Privacy Policy : MoneyFlow

  # Privacy Policy for MoneyFlow

## Introduction

Welcome to MoneyFlow ("we," "our," or "us"). We respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, store, and protect your information when you use our mobile application (the "App").

By using MoneyFlow, you agree to the collection and use of information in accordance with this Privacy Policy.

## Information We Collect

### 1. Personal Information

We may collect the following personal information:

- **Account Information**: Name, email address, and authentication credentials when you create an account

- **Profile Information**: Profile picture (optional) and user preferences

- **Financial Data**: Transaction records, account balances, budgets, and financial categories you create

- **Device Information**: Device type, operating system, unique device identifiers

- **Usage Data**: How you interact with the App, features used, and session duration

### 2. Financial Data

MoneyFlow is a personal finance management app. To provide our services, we collect:

- Transaction details (amount, date, category, description)

- Account information (account names, types, balances)

- Budget and savings goals

- Custom categories and tags

- Bank transaction notifications (if you enable notification parsing)

### 3. Automatically Collected Information

- **Log Data**: IP address, device type, operating system version, app crashes

- **Usage Analytics**: Feature usage, session duration, app performance data

- **Advertising ID**: Google Advertising ID (GAID) or Apple ID for Advertising (IDFA) for personalized ads

## How We Use Your Information

We use your information to:

1. **Provide Core Services**: Store and display your financial transactions and budgets

2. **Sync Data**: Synchronize your data across devices using secure cloud storage

3. **Improve the App**: Analyze usage patterns to enhance user experience

4. **Customer Support**: Respond to your inquiries and troubleshoot issues

5. **Security**: Protect against fraud, unauthorized access, and data breaches

6. **Legal Compliance**: Comply with applicable laws and regulations

## Advertising

### Google AdMob

We use Google AdMob to display advertisements in the free version of our App. AdMob may collect and use:

- Device identifiers (Google Advertising ID)

- IP address

- App usage data

- Device type and operating system

For more information about how Google uses your data, please visit: https://policies.google.com/privacy

### Personalized Ads

You can opt-out of personalized advertising by:

1. Upgrading to our Premium subscription (ads are removed)

2. Adjusting your device settings to limit ad tracking

3. Using the "Reset Advertising Identifier" option in your device settings

## Subscriptions and In-App Purchases

### Premium Subscription

We offer a Premium subscription that:

- Removes all advertisements

- Unlocks unlimited transactions

- Provides advanced analytics and reports

- Enables cloud backup and sync

- Grants access to premium features

### Payment Processing

All payments are processed through:

- **Google Play Store** (for Android users)

- **Apple App Store** (for iOS users)

We do not store your payment information. All transactions are handled securely by the respective app stores.

### Subscription Management

You can manage or cancel your subscription through:

- Google Play Store (Android): Play Store → Subscriptions

- Apple App Store (iOS): Settings → [Your Name] → Subscriptions

## Data Storage and Security

### Cloud Storage

Your data is stored securely using Supabase, a PostgreSQL-based backend service. We implement:

- **Encryption in Transit**: All data transmitted between the App and our servers uses TLS/SSL encryption

- **Encryption at Rest**: Your data is encrypted when stored on our servers

- **Row-Level Security**: Your data is isolated and accessible only to your authenticated account

### Local Storage

Some data may be stored locally on your device for offline functionality. This includes:

- Recent transactions

- Account information

- Cached data for faster loading

### Data Retention

We retain your data for as long as your account is active. If you delete your account:

- All personal and financial data will be permanently deleted within 30 days

- Anonymous usage analytics may be retained for product improvement

## Third-Party Services

We use the following third-party services:

| Service | Purpose | Privacy Policy |

|---------|---------|----------------|

| Supabase | Cloud database and authentication | https://supabase.com/privacy |

| Google AdMob | Advertising | https://policies.google.com/privacy |

| Google Play Services | In-app purchases, analytics | https://policies.google.com/privacy |

| RevenueCat | Subscription management | https://www.revenuecat.com/privacy |

## Your Data Rights

Depending on your location, you may have the following rights:

### Access and Portability

You can request a copy of your personal data in a structured, machine-readable format.

### Correction

You can update or correct your personal information through the App settings.

### Deletion

You can delete your account and all associated data by:

1. Going to Settings → Account → Delete Account

2. Contacting us at [support email]

### Restriction and Objection

You can request that we limit or stop processing your personal data.

### Data Portability

Request a copy of your data in JSON or CSV format for transfer to another service.

## Children's Privacy

MoneyFLow is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has provided us with personal information, we will take steps to delete such information.

## Notification Access

### Optional Feature

Our App offers an optional feature to parse financial transaction notifications from SMS and banking apps. This feature:

- Requires explicit permission to access notifications

- Only processes notifications you explicitly allow

- Does not store or transmit notification content from non-financial apps

- Can be disabled at any time in App settings

## International Data Transfers

Your data may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy.

## Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

- Posting the new Privacy Policy in the App

- Sending an email notification (if you have provided your email)

- Updating the "Last Updated" date at the top of this policy

We recommend reviewing this Privacy Policy periodically for any changes.

## California Privacy Rights (CCPA)

If you are a California resident, you have the right to:

- Know what personal information is being collected about you

- Know whether your personal information is sold or disclosed and to whom

- Say no to the sale of personal information

- Access your personal information

- Request deletion of your personal information

- Equal service and price, even if you exercise your privacy rights

We do not sell your personal information to third parties.

## GDPR Compliance (EU Users)

If you are in the European Union, we process your data based on:

- **Contract**: Processing necessary to provide our services

- **Consent**: For optional features like personalized ads

- **Legitimate Interests**: For analytics and security

You have the right to:

- Withdraw consent at any time

- Lodge a complaint with a supervisory authority

- Be informed about data breaches affecting your data

## Security Measures

We implement industry-standard security measures:

- **Authentication**: Secure email/password or OAuth authentication

- **Authorization**: Role-based access control

- **Encryption**: AES-256 encryption for sensitive data

- **Regular Audits**: Security assessments and penetration testing

- **Incident Response**: Procedures to handle data breaches

Despite our efforts, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

## Contact Us

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

**Email:** admin@ikkatech.co.in

We aim to respond to all inquiries within 48 hours.

## Consent

By using MoneyFlow, you consent to our Privacy Policy and agree to its terms. If you do not agree with this policy, please do not use our App.

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**Note:** This Privacy Policy is effective as of the date stated above and replaces all previous versions.

**For Users in India:** This Privacy Policy is compliant with the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023.

**For Users in Brazil:** This Privacy Policy complies with Lei Geral de Proteção de Dados (LGPD).

**For Users in Other Regions:** Please contact us for region-specific privacy information