Privacy Policy | MoneyMinder

Introduction

Money Minder ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Money Minder mobile application (the "App"). If you do not agree with this policy, please do not access the App.

We may update this Privacy Policy from time to time. We will notify you by updating the "Last Updated" date above, and you are encouraged to review this policy periodically to stay informed of updates.

1. Information We Collect

1.1 Personal Information

Account Information

Email address (via Google Sign-In)
Full name (via Google Sign-In)
Profile picture (via Google Sign-In)
Google account ID token for authentication

Financial Transaction Data

Transaction amounts
Transaction dates and timestamps
Transaction categories and types (income/expense)
Transaction descriptions and notes
Receipt images (when you choose to scan receipts)

WhatsApp Connect Data (Pro Feature)

WhatsApp phone number (used to link your account via Meta WhatsApp Business API)
Email address (used temporarily during OTP verification to link your WhatsApp to your Money Minder account; cleared after verification)
Transaction messages you send to our WhatsApp Business number (text, images, and PDFs you voluntarily share for transaction logging)
Receipt images and documents you send via WhatsApp (processed for transaction extraction and then discarded; not stored permanently)

We do not read your WhatsApp message history, monitor your WhatsApp inbox, access your WhatsApp contacts, or scan SMS/notifications. We only process messages you voluntarily send to our Business number.

User Preferences

Currency preference
Theme preference (light/dark mode)
Application settings

1.2 Device Information

Operating system type (Android/iOS)
App version and build number
Device identifiers
Application performance metrics
Crash reports and error logs

1.3 Usage Data

Login events
Feature usage patterns
Application performance data
Network request metrics

1.4 Advertising Data (Free Tier Only)

The free version of Money Minder is supported by ads served through Google AdMob. When ads are shown, Google and its partners may collect and process the following to deliver and measure ads:

Advertising identifier (Android Advertising ID / iOS Identifier for Advertisers)
Device information (device type, operating system, language, coarse region) and IP address
Ad interaction data (ad impressions, clicks, and approximate performance metrics)

Pro subscribers see no ads, and no advertising identifier or ad-interaction data is collected for them. We do not send your financial transaction data, receipt images, name, or email to advertising networks. You can reset or limit your advertising identifier in your device settings (Android: Settings → Privacy → Ads; iOS: Settings → Privacy & Security → Tracking).

2. Permissions Required

2.2 Camera Permission (CAMERA)

Purpose: To scan and capture receipt images for transaction documentation
Usage: Allows you to take photos of receipts to attach to your transactions
Control: You can deny or revoke this permission; manual entry will still be available

2.3 WhatsApp Package Query (QUERY_ALL_PACKAGES)

Purpose: To check if WhatsApp is installed on your device so the App can open WhatsApp to initiate the WhatsApp Connect setup
Usage: Used only to detect WhatsApp availability and launch it with a pre-filled message to our Business number
Control: WhatsApp Connect is entirely optional. You can use all other App features without this integration

2.4 Background Permissions (RECEIVE_BOOT_COMPLETED, WAKE_LOCK, FOREGROUND_SERVICE)

Purpose: To enable background synchronization of data
Usage: Allows the App to sync your financial data periodically, even when the app is closed
Control: Background sync can be managed through app settings

2.5 Advertising ID (AD_ID)

Purpose: Allows Google AdMob to access the device advertising identifier to serve and measure ads in the free version of the App
Usage: Used only by the ad SDK for free-tier users; never used for Pro subscribers
Control: You can reset or delete your advertising ID in your device settings, or remove ads entirely by upgrading to Pro

3. How We Use Your Information

3.1 Provide Core Functionality

Authenticate and manage your account
Track and categorize your financial transactions
Store and organize receipt images
Generate financial reports and analytics
Synchronize your data across sessions
Process transaction messages sent via WhatsApp Connect using AI to extract amounts, categories, and dates
Process receipt images and documents sent via WhatsApp to automatically create transaction records

3.2 Improve User Experience

Personalize your app experience based on preferences
Remember your settings and preferences
Provide relevant financial insights and summaries

3.3 Application Maintenance

Monitor and analyze app performance
Detect, prevent, and address technical issues
Debug errors and crashes
Improve app stability and functionality

3.4 Communication

Send you important service-related notifications
Respond to your inquiries and support requests
Provide updates about app features and improvements

4. Data Storage and Security

4.1 Cloud Storage

User account information
Transaction data
User settings and preferences
Receipt images

The App keeps a short-lived on-device cache (authentication tokens and recently-synced records) so it can launch quickly and recover from network interruptions. This cache is cleared when you log out or uninstall the app.

4.2 Security Measures

HTTPS Encryption: All data transmitted between the App and our servers is encrypted using HTTPS in production
JWT Authentication: Secure token-based authentication for API requests
Firebase Security: Leveraging Firebase's enterprise-grade security infrastructure
Access Controls: Restricted access to user data on our servers

While we use commercially acceptable means to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

5. Third-Party Services

5.1 Google Services

Google Sign-In: For user authentication (collects email, name, profile picture)

5.2 Firebase Services (Google)

Firebase Authentication: Secure user authentication
Firebase Crashlytics: Crash reporting and error tracking
Firebase Analytics: Usage analytics and user behavior insights
Firebase Performance Monitoring: App and network performance metrics

5.3 Meta WhatsApp Business Platform

WhatsApp Business API: Powers the WhatsApp Connect feature. Messages you send to our Business number are delivered via Meta's infrastructure
Data processed by Meta: Your WhatsApp phone number, message content (text, images, PDFs) you send to our Business number, and delivery/read receipts
Meta's data use: Meta processes this data per their Business Messaging terms. We do not control Meta's data practices for WhatsApp messages in transit

