  4. MyMoney Live Offers and Third-Party Links
  5. Your Registration Information
  6. Your Use of the Service
  7. Online and Mobile Alerts
  8. Rights You Grant to Us
  9. MyMoney Live's Intellectual Property Rights
  10. Access and Interference
  11. Disclaimer of Representations and Warranties
  12. Not a Financial Planner, Broker or Tax Advisor
  13. Alert Disclaimer
  14. Limitations on MyMoney Live's Liability
  15. Your Indemnification of MyMoney Live
  16. Ending your relationship with MyMoney Live
  17. Modifications
  18. Governing Law and Forum for Disputes
  19. Miscellaneous

Back to TopAccepting the Terms

By using the information, tools, features and functionality located on mymoneylive.com (together the Service), you agree to be bound by this Agreement, whether you are a "Visitor" (which means that you simply browse the mymoneylive.com website) or you are a "Member" (which means that you have registered with MyMoney Live). The term you or "User" refers to a Visitor or a Member. If you wish to become a Member, communicate with other Members and make use of the Service, you must read this Agreement and indicate your acceptance during the Registration process.

You may not use the Service and you may not accept this Agreement if you are not of a legal age to form a binding contract with MyMoney Live. If you accept this Agreement, you represent that you have the capacity to be bound by it or if you are acting on behalf of a company or entity that you have the authority to bind such entity. Before you continue, you should print or save a local copy of this Agreement for your records.

Back to TopDescription of the Service

The Service is a personal finance information management service that allows Members to consolidate and track their financial information on mymoneylive.com. Based on such information, the Service may also present information relating to third party products or services (MyMoney Live Offers).

The Service is provided to you by MyMoney Live without charge (it is free) and is meant as an aid to assist you in organizing and managing your finances. It is not intended to provide legal, tax or financial advice.

Back to TopAccount Information from Third Party Sites

With the Service, Members may direct MyMoney Live to retrieve their own information maintained online by third-party financial institutions with which they have customer relationships, maintain accounts or engage in financial transactions ("Account Information ").

MyMoney Live cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain data or loss of data, personalization settings or other service interruptions. MyMoney Live cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications or personalization settings. For example, when displayed through the Service, Account Information is only as fresh as the time shown, which reflects when the information is obtained from such sites. Such information may be more up-to-date when obtained directly from the relevant sites. You can refresh your Account Information through the Service, in the manner prescribed in the associated instructions.

Back to TopMyMoney Live Offers and Third-Party Links

Some parts of the Service are supported by sponsored links from advertisers and display MyMoney Live Offers that may be custom matched to you based on information stored in the Service, queries made through the Service or other information.

In connection with MyMoney Live Offers, the Service will provide links to other web sites belonging to MyMoney Live advertisers and other third parties. MyMoney Live does not endorse, warrant or guarantee the products or services available through the MyMoney Live Offers (or any other third-party products or services advertised on or linked from our site), and MyMoney Live is not an agent or broker or otherwise responsible for the activities or policies of those web sites. MyMoney Live does not guarantee that the loan, investment, plan or other service terms, rates or rewards offered by any particular advertiser or other third party on mymoneylive.com are actually the terms that may be offered to you if you pursue the offer or that they are the best terms or lowest rates available in the market.

Back to TopYour Registration Information

You agree and understand that you are responsible for maintaining the confidentiality of your password which, together with your LoginID e-mail address, allows you to access the Service. That Login ID and password, together with any mobile number or other contact information you provide form your Registration Information.

By providing us with your e-mail address, you agree to receive all required notices electronically, to that e-mail address. It is your responsibility to update or change that address, as appropriate. Notices will be provided in HTML (or, if your system does not support HTML, in plain-text) in the text of the e-mail or through a link to the appropriate page on our site, accessible through any standard, commercially available internet browser.

If you become aware of any unauthorized use of your Registration Information, you agree to notify MyMoney Live immediately at the email address - info@mthbuilt.com.

Back to TopYour Use of the Service

Your right to access and use mymoneylive.com and the Service is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use mymoneylive.com for lawful purposes.

Accurate records enable MyMoney Live to provide the Service to you. You must provide true, accurate, current and complete information about your accounts maintained at other web sites, as requested in our add account setup forms, and you may not misrepresent your Registration Information. In order for the Service to function effectively, you must also keep your Registration Information up to date and accurate. If you do not do this, the accuracy and effectiveness of the Service to you will be affected.

