Privacy Policy for MoneyFlow

Effective Date: 01 Sept 2026

Welcome to MoneyFlow. We are committed to protecting your privacy and ensuring you have a secure experience. This Privacy Policy explains our practices regarding your data when you use the MoneyFlow mobile application to track your expenses.

Our core privacy principle is simple: MoneyFlow is an offline, local-first application. We do not collect, store, or have access to your personal or financial data

1. Information We Collect

Because MoneyFlow is designed to keep your data fully on your device, we do not collect information from you.

• No Personal Information: You do not need to create an account to use MoneyFlow. We do not collect personal details such as your name, email address, or phone number.

• No Financial Information: While you manually enter financial data (such as expenses, amounts, and categories) into the app, this data is saved exclusively on your local device. The app does not connect to any bank accounts, UPI platforms, or financial institutions.

• No Usage or Device Data: We do not track how you use the app. The app does not connect to external servers to upload usage analytics, crash reports, or device identifiers.

• No Location Data: We do not request, collect, or track your GPS or location data.

2. How We Use Your Information

While we do not collect or access your data, the MoneyFlow app processes your inputs locally on your device to function correctly.

• App Functionality: The app uses the data you manually enter to categorize expenses and generate local financial reports and insights.

• User-Managed Backups: If you choose to export or back up your data, that backup file is managed entirely by you. We do not host or have access to your backups.

3. How We Share Your Information

• We do not share your information under any circumstances. Because we do not collect or possess your personal or financial data, it is impossible for us to sell, trade, rent, or disclose it to any third parties, service providers, or legal authorities.

4. Data Security

Because your data is stored locally on your mobile device, the security of your financial data relies on the security of your device itself.

• We strongly recommend protecting your mobile device with a strong passcode, PIN, or biometric authentication.

• If you choose to back up your MoneyFlow data to a third-party cloud service (like Google Drive or iCloud), the security of that backup is governed by the privacy policy of that specific service provider.

5. Your Data Rights and Choices

Because you are in full control of your local data, you have complete authority over it:

• Access and Update: You can review, edit, or delete any expense entry directly within the MoneyFlow app.

• Complete Deletion: To permanently delete all your data, you simply need to clear the app's data in your device settings or uninstall the MoneyFlow app from your phone. Please note that if you have saved manual backup files elsewhere on your device, you will need to delete those separately.

• Communications: We do not collect your email or phone number, so we will never send you promotional emails or make marketing calls.

6. Children's Privacy

MoneyFlow does not collect personal information from anyone, regardless of age. Therefore, the app is completely safe for use by children, as no data is ever transmitted from the device to us or any third parties.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time, primarily to reflect updates to app features or legal requirements. Since we do not have your contact information, we cannot notify you directly. Any updates will be reflected in the app stores or on this page, and the "Effective Date" at the top will be updated accordingly.

8. Contact Us

If you have any questions, concerns, or need assistance regarding this Privacy Policy or how the app functions, please contact us at:

• Email: s.k.networking175@gmail.com

• Website: Coming soon

• Mailing Address: Coming soon