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1<link rel="dns-prefetch" href="https://www.googletagmanager.com"/><link rel="dns-prefetch" href="https://www.google-analytics.com"/><meta name="theme-color" content="#006ADD"/><title>Privacy Policy | MoneyMinder</title><meta name="description" content="MoneyMinder Privacy Policy â Learn how we collect, use, and protect your personal data. Your privacy and security are our top priority."/><meta name="application-name" content="MoneyMinder"/><link rel="author" href="https://moneyminder.in"/><meta name="author" content="MoneyMinder Team"/><meta name="keywords" content="expense tracker,voice expense logging,receipt scanner OCR,AI finance app,AI expense tracker,shared family budget,split expenses app,WhatsApp expense bot,subscription tracker,recurring expenses,PDF expense export,Excel expense export,iOS expense tracker,Android expense tracker,free budget app,multilingual finance app,India expense app,MoneyMinder,money minder app"/><meta name="creator" content="MoneyMinder Team"/><meta name="publisher" content="MoneyMinder"/><meta name="robots" content="index, follow"/><meta name="googlebot" content="index, follow, max-video-preview:-1, max-image-preview:large, max-snippet:-1"/><meta name="category" content="finance"/><link rel="canonical" href="https://moneyminder.in/privacy"/><meta property="og:title" content="Privacy Policy | MoneyMinder"/><meta property="og:description" content="Learn how MoneyMinder collects, uses, and protects your personal data."/><meta property="og:url" content="https://moneyminder.in/privacy"/><meta property="og:type" content="website"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="MoneyMinder â Track expenses by voice, scan receipts, get AI insights"/><meta name="twitter:description" content="Free expense tracker for iOS and Android. Voice. Scan. AI. Family Spaces. 10 languages."/><meta name="twitter:image" content="https://moneyminder.in/og-image.png"/><meta name="twitter:image:alt" content="MoneyMinder â Text your expenses"/><link rel="shortcut icon" href="/favicon.ico"/><link rel="icon" href="/favicon.ico"/><link rel="apple-touch-icon" href="/favicon.ico"/><meta name="next-size-adjust"/>
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1</head><body class="__variable_f367f3 __variable_dd5b2f __variable_3c557b __className_f367f3 antialiased"><div class="min-h-screen"><section class="pt-24 pb-12 bg-gradient-to-br from-slate-50 to-blue-50 dark:from-gray-900 dark:to-gray-800"><div class="container mx-auto px-4 sm:px-6 lg:px-8"><div class="text-center max-w-3xl mx-auto" style="opacity:0;transform:translateY(30px) translateZ(0)"><div class="inline-flex items-center px-4 py-2 rounded-full bg-gradient-to-r from-primary-100 to-blue-100 dark:from-primary-900/40 dark:to-blue-900/40 border border-primary-200 dark:border-primary-700 mb-6"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-shield w-4 h-4 text-primary-600 dark:text-primary-400 mr-2"><path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10"></path></svg><span class="text-sm font-medium text-primary-700 dark:text-primary-300">Your Privacy Matters</span></div><h1 class="text-4xl sm:text-5xl font-bold text-gray-900 dark:text-gray-100 mb-6">Privacy Policy for Money Minder</h1><p class="text-xl text-gray-600 dark:text-gray-300 mb-8">We explain what we collect, why we collect it, and how we protect it.</p><p class="text-sm text-gray-500 dark:text-gray-400 bg-white/60 dark:bg-white/10 rounded-lg px-4 py-2 inline-block">Last updated: June 24, 2026</p></div></div></section><main class="py-16"><div class="container mx-auto px-4 sm:px-6 lg:px-8 max-w-4xl"><div class="prose prose-lg max-w-none" style="opacity:0"><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="glass-card p-8 mb-8"><div class="flex items-center mb-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-eye w-6 h-6 text-primary-600 mr-3"><path d="M2 12s3-7 10-7 10 7 10 7-3 7-10 7-10-7-10-7Z"></path><circle cx="12" cy="12" r="3"></circle></svg><h2 class="text-2xl font-bold text-gray-900 dark:text-gray-100 m-0">Introduction</h2></div><p class="text-gray-600 dark:text-gray-300 mb-4">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.</p><p class="text-gray-600 dark:text-gray-300">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.