Privacy Policy — Money Manager AI
Last updated: Last updated: October 1, 2026 · Contact: sherry03612@gmail.com
This Privacy Policy describes how Money Manager AI ("the App", "we", "us", or "our") handles information when you use our mobile application. By using the App, you agree to the practices described below.
1. Summary
We do not store your financial records on our servers. Your financial data stays securely on your device.
Optional AI features (receipt scanning, voice input, and AI insights) use secure proxy services and industry-leading AI models to process only the data you choose to submit.
Free users may see ads provided by Google AdMob. Premium subscribers enjoy an entirely ad-free experience.
Payments and subscriptions are processed securely by Google Play / Apple App Store.
2. Data We Collect and Store
All data you enter into the App is stored locally on your device. This includes:
Transactions (amount, category, date, notes, attached photos)
Budgets and budget settings
Recurring expenses and subscriptions
Account information (account names, balances, currency)
App preferences and settings
We do not back up your financial records to our servers. Optional AI features transmit only the content you choose to submit for processing.
3. Optional AI Features & Cloud Processing
When you choose to use optional AI features (such as receipt scanning, smart voice input, text-to-transaction, or AI insights), the App securely transmits the submitted content (e.g., receipt photos, transaction notes, or audio snippets) to provide automated extraction and categorization.
- **Service Providers & Recipients:** AI processing is handled securely using enterprise cloud AI providers and network security proxies, including Google Cloud (Gemini API), OpenAI, and Cloudflare.
Purpose: Content is processed strictly to extract transaction details (date, amount, merchant, category) and generate spending summaries.
Data Retention & Privacy: Submitted data is transmitted via encrypted HTTPS connections. Our cloud AI partners process this data ephemerally to return results and do not use your private financial records to train public AI models. Data is not permanently retained on external proxy servers.
- **User Control:** These features are entirely optional. If you choose not to use AI features, no receipt images or financial notes are ever transmitted to third-party AI services.
4. Advertising (Google AdMob)
The free version of the App displays advertisements powered by Google AdMob. Google AdMob may collect and process device identifiers, cookies, and app usage data to serve relevant ads in accordance with Google's Privacy Policy (https://policies.google.com/privacy).
Upgrading to Money Manager Premium completely disables all advertising and ad tracking.
5. Subscriptions & Payments
In-app purchases and subscriptions are billed and processed directly through the official app store (Google Play Store or Apple App Store). We do not collect, view, or store your credit card or financial payment details.
To manage subscription status, unlock premium features, and restore purchases, we use RevenueCat, Inc. as our subscription infrastructure partner. RevenueCat processes anonymous app user identifiers and store purchase receipts solely to validate your active subscription.
6. Permissions We Request
Camera: To capture receipt photos for scanning.
Photos / File Picker: To attach receipt images or documents.
Microphone: To record voice input for adding transactions.
You can revoke permissions in your device settings at any time.
7. Data Retention and Deletion
Because your data is stored locally on your device:
To delete individual records, remove them inside the App.
To delete all data, clear the App's data in device settings or uninstall the App.
8. Children's Privacy
The App is not directed to children under 13. We do not knowingly collect data from children.
9. Security
Your data is stored in your on-device local database. All data sent for optional AI processing or subscription verification is encrypted and transmitted over secure HTTPS connections.
10. Future Cloud Services & Changes to This Policy
We may update this Privacy Policy as the App evolves. A future version may introduce optional cloud backup or multi-device sync features. If you choose to enable optional cloud services in the future, we will notify you inside the App and update this policy before any financial records leave your device.
11. Contact
For any privacy questions or inquiries:
Email: sherry03612@gmail.com