Your access and use of mymoneylive.com may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of mymoneylive.com or other actions that MyMoney Live, in its sole discretion, may elect to take.

Back to TopOnline and Mobile Alerts

MyMoney Live may from time to time provide automatic alerts and voluntary account-related alerts.

Automatic alerts are sent to you following certain changes made online to your MyMoney Live account, such as a change in your Registration Information. You do not need to activate these alerts. Although you may have the option to suppress some of these automatic alerts, we strongly recommend that you do not since they are security-related.

Voluntary account alerts may be turned on by default as part of the Service. They may then be customized, deactivated or reactivated by you. These alerts allow you to choose alert messages for your accounts. MyMoney Live may add new alerts from time to time, or cease to provide certain alerts at any time upon its sole discretion. Each alert has different options available, and you may be asked to select from among these options upon activation of your alerts service.

Electronic alerts will be sent to the email address you have provided as your primary email address for mymoneylive.com. If your email address or your mobile device email address changes, you are responsible for informing us of that change. You can also choose to have alerts sent to a mobile device that accepts text messages. Changes to your email address or mobile number will apply to all of your alerts.

Because alerts are not encrypted, we will never include your passcode. However, alerts may include your mymoneylive.com Login ID and some information about your accounts. Depending upon which alerts you select, information such as an account balance or the due date for your credit card payment may be included. Anyone with access to your email will be able to view the content of these alerts. At any time you may disable future alerts.

Back to TopRights You Grant to Us

As the owner of any information, data, passwords, usernames, PINs, other log-in information, materials or other content (collectively, "Accounts Content") you provide to us through the Service, you are licensing the Accounts Content to MyMoney Live solely for the purpose of providing the Service. MyMoney Live may use such Accounts Content, but only to provide the Service to you. By submitting Accounts Content, you represent that you are entitled to submit it to MyMoney Live for use for this purpose, without any obligation by MyMoney Live to pay any fees or other limitations.

By using the Service, you expressly authorize MyMoney Live to access your Account Information maintained by identified third parties, on your behalf as your agent. When you use the "Add Accounts" feature of the Service, you will be directly connected to the website for the third party you have identified. MyMoney Live will submit information including usernames and passwords that you provide to log you into the site. You hereby authorize and permit MyMoney Live to use information submitted by you to the Service (such as account passwords and users names) to accomplish the foregoing and to configure the Service so that it is compatible with the third party sites for which you submit your information. For purposes of this Agreement and solely to provide the Account Information to you as part of the Service, you grant MyMoney Live a limited power of attorney, and appoint MyMoney Live as your attorney-in-fact and agent, to access third party sites, retrieve and use your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN MyMoney Live IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, MyMoney Live IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. You understand and agree that the Service is not sponsored or endorsed by any third parties accessible through the Service.

Back to TopMyMoney Live's Intellectual Property Rights

The contents of mymoneylive.com, including its look and feel (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software (including html-based computer programs) and other material are protected under both United States and other applicable copyright, trademark and other laws. The contents of mymoneylive.com belong or are licensed to MyMoney Live or its software or content suppliers. MyMoney Live grants you the right to view and use mymoneylive.com subject to these terms. You may download or print a copy of information provided on mymoneylive.com for your personal, internal and non-commercial use only. Any distribution, reprint or electronic reproduction of any content from mymoneylive.com in whole or in part for any other purpose is expressly prohibited without our prior written consent.

Back to TopAccess and Interference

You agree that you will not:

  1. Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor mymoneylive.com or any portion of mymoneylive.com, without MyMoney Live's express written consent, which may be withheld in MyMoney Live's sole discretion;
  2. Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search mymoneylive.com, other than the search engines and search agents available through the Service and other than generally available third-party web browsers (such as Microsoft Explorer);
  3. Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of mymoneylive.com or the Service; or
  4. Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of mymoneylive.com or the Service.

Back to TopDisclaimer of Representations and Warranties

THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH mymoneylive.com OR PROVIDED THROUGH THE SERVICE ARE PROVIDED TO YOU ON AN AS-IS AND AS AVAILABLE BASIS. MYMONEY LIVE MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF mymoneylive.com OR OF THE SERVICE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.

