Privacy Policy for MoneyWise
Last updated: September 21, 2026
Welcome to MoneyWise ("we," "our," or "us"). We are committed to protecting your privacy. This Privacy Policy explains our practices regarding the collection, use, and disclosure of information when you use our mobile application MoneyWise (package name: com.hm.moneywise).
1. Summary (Privacy at a Glance)
- 100% Offline: MoneyWise is built strictly as an offline personal expense and budget manager.
- No Remote Servers: We do not operate remote servers to store or sync your personal financial records.
- No Personal Data Collection: We do not collect, transmit, sell, or share your names, phone numbers, email addresses, financial accounts, or device identifiers.
- No Third-Party Trackers or Ads: We do not use third-party analytics (e.g., Firebase Analytics), tracking cookies, or advertising SDKs (e.g., AdMob).
2. Information We Collect and How It Is Handled
A. User-Entered Financial Records
When you use MoneyWise, you may input data such as:
- Expense and income amounts
- Transaction categories (e.g., Food, Travel, Shopping, Salary)
- Custom transaction notes/descriptions
- Transaction dates and timestamps
- Preferred currency choice (e.g., INR, USD, EUR)
Storage & Processing:
All transaction details and records are stored exclusively in a local SQLite database (Room Database) sandboxed directly inside your device's private storage. Your currency preference is saved locally using Android's private SharedPreferences. This data NEVER leaves your device and is never uploaded to any cloud server or third-party service.
B. Sensitive Permissions & Device Information
- Internet Permission: MoneyWise does NOT request or use the android.permission.INTERNET permission. The app has no capability to communicate over the network.
- Device Identifiers & Location: We do not access your device ID, IMEI, MAC address, IP address, GPS location, contacts, camera, or microphone.
3. Third-Party Services
MoneyWise does not integrate any third-party SDKs, analytics frameworks, advertisement networks, or external APIs. No third party has access to your data through our application.
4. Data Retention and Deletion
- User Control: You have full control over your data. You can edit or delete any transaction record directly within the app at any time.
- Permanent Deletion: You can completely erase all data generated by MoneyWise by clearing the application's data via your Android device settings (Settings > Apps > MoneyWise > Storage > Clear Storage / Clear Data) or by uninstalling the application.
5. Children's Privacy
MoneyWise does not address anyone under the age of 13. Since MoneyWise does not collect any personal data from any user, we do not knowingly collect or solicit personal information from children.
6. Security
All data is stored strictly locally on your device within the secure application sandbox provided by the Android Operating System. Unauthorized applications cannot access your MoneyWise financial records.
7. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. Any updates will be posted on this page with an updated "Last updated" date.