Privacy Policy

MoneeFlow works locally on your phone. You do not need to create an account, and we do not operate servers that store your finances.

Everything you enter — expenses, income, budgets, categories, labels, notes, and balances — is saved only on your device. We cannot access your financial records. This information is never uploaded to us and is never shared with advertisers.

You can optionally protect the app with a PIN code. Backups you create are also stored locally on your device.

The app is free to use. The free version may show full-screen ads from time to time — no more than 3 times per day, with at least 2 hours between impressions. Ads are not shown while you are completing the first-time tutorial.

You can remove ads permanently with a one-time Premium purchase through Google Play or the App Store. There is no subscription: you pay once and keep Premium forever.

We use Google Firebase Analytics to understand how the app is used and to improve it. Google may receive general usage data, such as:

• Which screens are opened
• Whether the tutorial or onboarding was completed
• General in-app actions (for example, that an expense was added — but not the amount)
• Whether Premium is active

Financial details — amounts, category names, comments, labels, and balances — are never sent to Google or any third party.

Learn more in the Google Privacy Policy.

In the free version, ads are served by Google AdMob. To display and measure ads, Google may collect:

• Your device's advertising identifier
• Device information (model, operating system, language)
• Approximate location derived from your IP address
• How you interact with ads (views, clicks)

Google does not receive your financial data. You can:

• Remove ads entirely by purchasing Premium
• Limit personalized ads in your phone settings (Google → Ads → Opt out of Ads Personalization)

More information: Google Privacy Policy, how AdMob uses data.

When you buy Premium, payment is processed entirely by Google Play or the App Store. We never see or store your credit card number or billing address.

The app checks your purchase status to unlock Premium features. Payment and transaction details are handled according to Google or Apple's privacy policies.

You can create a backup of your data and save it on your device. Backups are stored locally in a folder called MoneeFlowDailyLimit — they are never uploaded to our servers.

You are responsible for keeping your backup files safe if you export or copy them elsewhere.

To delete all your financial data and reset the app:

• Open Settings in the app
• Tap Reset Data
• Confirm — all records, categories, settings, and local backups will be permanently deleted

Uninstalling the app also removes all locally stored data from your device.

Data collected by Google through analytics and advertising is managed by Google. To request deletion of analytics or advertising data linked to your device, email us at moneeflow.studio@gmail.com.

Any data transmitted to Google (analytics and ads) is sent over an encrypted connection (HTTPS/TLS). Your financial data does not leave your device unless you manually export a backup.

Android cloud backup for the app is disabled. We recommend using the in-app backup feature if you want to keep a copy of your data.

The app is not intended for children under 13 years of age (or under 16 in the European Union). We do not knowingly collect personal information from children.

We may update this Privacy Policy from time to time. The latest version is always available on this page. The date at the top indicates when it was last updated.

Continued use of the app after changes are published means you accept the updated policy.