</p></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="flex items-center mb-6"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text w-6 h-6 text-primary-600 mr-3"><path d="M14.5 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7.5L14.5 2z"></path><polyline points="14 2 14 8 20 8"></polyline><line x1="16" x2="8" y1="13" y2="13"></line><line x1="16" x2="8" y1="17" y2="17"></line><line x1="10" x2="8" y1="9" y2="9"></line></svg><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 m-0">1. Information We Collect</h2></div><div class="space-y-10"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-6">1.1 Personal Information</h3><div class="space-y-6"><div><h4 class="text-xl font-semibold text-primary-700 mb-3">Account Information</h4><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Email address (via Google Sign-In)</li><li>Full name (via Google Sign-In)</li><li>Profile picture (via Google Sign-In)</li><li>Google account ID token for authentication</li></ul></div><div><h4 class="text-xl font-semibold text-primary-700 mb-3">Financial Transaction Data</h4><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Transaction amounts</li><li>Transaction dates and timestamps</li><li>Transaction categories and types (income/expense)</li><li>Transaction descriptions and notes</li><li>Receipt images (when you choose to scan receipts)</li></ul></div><div><h4 class="text-xl font-semibold text-primary-700 mb-3">WhatsApp Connect Data (Pro Feature)</h4><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>WhatsApp phone number (used to link your account via Meta WhatsApp Business API)</li><li>Email address (used temporarily during OTP verification to link your WhatsApp to your Money Minder account; cleared after verification)</li><li>Transaction messages you send to our WhatsApp Business number (text, images, and PDFs you voluntarily share for transaction logging)</li><li>Receipt images and documents you send via WhatsApp (processed for transaction extraction and then discarded; not stored permanently)</li></ul><p class="text-sm text-gray-500 dark:text-gray-400 mt-2">We do <strong>not</strong> 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.</p></div><div><h4 class="text-xl font-semibold text-primary-700 mb-3">User Preferences</h4><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Currency preference</li><li>Theme preference (light/dark mode)</li><li>Application settings</li></ul></div></div></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-4">1.2 Device Information</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Operating system type (Android/iOS)</li><li>App version and build number</li><li>Device identifiers</li><li>Application performance metrics</li><li>Crash reports and error logs</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-4">1.3 Usage Data</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Login events</li><li>Feature usage patterns</li><li>Application performance data</li><li>Network request metrics</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-4">1.4 Advertising Data (Free Tier Only)</h3><p class="text-gray-600 dark:text-gray-300 mb-4">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:</p><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Advertising identifier (Android Advertising ID / iOS Identifier for Advertisers)</li><li>Device information (device type, operating system, language, coarse region) and IP address</li><li>Ad interaction data (ad impressions, clicks, and approximate performance metrics)</li></ul><p class="text-sm text-gray-500 dark:text-gray-400 mt-4"><strong>Pro subscribers see no ads</strong>, and no advertising identifier or ad-interaction data is collected for them. We do<!-- --> <strong>not</strong> 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 â Privacy â Ads; iOS: Settings â Privacy & Security â Tracking).</p></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="flex items-center mb-6"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-shield w-6 h-6 text-primary-600 mr-3"><path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10"></path></svg><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 m-0">2. Permissions Required</h2></div><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-6 shadow-lg"><h3 class="text-xl font-semibold text-gray-900 dark:text-gray-100 mb-3">2.2 Camera Permission (CAMERA)</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li><strong>Purpose:</strong> To scan and capture receipt images for transaction documentation</li><li><strong>Usage:</strong> Allows you to take photos of receipts to attach to your transactions</li><li><strong>Control:</strong> You can deny or revoke this permission; manual entry will still be available</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-6 shadow-lg"><h3 class="text-xl font-semibold text-gray-900 dark:text-gray-100 mb-3">2.3 WhatsApp Package Query (QUERY_ALL_PACKAGES)</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li><strong>Purpose:</strong> To check if WhatsApp is installed on your device so the App can open WhatsApp to initiate the WhatsApp Connect setup</li><li><strong>Usage:</strong> Used only to detect WhatsApp availability and launch it with a pre-filled message to our Business number</li><li><strong>Control:</strong> WhatsApp Connect is entirely optional. You can use all other App features without this integration</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-6 shadow-lg"><h3 class="text-xl font-semibold text-gray-900 dark:text-gray-100 mb-3">
