PRIVACY POLICY – MONEY WAVE
Money Wave is committed to protecting your privacy and personal data. We respect your privacy and only process data in a transparent and secure manner.
1. Information Collection
Money Wave does not collect, store, or share your personal information on external servers. All data such as saved loans, savings calculations, goals, and reminders are stored locally on your device. For Premium purchases, transaction information is processed securely through Apple App Store or Google Play Store. We do not have access to your payment details.
2. Data Usage
Data stored in Money Wave is solely intended to help you manage your financial calculations and planning. All data is processed directly on your device and is not sent to our servers or third parties.
3. Device Permissions
In some cases, the app may request access permissions such as:
- Notifications: To send payment reminders and alerts you have set up.
- Camera: To scan QR codes for bank transfer information.
- Photo Library: To save or import QR code images.
These permissions are only used to serve the app's functionality and are not used to collect personal data.
4. Data Security
Money Wave uses security measures to protect your data on your device. Users should set a strong device passcode or use security methods like Face ID / Touch ID (if available) to enhance protection.
5. Children's Privacy
Money Wave is not directed at children under 13 years of age and does not knowingly collect personal information from children. If you are a parent and believe your child has provided personal information through the app, please contact us for assistance.
6. Policy Changes
This privacy policy may be updated from time to time to reflect changes in the app or legal requirements. Any changes will be published in the new version of the app.
TERMS OF SERVICE – MONEY WAVE
Welcome to Money Wave. By downloading, installing, or using this application, you agree to be bound by these Terms of Service. Please read them carefully.
1. Acceptance of Terms
By accessing or using Money Wave, you agree to comply with and be bound by these Terms of Service. If you do not agree to these terms, please do not use the app.
2. Description of Service
Money Wave is a financial calculator application that helps users calculate loan payments, plan savings, set financial goals, create payment reminders, and generate QR codes for bank transfers. The app is intended for informational and educational purposes only and is not a substitute for professional financial advice.
3. User Responsibilities
You are responsible for ensuring the accuracy of data you input, maintaining the security of your device and app data, using the app in compliance with all applicable laws, and verifying calculations with financial institutions before making financial decisions.
4. Premium Subscription
Money Wave offers premium features through in-app purchases including Monthly Subscription, Yearly Subscription, and Lifetime Purchase. Payment will be charged to your Apple ID or Google Play account at confirmation of purchase. Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period. You can manage and cancel subscriptions in your device's account settings.
5. Disclaimer of Warranties
Money Wave is provided "as is" without warranties of any kind. We do not guarantee that calculations are 100% accurate for all financial scenarios. Always verify calculations with your bank or financial advisor before making financial decisions.
6. Limitation of Liability
To the maximum extent permitted by law, Money Wave and its developers shall not be liable for any direct, indirect, incidental, or consequential damages, financial losses resulting from reliance on app calculations, or loss of data stored in the app.
7. Intellectual Property
All content, features, and functionality of Money Wave are the exclusive property of Money Wave and are protected by intellectual property laws.
8. Modifications
We reserve the right to modify or discontinue the app at any time, update these Terms of Service, and change pricing for premium features. Continued use of the app after changes constitutes acceptance of the new terms.
Contact
If you have any questions about these Terms of Service, please contact us:
Email: longavtl@gmail.com
Last updated: 2026