Privacy Policy

Introduction

MoneyLogger ("the App") is a personal finance application that helps you track expenses, manage categories, and monitor your spending. This Privacy Policy explains how we collect, use, and protect your information when you use the App.

Data We Collect

When you use the App, we collect and store the following data:

• Account information - your email address, used for authentication and account identification.
• Expense data - expense names, amounts, dates, times, notes, and category assignments that you enter.
• Category data - category names, icons, and colors that you create or customize.
• Scheduled expenses - recurring expense configurations that you set up.
• App preferences - your selected currency, theme preference, and other settings.
• Notification content (Android only, optional) - if you enable the Smart Suggestions feature and grant notification access, the App reads notifications posted by banking apps you have explicitly whitelisted. Notification text is processed locally to extract the transaction amount and currency, and is then sent to Google's Gemini model (via Firebase Vertex AI) to suggest an expense name and category. Notification text from non-whitelisted apps is ignored. Smart Suggestions is opt-in and can be disabled at any time from Settings or by revoking notification access in your device settings.
• Location data (Android only, optional) - if you enable the Smart Suggestions feature and grant location permission, the App reads your device's last known location (latitude and longitude) at the moment a whitelisted banking notification is processed. The App requests precise location, but on Android 12 and later the system permission dialog lets you choose between Precise and Approximate — either choice is sufficient for the feature, which works the same way with either precision. Location capture additionally requires the "Allow all the time" (background) location permission, because notifications are processed while the App runs in the background. Location is used solely to improve the accuracy of expense name and category suggestions — see "Smart Suggestions and Location" below for details. Smart Suggestions works without location; you can deny or revoke this permission at any time in your device settings without losing access to the feature.
• Usage analytics - anonymous usage data about how the App is used, including app sessions, screen views, device model, operating system, language, and country. We also record whether you are using the App in offline mode or with cloud sync. If you are signed in, an anonymous identifier tied to your account is attached to this data so we can troubleshoot issues. This data does not include your expense names, amounts, categories, or any other personal financial information. You can disable analytics at any time from Settings.

How We Use Your Data

Your data is used solely to provide the App's functionality. If you use the App without an account, your data stays on your device and is used only to display your expenses and summaries locally.

If you create an account, we additionally use your information to:

• Authenticate your account and keep your data secure.
• Sync your data automatically across your devices.

In both cases, your data is used to:

• Display your expenses, categories, and summaries within the App.
• Apply your preferences such as currency and theme.

We do not sell or share your personal or financial data, and we do not use it for advertising. We collect anonymous usage analytics to help us find bugs and improve the App. You can disable analytics at any time from Settings.

Smart Suggestions and Location

Smart Suggestions is an optional Android-only feature that turns banking notifications into pre-filled expense suggestions. You must explicitly enable it during onboarding, whitelist each banking app whose notifications you want processed, and grant the relevant Android permissions. The feature is fully opt-in and can be disabled at any time.

If you also grant location permission, your device's last known location is read at the moment a whitelisted banking notification is processed. The App requests precise location; on Android 12 and later you can choose between Precise and Approximate in the system permission dialog, and either choice is sufficient — the feature works the same with either precision. The location is used in two ways:

• Improving suggestion accuracy - the location, the notification text, the transaction amount, and a short history of your recent expenses (in the same currency) are sent to Google's Gemini model via Firebase Vertex AI so that the model can recognize merchants you have spent at before and suggest a more accurate expense name and category.
• Attaching to your expense record - the location is stored locally on the suggestion. If you accept the suggestion and turn it into an expense, the location is saved alongside that expense. If you are signed in to an account, this location is synced as part of your expense data so the expense is available on your other devices.

Location data is never used to track you, never used for advertising, and never shared with any third party other than Google's Gemini service (for the prediction request described above) and Google Firebase (for syncing your accepted expenses, only if you are signed in). Location data is never collected or transmitted while you are not actively using Smart Suggestions, and the App does not run any background location tracking, geofencing, or continuous location monitoring — location is only read in response to a banking notification arriving on your device. You can revoke the location permission at any time from your device settings, and Smart Suggestions will continue to work without it.

On iOS, the App does not request or collect location data.

Data Storage and Security

Your data is always stored locally on your device first. If you are not signed in to an account, your data remains entirely on your device and is never transmitted to any server.

If you sign in to an account, your data is automatically synced in the background to Google Firebase services, hosted on Google Cloud infrastructure. Data is encrypted in transit using TLS and encrypted at rest on Firebase servers. We follow industry-standard security practices to protect your information.

Third-Party Services

The App uses the following third-party services:

• Firebase Authentication - for secure user sign-in and account management. See Firebase Privacy Policy.
• Cloud Firestore - for storing and syncing your expense and category data. See Google Cloud Privacy Notice.
• Firebase Crashlytics - for collecting anonymous crash reports to improve App stability. Crash reports do not contain your personal financial data. See Firebase Privacy Policy.
• Firebase Analytics - for collecting anonymous usage data to help us understand how the App is used and improve it. Analytics data does not contain your personal financial data and can be disabled from Settings. See Firebase Privacy Policy.
• Firebase Vertex AI (Google Gemini) - for the Smart Suggestions feature on Android, banking notification text, the transaction amount, a short history of your recent expenses in the same currency, and (if you have granted location permission) your device's approximate location are sent to Google's Gemini model so it can suggest a name and category for the expense. This data is only sent when Smart Suggestions is enabled and a whitelisted banking notification is received. See Firebase Privacy Policy and Vertex AI Data Governance.

Your Rights

You have the following rights regarding your data:

• Export - you can export all your data as a JSON file at any time from the Settings screen in the App.
• Delete - you can delete your account and all associated data, including cloud-synced data, from within the App. Once deleted, your data cannot be recovered.
• Access - all data you enter is visible to you within the App at all times.
• Offline use - you can use the App without creating an account. In this case, no personal data is transmitted to our servers.
• Analytics opt-out - you can disable usage analytics collection at any time from Settings.
• Smart Suggestions and location opt-out - Smart Suggestions is opt-in and can be disabled from Settings at any time. You can also revoke notification access or location permission at any time in your device settings. Revoking location permission does not disable Smart Suggestions; it only stops location data from being captured and used to refine suggestions.

Children's Privacy

The App is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal information, please contact us so we can take appropriate action.

Changes to This Policy

We may update this Privacy Policy from time to time. When we make changes, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically.

Contact

If you have any questions or concerns about this Privacy Policy or your data, please contact us at:

[email protected]