12.4 Background Permissions (RECEIVE_BOOT_COMPLETED, WAKE_LOCK, FOREGROUND_SERVICE)</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li><strong>Purpose:</strong> To enable background synchronization of data</li><li><strong>Usage:</strong> Allows the App to sync your financial data periodically, even when the app is closed</li><li><strong>Control:</strong> Background sync can be managed through app settings</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-6 shadow-lg"><h3 class="text-xl font-semibold text-gray-900 dark:text-gray-100 mb-3">2.5 Advertising ID (AD_ID)</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li><strong>Purpose:</strong> Allows Google AdMob to access the device advertising identifier to serve and measure ads in the free version of the App</li><li><strong>Usage:</strong> Used only by the ad SDK for free-tier users; never used for Pro subscribers</li><li><strong>Control:</strong> You can reset or delete your advertising ID in your device settings, or remove ads entirely by upgrading to Pro</li></ul></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="flex items-center mb-6"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text w-6 h-6 text-primary-600 mr-3"><path d="M14.5 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7.5L14.5 2z"></path><polyline points="14 2 14 8 20 8"></polyline><line x1="16" x2="8" y1="13" y2="13"></line><line x1="16" x2="8" y1="17" y2="17"></line><line x1="10" x2="8" y1="9" y2="9"></line></svg><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 m-0">3. How We Use Your Information</h2></div><div class="grid grid-cols-1 gap-6"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-4">3.1 Provide Core Functionality</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Authenticate and manage your account</li><li>Track and categorize your financial transactions</li><li>Store and organize receipt images</li><li>Generate financial reports and analytics</li><li>Synchronize your data across sessions</li><li>Process transaction messages sent via WhatsApp Connect using AI to extract amounts, categories, and dates</li><li>Process receipt images and documents sent via WhatsApp to automatically create transaction records</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-4">3.2 Improve User Experience</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Personalize your app experience based on preferences</li><li>Remember your settings and preferences</li><li>Provide relevant financial insights and summaries</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-4">3.3 Application Maintenance</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Monitor and analyze app performance</li><li>Detect, prevent, and address technical issues</li><li>Debug errors and crashes</li><li>Improve app stability and functionality</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-4">3.4 Communication</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Send you important service-related notifications</li><li>Respond to your inquiries and support requests</li><li>Provide updates about app features and improvements</li></ul></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="flex items-center mb-6"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-lock w-6 h-6 text-primary-600 mr-3"><rect width="18" height="11" x="3" y="11" rx="2" ry="2"></rect><path d="M7 11V7a5 5 0 0 1 10 0v4"></path></svg><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 m-0">4. Data Storage and Security</h2></div><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-4">4.1 Cloud Storage</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>User account information</li><li>Transaction data</li><li>User settings and preferences</li><li>Receipt images</li></ul><p class="mt-4 text-sm text-gray-500 dark:text-gray-400">