5.4 AI Processing Services

Purpose: We use third-party AI models to extract transaction details (amount, category, date, description) from text messages, receipt images, and documents you send via WhatsApp Connect
Data sent: Only the message text or image/document content you send to our WhatsApp Business number is forwarded to the AI service for processing
No persistent storage: Message content is processed in real-time and is not stored by the AI provider beyond the processing request
No training: Your data is not used to train AI models

5.5 Google AdMob (Advertising)

Purpose: Serves banner and interstitial ads in the free version of the App. Ads are not shown to Pro subscribers
Data processed by Google: Advertising identifier, device and app information, IP address, and ad interaction data (impressions, clicks)
Use: Google uses this data to serve and measure ads and, where permitted, to personalize ads per its own policies. We do not share your financial data, receipt images, name, or email with AdMob

How Google uses data: https://policies.google.com/technologies/partner-sites

5.6 Data Shared with Third Parties

Firebase receives:

User authentication data
Crash reports and error logs
Anonymous usage statistics
Performance metrics

Our Backend Server receives:

All data necessary to provide app functionality (transactions, user settings)
WhatsApp messages via Meta webhook (for WhatsApp Connect users only)

Meta (WhatsApp Business Platform) receives:

Messages sent between you and our WhatsApp Business number (in transit)

AI Processing Provider receives:

Message text, images, or documents sent via WhatsApp (for transaction extraction only; not stored)

Google AdMob receives (free tier only):

Advertising identifier, device/app information, IP address, and ad interaction data — to serve and measure ads. No ads or ad data for Pro users

We do not sell your personal information to third parties
We do not share your financial transaction data, receipt images, name, or email with advertisers. Free-tier ads (Google AdMob) use only your device advertising identifier and device/ad data — never your financial information
We do not use your data for marketing unrelated to the App

6. Data Retention

Account Data: Retained until you delete your account
Transaction Data: Retained until you delete specific transactions or your account
On-Device Cache: A short-lived cache (auth tokens and recently-synced records) is kept on your device to speed up app launches. It is cleared on logout or uninstall.
WhatsApp Connect Data: Your WhatsApp phone number is retained while your account is linked. You can unlink at any time by sending "unlink" to our WhatsApp Business number or disconnecting from the App settings. Upon unlinking, your phone number association is removed
Backup and Logs: Retained for up to 90 days for security and operational purposes

7. Your Rights and Choices

7.1 Access and Control

Access your personal information stored in the App
Update or correct your information through the App settings
Delete specific transactions or data entries
Export your transaction data (through app features)

7.2 Permission Management

Revoke camera permissions through your device settings (manual entry will still work)
Disable background sync through app settings
Disconnect WhatsApp Connect by sending "unlink" to our Business number or through the Integrations screen in the App

7.3 Account Deletion

You can delete your account at any time through the App settings. Upon account deletion:

All your data will be permanently removed from our servers
The on-device cache is cleared on logout or uninstall
The action is irreversible

7.4 Data Portability

You have the right to request a copy of your data in a machine-readable format. Please contact us at the email address below to make such a request.

8. Children's Privacy

Money Minder is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we can take necessary actions.

9. International Data Transfers

Your information, including personal data, may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ from those of your jurisdiction. By using Money Minder, you consent to these transfers as described in this Privacy Policy.

10. California Privacy Rights (CCPA)

Right to Know: Request information about the categories and specific pieces of personal information we have collected
Right to Delete: Request deletion of your personal information
Right to Opt-Out: We do not sell personal information. For free-tier users, Google AdMob may use your advertising identifier for personalized ads, which can be considered "sharing" for cross-context behavioral advertising under California law. You can opt out by limiting ad personalization in your device settings, resetting your advertising identifier, or upgrading to Pro (which removes all ads)
Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To exercise these rights, please contact us using the information provided below.

11. European Privacy Rights (GDPR)

Right of Access: Request access to your personal data
Right to Rectification: Request correction of inaccurate data
Right to Erasure: Request deletion of your data
Right to Restrict Processing: Request restriction of processing
Right to Data Portability: Request transfer of your data
Right to Object: Object to processing of your data
Right to Withdraw Consent: Withdraw consent at any time

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you by posting the new Privacy Policy in the App, updating the "Last Updated" date, and, for material changes, we may send you a notification.

Your continued use of the App after any modifications constitutes your acknowledgment and consent to the updated policy.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

📧 Email: support@moneyminder.in

Response Time: We aim to respond to all inquiries within 48 hours.

For data-related requests (access, deletion, portability), please allow up to 30 days for processing.

14. Consent

By using Money Minder, you hereby consent to our Privacy Policy and agree to its terms.

Data Processing Consent

You consent to the collection, processing, and storage of your personal information as described in this Privacy Policy for the purposes of providing and improving the Money Minder service.

Summary for Google Play Store

Data Collection

We collect personal information (name, email, profile picture), financial transaction data, receipt images, device information, and WhatsApp phone number (if you opt in to WhatsApp Connect).

Data Usage

Data is used to provide expense tracking services, automatic transaction import, financial analytics, and app improvement.

Data Sharing

Data is shared with our backend servers (for app functionality), Firebase (for authentication, analytics, crash reporting, and performance monitoring), Meta WhatsApp Business Platform (for WhatsApp Connect messaging), AI processing services (for transaction extraction from WhatsApp messages), and Google AdMob (for serving ads to free-tier users, using the device advertising identifier). We do not sell your data, and we never share your financial data with advertisers. Pro subscribers see no ads.

Security

We use HTTPS encryption, JWT authentication, and Firebase security infrastructure to protect your data.

User Control

You can access, modify, export, or delete your data at any time. You can revoke permissions and delete your account through the app.

Privacy Policy for Money Minder