MYMONEY LIVE MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON mymoneylive.com OR OF THE SERVICE, AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. MyMoney Live MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICE IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.

Back to TopNot a Financial Planner, Broker or Tax Advisor

NEITHER MyMoney Live NOR THE SERVICE IS INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. MYMONEY LIVE IS NOT A FINANCIAL PLANNER, BROKER OR TAX ADVISOR. The Service is intended only to assist you in your financial organization and decision-making and is broad in scope. Your personal financial situation is unique, and any information and advice obtained through the Service may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.

Back to TopAlert Disclaimer

You understand and agree that any alerts provided to you through the Service may be delayed or prevented by a variety of factors. MyMoney Live does its best to provide alerts in a timely manner with accurate information. However, we neither guarantee the delivery nor the accuracy of the content of any alert. You also agree that MyMoney Live shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.

Back to TopLimitations on MyMoney Live's Liability

MYMONEY LIVE SHALL IN NO EVENT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFIT, REVENUE OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO mymoneylive.com, YOUR USE OF THE SERVICE OR THIS AGREEMENT, EVEN IF MyMoney Live HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. [NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, MyMoney Live'S LIABILITY TO YOU FOR ANY CAUSE WHATEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO $500.00 (FIVE HUNDRED UNITED STATES DOLLARS).]

Back to TopYour Indemnification of MyMoney Live

You shall defend, indemnify and hold harmless MyMoney Live and its officers, directors, shareholders, and employees, from and against all claims and expenses, including but not limited to attorneys fees, in whole or in part arising out of or attributable to any breach of this Agreement by you.

Back to TopEnding your relationship with MyMoney Live

This Agreement will continue to apply until terminated by either you or MyMoney Live as set out below. If you want to terminate your legal agreement with MyMoney Live, you may do so by (i) notifying MyMoney Live at any time and (ii) closing your account for the Service. Your notice should be sent via email to info@mthbuilt.com

MyMoney Live may at any time, terminate its legal agreement with you:

  1. if you have breached any provision of this Agreement (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of this Agreement);
  2. if MyMoney Live in its sole discretion believes it is required to do so by law (for example, where the provision of the Service to you is, or becomes, unlawful); or
  3. immediately upon notice, to the e-mail address provided by you as part of your Registration Information.

Back to TopModifications

MyMoney Live may modify this Agreement from time to time. You will be notified of any and all changes to this Agreement through a prominent notice on the mymoneylive.com site. In addition, the Agreement will always indicate the date it was last revised. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Service after those changes are posted.

Back to TopGoverning Law and Forum for Disputes

This Agreement, and your relationship with MyMoney Live under this Agreement, shall be governed by the laws of the State of Massachusetts without regard to its conflict or choice of laws provisions. Any dispute with MyMoney Live, or its officers, directors, employees, agents or affiliates, arising under or in relation to this Agreement shall be resolved exclusively through the small-claims court of the Superior Court of Massachusetts within the county of Santa Clara, Massachusetts, except with respect to imminent harm requiring temporary or preliminary injunctive relief in which case MyMoney Live may seek such relief in any court with jurisdiction over the parties. You understand that, in return for agreement to this provision, MyMoney Live is able to offer the Service at the terms designated, without charge to you, and that your assent to this provision is an indispensable consideration to this Agreement.

You also acknowledge and understand that, with respect to any dispute with MyMoney Live, its officers, directors, employees, agents or affiliates, arising out of or relating to your use of the Service or this Agreement:

  • YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; and
  • YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT INVOLVING ANY SUCH DISPUTE.

Back to TopMiscellaneous

If any portion of this Agreement is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be stricken from this Agreement.

You agree that if MyMoney Live does not exercise or enforce any legal right or remedy which is contained in the Agreement (or which MyMoney Live has the benefit of under any applicable law), this will not be taken to be a formal waiver of MyMoney Live's rights and that those rights or remedies will still be available to MyMoney Live.

All covenants, agreements, representations and warranties made in this Agreement shall survive your acceptance of this Agreement and the termination of this Agreement.

This Agreement represents the entire understanding and agreement between you and MyMoney Live regarding the subject matter of the same, and supersede all other previous agreements.