Privacy Policy

1. Information We Collect

1.1 Information You Explicitly Provide

• Account Data: We use your Google Account for authentication. We collect your email address, name, and profile picture to create your user identity.
• Financial Data: Transactions, wallets, budgets, categories, emojis, and notes you enter.
• Documents for AI Scanning: If you use our Premium AI Scan feature, we collect the receipt images (PNG/JPG) or monthly statements (PDF) you upload for processing.

1.2 Information Stored Locally & Synced

Money Habit utilizes an Offline First architecture (using Drift/SQLite):

• Primary Storage: All your data is stored locally on your device's internal database for instant access and performance.
• Cloud Synchronization: Data is synchronized to our secure database (Supabase) to allow multi-device usage.
• Biometric Data: If you enable Biometric Lock (Pro), we use your device's native FaceID/TouchID API. We do not collect or store your biometric data on our servers; it remains strictly on your device.

1.3 Technical Data

We collect limited technical logs for debugging and analytics:

• Device model, OS version, and app crash logs.
• Subscription status (via RevenueCat).

2. How We Use Your Information

We process your data to:

• Provide Core Services: Allowing you to record transactions, view reports (Weekly/Monthly/Yearly), and manage wallets offline and online.
• Sync Across Devices: Ensuring your data is consistent whether you log in from an iPhone or Android device.
• AI Analysis (Pro Feature): Analyzing uploaded receipts or PDF statements to automatically extract transaction details (date, amount, category) so you don't have to type them manually.
• Backup: Performing daily local backups to your personal Google Drive (if enabled).

3. Third-Party Services & Sub-processors

We partner with trusted third-party services to power Money Habit's infrastructure. We do not sell your data.

4. AI Scanning & Data Privacy

• No Human Review: Your uploaded documents are processed by algorithms, not humans.
• Transient Processing: Images/PDFs sent for AI analysis are used solely for extraction and are not retained by our AI processors to train their public models.
• Accuracy: While we strive for high accuracy, users are responsible for verifying the extracted data before saving it to their ledger.

5. Data Storage, Security & Deletion

5.1 Hybrid Storage Model

Your data lives in two places:

1. Local Device (Drift): Allows the app to work flawlessly without internet.
2. Cloud (Supabase): Encrypted at rest and in transit. Used for syncing between devices.

5.2 Google Drive Backup

Free users have the option to back up their local database to their personal Google Drive once a day. This data is stored in your private cloud storage; Money Habit developers have no access to these files.

5.3 Account Deletion

You can request account deletion directly within the app settings. Upon confirmation:

• Your data on Supabase is permanently deleted.
• Your active subscription (via RevenueCat) must be cancelled by you via the App Store/Play Store settings.
• Local data on your device is removed when you uninstall the app.

6. Premium Subscriptions (Pro)

Money Habit offers a Premium subscription ($1.99/month). All payments are processed securely by Apple (App Store) or Google (Play Store).

• We do not store or have access to your credit card information.
• Subscription management (cancellation, renewal) is handled through your Apple ID or Google Play account settings.

7. Children's Privacy

Money Habit is not intended for children under 13. We do not knowingly collect information from children. If we discover such data, we will delete it immediately.

8. Changes to Policy

We may update this policy as the app evolves. Significant changes will be notified via an in-app update. Continued use of the app implies acceptance of the updated terms.