Privacy Policy

MomWallet – Personal Finance Manager

Last Updated: 24 February 2026

1. Introduction

This Privacy Policy describes how MomWallet (“we”, “our”, or “us”) collects, uses, and protects user information when you use the MomWallet mobile application (“Application”).

By using the Application, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

2.1 Personal Information

MomWallet does not require user account registration and does not directly collect personal identity information such as name, email address, or phone number.

All financial transaction data entered into the Application is stored locally on your device.

2.2 Financial Data

The Application allows users to input:

• Income and expense transactions
  
  

• Categories and payment methods
  
  

• Budget envelopes
  
  

• Notes and transaction descriptions
  
  

This data is stored only on the user’s device and is not transmitted to our servers.

We do not have access to your financial data.

2.3 Biometric Authentication

MomWallet may use biometric authentication (such as fingerprint or facial recognition) to enhance security.

Biometric data is:

• Processed entirely by your device’s operating system
  
  

• Not stored by MomWallet
  
  

• Not transmitted to any external server
  
  

We do not access or store biometric information.

2.4 Advertising Data

The free version of MomWallet uses advertising services provided by:

• Google AdMob
  
  

AdMob may automatically collect certain information, including:

• Device information
  
  

• Advertising ID
  
  

• IP address
  
  

• App usage statistics
  
  

This data is collected and processed by Google in accordance with Google’s Privacy Policy.

We do not control how third-party advertising providers process data.

For more information, please review Google’s Privacy Policy:
https://policies.google.com/privacy

2.5 In-App Purchases (If Applicable)

If you purchase the premium version, payments are processed securely by:

• Google Play
  
  

We do not collect or store payment card information.

3. How We Use Information

We use information solely to:

• Provide core application functionality
  
  

• Improve user experience
  
  

• Display advertisements in the free version
  
  

• Enable premium features
  
  

We do not sell user data.

4. Data Storage & Security

All financial data is stored locally on the user's device.

We implement the following security measures:

• PIN protection
  
  

• Optional biometric authentication
  
  

• Local encrypted storage (where supported)
  
  

Users are responsible for maintaining the security of their device.

5. Data Sharing

We do not share personal financial data with third parties.

However, third-party services such as AdMob may collect data independently under their own privacy policies.

6. Children's Privacy

MomWallet is not directed toward children under the age of 13.

We do not knowingly collect personal information from children.

7. User Rights

Depending on your jurisdiction, you may have the right to:

• Access your stored data
  
  

• Delete your data (by deleting the application)
  
  

• Disable advertising personalization through device settings
  
  

Since all financial data is stored locally, deleting the app will permanently remove stored data unless backed up manually by the user.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

Any changes will be reflected by updating the “Last Updated” date at the top of this document.

9. Contact Us

If you have any questions regarding this Privacy Policy, please contact:

Email: elsindoteknologinusantara.com
App Name: MomWallet