Effective date: October 4, 2026
This Privacy Policy explains how MyMoney LLC ("MyMoney", "we", "us") handles information when you use Later: Screenshot Brain ("Later" or the "app") and the Later website. MyMoney LLC is the data controller responsible for your information.
Short version. Later reads your Screenshots album and organizes it on your iPhone. Your screenshot images never leave your device. If you subscribe to Later Pro and allow it, Later sends limited text (your Ask Brain question, and text that Later extracted from your screenshots) through our server to OpenAI to answer questions or categorize a screenshot. OpenAI may keep that text for up to 30 days for abuse monitoring and does not use it to train its models. We don't sell your data, don't show ads and don't track you.
MyMoney LLC, a Florida limited liability company (Florida Document No. L25000529490)
6350 Vineland Rd, Apt 7-116, Orlando, FL 32819-7801, United States
Email (support and privacy): assist@mymoneyonline.net
Later does most of its work locally using Apple's on-device frameworks (Apple Vision for text recognition, Apple Foundation Models where available, and Later's own on-device logic). The following is created and stored only on your iPhone (and in your own iCloud account if you turn on iCloud sync — see section 3.5). We do not receive it:
Later does not require an account.
The service providers named below process data on our behalf, or under their own terms and privacy policies, only for the purposes described in this section.
Two Later Pro features use our server ("Later Cloud") and OpenAI, a third-party AI provider:
| Feature | When it runs | What is sent | What comes back |
|---|---|---|---|
| Ask Brain | When you ask a question, you are a Pro subscriber, and you have allowed OpenAI | The text of your question (up to 1,000 characters) and up to 3 excerpts of up to 2,000 characters of text that Later already extracted on your device from the screenshots that best match your question | A short written answer and which excerpts it used |
| Smart classification | Only on devices where Apple's on-device model is not available, for Pro subscribers who have allowed OpenAI | The extracted text of one screenshot (up to 2,000 characters) | A category, key details (e.g. title, price, address, date) and a one-sentence explanation |
Important limits, enforced in the app:
Identifier. Each Later Cloud request carries a random, pseudonymous app user ID assigned by our subscription provider RevenueCat (or, if RevenueCat is unavailable, a random ID generated on your device). It is not your name, email or Apple Account. Our server uses it only to confirm with RevenueCat that you have an active Pro subscription and to apply daily usage limits and abuse prevention. It is not sent to OpenAI.
Our server (Cloudflare). Later Cloud runs on Cloudflare Workers, a service of Cloudflare, Inc., which processes data on our behalf to run our server. Our server does not log the text of your questions or screenshots (request bodies) and does not log your app user ID; its logs contain only technical metadata (endpoint, method, status code, duration). Your IP address is used transiently to deliver the request and to apply a short per-minute rate limit; it is not stored in our logs. Our server keeps per-user usage counters (keyed by the pseudonymous app user ID) and caches your subscription status for up to 10 minutes.
OpenAI. OpenAI processes the text described above through its API, as our service provider, solely to generate the answer or classification you requested and return it to you. Under OpenAI's standard API data policy:
Purpose and legal basis: to provide the Pro feature you asked for (performance of our contract with you) and on the basis of your explicit consent, which you can withdraw at any time.
To place a saved restaurant, shop or address on the map, Later may send the place's name and city (as read from your screenshot) to Apple Maps using Apple's MapKit. This is never done for screenshots that are flagged sensitive, marked private or excluded. Apple handles these requests under its own terms and privacy policy.
To check the current price of a product you saved, Later requests the product's web page directly from the retailer's website, using the link found in your screenshot. The retailer receives an ordinary web request (including your IP address, the page address and your device's standard user agent) and handles it under its own terms; Later sends no cookies or account information. This is never done for screenshots that are flagged sensitive, marked private or excluded.
iCloud sync is off by default. If you turn it on, Later stores its library in your own private iCloud account using Apple's CloudKit so it is available on your other devices. This data is held by Apple under your iCloud account and Apple's privacy policy; we do not have access to it.
If you join the waitlist on our website, we store your email address and the date you joined (in Cloudflare KV) and use it only to contact you about Later. You can ask us to remove it at any time. Our website does not use analytics or advertising cookies.
If you email us, we receive your email address and whatever you include in your message, and use it to respond. Please don't send screenshots that contain passwords, codes or personal documents.
| Information | Where | Retention |
|---|---|---|
| Screenshots, OCR text, categories, summaries, search index, settings | Your iPhone (and your iCloud if sync is on) | Until you delete it in the app (You → Delete everything Later knows), delete the screenshot, or delete the app |
| Question and screenshot text sent to Later Cloud | Our server (Cloudflare) | Not stored or logged; processed only to return the answer |
| Same text, at OpenAI | OpenAI | Processed to return the answer; may be retained up to 30 days for abuse monitoring, then deleted (unless legally required) |
| Pseudonymous app user ID and usage counters | Our server (Cloudflare) | Only as long as needed for usage limits and abuse prevention, and no longer than 12 months after your last use |
| Cached subscription status | Our server (Cloudflare) | Up to 10 minutes |
| IP address | Cloudflare | Used transiently for delivery and rate limiting; not stored in our logs |
| Server technical logs | Cloudflare | Technical metadata only (endpoint, method, status code, duration); no request content, no user ID |
| Purchases and subscription status | Apple, RevenueCat | Apple handles purchases; RevenueCat holds subscription status, under their own policies |
| Waitlist email | Cloudflare KV | Until you ask us to remove it |
| Support emails | Our email provider | As long as needed to handle your request |
Depending on where you live, you may have the right to access, correct, delete or receive a copy of your personal information; to object to or restrict certain processing; to withdraw consent at any time (without affecting processing before withdrawal); and to lodge a complaint with your local data protection supervisory authority.
To exercise any of these rights, email assist@mymoneyonline.net. Because almost all of your data is stored only on your device, we cannot see, access or delete it for you — use the in-app controls above. For data we or our service providers hold (for example your waitlist email, or records associated with your app user ID), we will respond as required by applicable law. We may need to verify your request. You may use an authorized agent where the law allows.
MyMoney LLC is located in the United States. Your information is processed in the United States and in other countries where our service providers (Cloudflare, OpenAI, RevenueCat) operate. Where the law requires, we rely on the transfer safeguards these providers make available.
Later is not directed to children under 13, and children under 13 may not use it. We do not knowingly collect personal information from children under 13. If we learn that we hold personal information from a child under 13, we will delete it. If you believe a child has provided personal information through Later, contact us at assist@mymoneyonline.net. Later is rated 4+ on the App Store because it contains no objectionable content; that rating does not mean the app is intended for children.
Later Cloud is reached only over HTTPS, accepts requests only from active Pro subscribers, refuses requests on any error ("fail closed"), and does not store request content. No system is perfectly secure, but we work to protect the information we handle.
If we change this policy, we will update the effective date above. If a change is material, we will tell you in the app before it takes effect and, where required, ask for your consent again.
MyMoney LLC — 6350 Vineland Rd, Apt 7-116, Orlando, FL 32819-7801, USA
Email: assist@mymoneyonline.net