1The 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.</p></div><div class="glass-card p-8"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-4">4.2 Security Measures</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2 mb-4"><li><strong>HTTPS Encryption:</strong> All data transmitted between the App and our servers is encrypted using HTTPS in production</li><li><strong>JWT Authentication:</strong> Secure token-based authentication for API requests</li><li><strong>Firebase Security:</strong> Leveraging Firebase's enterprise-grade security infrastructure</li><li><strong>Access Controls:</strong> Restricted access to user data on our servers</li></ul><div class="bg-primary-50 dark:bg-primary-900/20 border border-primary-200 dark:border-primary-800 rounded-lg p-4"><p class="text-primary-800 dark:text-primary-200 font-medium">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.</p></div></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="flex items-center mb-6"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text w-6 h-6 text-primary-600 mr-3"><path d="M14.5 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7.5L14.5 2z"></path><polyline points="14 2 14 8 20 8"></polyline><line x1="16" x2="8" y1="13" y2="13"></line><line x1="16" x2="8" y1="17" y2="17"></line><line x1="10" x2="8" y1="9" y2="9"></line></svg><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 m-0">5. Third-Party Services</h2></div><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-2">5.1 Google Services</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2 mb-2"><li><strong>Google Sign-In:</strong> For user authentication (collects email, name, profile picture)</li></ul><p class="text-sm text-gray-500 dark:text-gray-400">Privacy Policy:<!-- --> <a href="https://policies.google.com/privacy" target="_blank" rel="noopener noreferrer">https://policies.google.com/privacy</a></p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-2">5.2 Firebase Services (Google)</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2 mb-2"><li>Firebase Authentication: Secure user authentication</li><li>Firebase Crashlytics: Crash reporting and error tracking</li><li>Firebase Analytics: Usage analytics and user behavior insights</li><li>Firebase Performance Monitoring: App and network performance metrics</li></ul><p class="text-sm text-gray-500 dark:text-gray-400">Privacy Policy:<!-- --> <a href="https://firebase.google.com/support/privacy" target="_blank" rel="noopener noreferrer">https://firebase.google.com/support/privacy</a></p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-2">5.3 Meta WhatsApp Business Platform</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2 mb-2"><li><strong>WhatsApp Business API:</strong> Powers the WhatsApp Connect feature. Messages you send to our Business number are delivered via Meta's infrastructure</li><li><strong>Data processed by Meta:</strong> Your WhatsApp phone number, message content (text, images, PDFs) you send to our Business number, and delivery/read receipts</li><li><strong>Meta's data use:</strong> Meta processes this data per their Business Messaging terms. We do not control Meta's data practices for WhatsApp messages in transit</li></ul><p class="text-sm text-gray-500 dark:text-gray-400">Privacy Policy:<!-- --> <a href="https://www.whatsapp.com/legal/privacy-policy" target="_blank" rel="noopener noreferrer">https://www.whatsapp.com/legal/privacy-policy</a></p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-2">5.4 AI Processing Services</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2 mb-2"><li><strong>Purpose:</strong> 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</li><li><strong>Data sent:</strong> Only the message text or image/document content you send to our WhatsApp Business number is forwarded to the AI service for processing</li><li><strong>No persistent storage:</strong> Message content is processed in real-time and is not stored by the AI provider beyond the processing request</li><li><strong>No training:</strong> Your data is not used to train AI models</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-2">5.5 Google AdMob (Advertising)</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2 mb-2"><li><strong>Purpose:</strong> Serves banner and interstitial ads in the free version of the App. Ads are not shown to Pro subscribers</li><li><strong>Data processed by Google:</strong>
1 Advertising identifier, device and app information, IP address, and ad interaction data (impressions, clicks)</li><li><strong>Use:</strong> 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</li></ul><p class="text-sm text-gray-500 dark:text-gray-400">How Google uses data:<!