1. Introduction

MoneyBook ("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 mobile application (the "App"). Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the App.

Age Restriction: MoneyBook is intended for users aged 13 and above. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

2. Information We Collect

2.1 Personal Information You Provide

When you use MoneyBook, we may collect the following information that you provide directly:

• Account Information: Email address, name (if provided via Google Sign-In)
• Financial Data: Income records, expense records, transaction details, categories, notes, and amounts (all stored on your behalf)
• Currency Preferences: Your selected currency for financial tracking
• Authentication Data: Login credentials and authentication tokens

2.2 Automatically Collected Information

When you access the App, we may automatically collect certain information, including:

• Device Information: Device type, operating system, unique device identifiers
• Usage Data: App interactions, features used, session duration
• Network Information: Internet connectivity status

2.3 Google Sign-In Data

If you choose to sign in with Google, we receive:

• Google Account email address
• Google Account profile name
• Google Account unique identifier (User ID)
• Authentication tokens to maintain your session

We do not have access to your Google Account password. Google Sign-In is governed by Google's Privacy Policy.

3. How We Use Your Information

We use the collected information for the following purposes:

• Provide Services: To create and manage your account, store your financial data, and provide core app functionality
• Authentication: To verify your identity and maintain secure access to your account
• Personalization: To customize your experience based on your preferences (e.g., currency selection)
• Sync Across Devices: To synchronize your data across multiple devices using cloud storage
• Improve Our Services: To analyze usage patterns and improve app performance and features
• Customer Support: To respond to your inquiries and provide technical support
• Legal Compliance: To comply with applicable laws and regulations

4. Third-Party Services and Data Sharing

4.1 Firebase (Google LLC)

MoneyBook uses Google Firebase services to provide core functionality:

• Firebase Authentication: For user authentication and account management
• Cloud Firestore: For secure storage and synchronization of your financial data
• Firebase Hosting: For app configuration and content delivery

Data Shared with Firebase: Email address, user ID, authentication tokens, financial transaction data, categories, and user settings.

Important: Firebase is a service provided by Google LLC. Your data stored in Firebase is subject to Google's Privacy Policy and security measures. Data is stored on Google's secure servers and may be processed in countries where Google operates data centers.

For more information, visit: Firebase Privacy Policy

4.2 Google Sign-In

When you use Google Sign-In, Google may collect certain information about your use of the App. This is governed by Google's Privacy Policy.

4.3 Future Payment Processing (RevenueCat/Google Play Billing)

When subscription features are added, we may use:

• Google Play Billing: For processing payments and managing subscriptions
• RevenueCat (optional): For subscription management and analytics

Payment information (credit card details) will be processed directly by Google Play Store and will not be stored on our servers.

4.4 We Do Not Sell Your Data

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

5. Data Storage and Security

5.1 Where Your Data is Stored

• Cloud Storage: Your financial data is stored in Google Cloud Firestore databases
• Local Storage: Some preferences may be cached locally on your device for performance
• Geographic Location: Data may be stored and processed in any country where Google operates Firebase infrastructure

5.2 Security Measures

We implement industry-standard security measures to protect your information:

• Data encryption in transit using SSL/TLS protocols
• Data encryption at rest in Firebase Cloud Firestore
• Firebase Security Rules to prevent unauthorized access
• Secure authentication using Firebase Auth and Google Sign-In
• Regular security audits and updates

Important: While we strive to 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.

6. Data Retention and Deletion

6.1 How Long We Keep Your Data

• Active Accounts: We retain your data as long as your account is active or as needed to provide services
• Deleted Accounts: Upon account deletion, your data will be permanently removed within 30 days
• Backup Data: Backups containing your data may persist for up to 90 days for disaster recovery purposes

6.2 Your Right to Delete Your Data

You have the right to request deletion of your account and all associated data at any time:

• Via App: Go to Settings → Account → Delete Account
• Via Email: Contact us at 1moneybookapp@gmail.com
• Guides: View our Account Deletion Guide or Data Management Guide for step-by-step instructions.

Upon receiving a deletion request, we will:

1. Verify your identity
2. Permanently delete your account and all associated financial data
3. Send you a confirmation email within 7 business days
4. Complete the deletion process within 30 days

Note: Account deletion is permanent and cannot be undone. Please export your data before deleting your account if you wish to keep a copy.

7. Your Privacy Rights

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

• Access: Right to request a copy of the personal data we hold about you
• Correction: Right to request correction of inaccurate or incomplete data
• Deletion: Right to request deletion of your personal data
• Data Portability: Right to receive your data in a structured, machine-readable format
• Withdraw Consent: Right to withdraw consent for data processing (may limit app functionality)
• Object to Processing: Right to object to certain types of data processing

To exercise these rights, please contact us at 1moneybookapp@gmail.com

8. International Data Transfers

Your information 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. By using MoneyBook, you consent to such transfers.

Firebase infrastructure operates globally, and your data may be processed in any country where Google maintains data centers, including but not limited to the United States and European Union.

9. Children's Privacy

MoneyBook is not intended for children under the age of 13. We do not knowingly collect personally identifiable 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 immediately. If we become aware that we have collected personal information from children without verification of parental consent, we will take steps to remove that information from our servers.

10. California Privacy Rights (CCPA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information
• Right to opt-out of the sale of personal information (we do not sell your data)
• Right to non-discrimination for exercising your CCPA rights

To exercise these rights, contact us at 1moneybookapp@gmail.com

11. European Privacy Rights (GDPR)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

• Right of access to your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Rights related to automated decision-making

Legal Basis for Processing: We process your data based on:

• Your consent (which you may withdraw at any time)
• Performance of a contract (providing app services)
• Legitimate interests (improving our services)

To exercise your rights or file a complaint with a supervisory authority, contact us at 1moneybookapp@gmail.com

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be effective immediately upon posting. We will notify you of any material changes by:

• Posting a notice in the App
• Sending an email to the address associated with your account
• Updating the "Last Updated" date at the top of this policy

Your continued use of the App after changes constitutes acceptance of the updated Privacy Policy.

13. Contact Us

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

For data protection inquiries specifically related to GDPR or CCPA compliance, please reference the regulation in your email subject line.