-- --> <a href="https://policies.google.com/technologies/partner-sites" target="_blank" rel="noopener noreferrer">https://policies.google.com/technologies/partner-sites</a></p></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">5.6 Data Shared with Third Parties</h3><div class="grid grid-cols-1 md:grid-cols-2 gap-6"><div><h4 class="text-xl font-semibold text-primary-700 mb-2">Firebase receives:</h4><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>User authentication data</li><li>Crash reports and error logs</li><li>Anonymous usage statistics</li><li>Performance metrics</li></ul></div><div><h4 class="text-xl font-semibold text-primary-700 mb-2">Our Backend Server receives:</h4><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>All data necessary to provide app functionality (transactions, user settings)</li><li>WhatsApp messages via Meta webhook (for WhatsApp Connect users only)</li></ul></div><div><h4 class="text-xl font-semibold text-primary-700 mb-2">Meta (WhatsApp Business Platform) receives:</h4><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Messages sent between you and our WhatsApp Business number (in transit)</li></ul></div><div><h4 class="text-xl font-semibold text-primary-700 mb-2">AI Processing Provider receives:</h4><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Message text, images, or documents sent via WhatsApp (for transaction extraction only; not stored)</li></ul></div><div><h4 class="text-xl font-semibold text-primary-700 mb-2">Google AdMob receives (free tier only):</h4><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li>Advertising identifier, device/app information, IP address, and ad interaction data â to serve and measure ads. No ads or ad data for Pro users</li></ul></div></div><div class="bg-green-50 dark:bg-green-900/20 border border-green-200 dark:border-green-800 rounded-lg p-4 mt-4"><ul class="list-disc list-inside text-green-900 dark:text-green-200 space-y-1 text-sm"><li>We do not sell your personal information to third parties</li><li>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 â never your financial information</li><li>We do not use your data for marketing unrelated to the App</li></ul></div></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-4">6. Data Retention</h2><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li><strong>Account Data:</strong> Retained until you delete your account</li><li><strong>Transaction Data:</strong> Retained until you delete specific transactions or your account</li><li><strong>On-Device Cache:</strong> 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.</li><li><strong>WhatsApp Connect Data:</strong> 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</li><li><strong>Backup and Logs:</strong> Retained for up to 90 days for security and operational purposes</li></ul></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-4">7. Your Rights and Choices</h2><div class="space-y-8"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">7.1 Access and Control</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li><strong>Access</strong> your personal information stored in the App</li><li><strong>Update</strong>
1 or correct your information through the App settings</li><li><strong>Delete</strong> specific transactions or data entries</li><li><strong>Export</strong> your transaction data (through app features)</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">7.2 Permission Management</h3><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li><strong>Revoke camera permissions</strong> through your device settings (manual entry will still work)</li><li><strong>Disable background sync</strong> through app settings</li><li><strong>Disconnect WhatsApp Connect</strong> by sending "unlink" to our Business number or through the Integrations screen in the App</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">7.3 Account Deletion</h3><p class="text-gray-600 dark:text-gray-300">You can delete your account at any time through the App settings. Upon account deletion:</p><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2 mt-2"><li>All your data will be permanently removed from our servers</li><li>The on-device cache is cleared on logout or uninstall</li><li>The action is irreversible</li></ul></div><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-3">7.4 Data Portability</h3><p class="text-gray-600 dark:text-gray-300">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.</p></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="bg-yellow-50 dark:bg-yellow-900/30 border border-yellow-200 dark:border-yellow-800 rounded-2xl p-8"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-3">8. Children's Privacy</h2><p class="text-gray-600 dark:text-gray-300">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.</p></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-3">9. International Data Transfers</h2><p class="text-gray-600 dark:text-gray-300">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.</p></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-3">10. California Privacy Rights (CCPA)</h2><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li><strong>Right to Know:</strong> Request information about the categories and specific pieces of personal information we have collected</li><li><strong>Right to Delete:</strong> Request deletion of your personal information</li><li><strong>Right to Opt-Out:</strong> 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)</li><li><strong>Right to Non-Discrimination:</strong> We will not discriminate against you for exercising your privacy rights</li></ul><p class="text-gray-600 dark:text-gray-300 mt-4">To exercise these rights, please contact us using the information provided below.</p></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-3">11. European Privacy Rights (GDPR)</h2><ul class="list-disc list-inside text-gray-600 dark:text-gray-300 space-y-2"><li><strong>Right of Access:</strong> Request access to your personal data</li><li><strong>Right to Rectification:</strong> Request correction of inaccurate data</li><li><strong>Right to Erasure:</strong>
1 Request deletion of your data</li><li><strong>Right to Restrict Processing:</strong> Request restriction of processing</li><li><strong>Right to Data Portability:</strong> Request transfer of your data</li><li><strong>Right to Object:</strong> Object to processing of your data</li><li><strong>Right to Withdraw Consent:</strong> Withdraw consent at any time</li></ul></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-3">12. Changes to This Privacy Policy</h2><p class="text-gray-600 dark:text-gray-300 mb-2">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.</p><p class="text-gray-600 dark:text-gray-300">Your continued use of the App after any modifications constitutes your acknowledgment and consent to the updated policy.</p></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="bg-gradient-to-r from-primary-600 to-primary-800 rounded-2xl p-8 text-white"><h2 class="text-3xl font-bold mb-4">13. Contact Us</h2><p class="mb-4">If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:</p><div class="bg-white/20 rounded-lg p-4 mb-4"><p class="font-medium">ð§ Email: [email protected]</p></div><p class="mb-2">Response Time: We aim to respond to all inquiries within 48 hours.</p><p>For data-related requests (access, deletion, portability), please allow up to 30 days for processing.</p></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-lg"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-4">14. Consent</h2><p class="text-gray-600 dark:text-gray-300 mb-4">By using Money Minder, you hereby consent to our Privacy Policy and agree to its terms.</p><div class="bg-white dark:bg-gray-900 border border-gray-200 dark:border-gray-800 rounded-lg p-6"><h3 class="text-2xl font-semibold text-gray-900 dark:text-gray-100 mb-2">Data Processing Consent</h3><p class="text-gray-600 dark:text-gray-300">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.</p></div></div></div><div class="mb-12" style="opacity:0;transform:translateY(20px) translateZ(0)"><div class="bg-gradient-to-r from-gray-50 to-blue-50 dark:from-gray-800 dark:to-gray-700 rounded-2xl p-8"><h2 class="text-3xl font-bold text-gray-900 dark:text-gray-100 mb-4">Summary for Google Play Store</h2><div class="grid grid-cols-1 md:grid-cols-2 gap-6"><div class="bg-white dark:bg-gray-800 rounded-lg p-6 border border-gray-200 dark:border-gray-700"><h4 class="text-xl font-semibold text-primary-700 mb-2">Data Collection</h4><p class="text-gray-600 dark:text-gray-300 text-sm">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).</p></div><div class="bg-white dark:bg-gray-800 rounded-lg p-6 border border-gray-200 dark:border-gray-700"><h4 class="text-xl font-semibold text-primary-700 mb-2">Data Usage</h4><p class="text-gray-600 dark:text-gray-300 text-sm">Data is used to provide expense tracking services, automatic transaction import, financial analytics, and app improvement.</p></div><div class="bg-white dark:bg-gray-800 rounded-lg p-6 border border-gray-200 dark:border-gray-700"><h4 class="text-xl font-semibold text-primary-700 mb-2">Data Sharing</h4><p class="text-gray-600 dark:text-gray-300 text-sm">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.</p></div><div class="bg-white dark:bg-gray-800 rounded-lg p-6 border border-gray-200 dark:border-gray-700"><h4 class="text-xl font-semibold text-primary-700 mb-2">Security</h4><p class="text-gray-600 dark:text-gray-300 text-sm">We use HTTPS encryption, JWT authentication, and Firebase security infrastru
1cture to protect your data.</p></div><div class="bg-white dark:bg-gray-800 rounded-lg p-6 border border-gray-200 dark:border-gray-700 md:col-span-2"><h4 class="text-xl font-semibold text-primary-700 mb-2">User Control</h4><p class="text-gray-600 dark:text-gray-300 text-sm">You can access, modify, export, or delete your data at any time. You can revoke permissions and delete your account through the app.</p></div></div></div></div></div></div></main></div><!--$!--><template data-dgst="BAILOUT_TO_CLIENT_SIDE_RENDERING"></template><!--/$-->
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