Privacy Policy
MaMoney ("the app", "we") is a personal budgeting, debt and savings tracker for Android and iPhone. This policy explains what data the app handles, where it lives, and the choices you have. The short version: your financial data belongs to you. We don't sell it, and we don't collect analytics about your behavior.
1. Data stored on your device
By default, everything you enter in MaMoney (accounts, categories, budgets, entries such as income, bills, expenses, debts, savings and investments, recurring rules, money owed to you, saved reports, and preferences such as language and theme) is stored locally on your device. If you never create a cloud account, your financial data is never sent to us. Like any app, it can be included in your phone's own system backup (Google or iCloud), which is tied to your own Google or Apple account.
If you add the MaMoney home screen widget (Android), it shows this month's figures for your active account on your home screen. If you turn on an app lock, the widget hides all amounts.
2. Optional cloud backup (account)
Cloud backup is optional. You can sign in with an email and password, Sign in with Apple (iPhone) or Sign in with Google. If you use Apple or Google, we receive only your email address (or the private relay address Apple creates if you choose "Hide My Email") and an account identifier from that provider. We never receive your Apple or Google password.
When you are signed in, the app backs up a copy of your in-app data so you can restore it on any device:
- Your email address (used only to sign you in)
- Your accounts (name and currency), categories and budgets
- Your entries (date, type, category, amount, optional note)
- Recurring rules, money owed to you, saved reports and app preferences
Your app lock PIN, pattern and biometric setting are never uploaded.
Cloud data is hosted on Supabase infrastructure, transmitted over HTTPS, and protected by row-level security so that only your authenticated account can read or write your data. Passwords are hashed by the authentication provider; we never see or store your plain-text password.
3. Premium subscription and payments
MaMoney Premium is an optional auto-renewing subscription. Payments are processed entirely by Google Play (Android) or the Apple App Store (iPhone). We never see or store your card or bank details.
To check whether your subscription is active, the app uses RevenueCat, a subscription service. RevenueCat receives an anonymous app user ID and your store purchase records (product, dates, renewal status). It does not receive your financial entries.
4. What we do NOT collect
- No analytics or behavioral tracking, and no tracking across other apps or websites
- The app currently shows no advertising
- No contact lists, photos, location, or microphone access
- No bank account connections: every entry is typed by you
- No sale of personal data, and no sharing except the service providers named in this policy
5. Biometrics and app lock
If you enable PIN, pattern, or biometric unlock (fingerprint or Face ID), verification happens entirely on your device through your phone's operating system. MaMoney never receives, stores, or transmits your fingerprint or face data.
6. Notifications
If you allow notifications, the app schedules local reminders on your device: reminders for recurring payments you created, and optional daily reminders to log your spending (you can turn these off in Setup). They are created on your phone, and no notification data is sent to any server.
7. Live exchange rates (optional)
If you tap Use live market rates in cross-account reports, the app downloads public currency exchange rates from ExchangeRate-API (open.er-api.com) or, if that is unavailable, from a public currency dataset served by jsDelivr. The request contains none of your accounts, entries or personal details. As with any website, these services can see your device's IP address when it connects.
8. Backups and reports you export
Backup files and PDF or Excel reports you export are created on your device and shared only where you choose to save or send them. You are responsible for the location you pick.
9. Data retention & deletion
Local data is deleted when you delete the app's data or uninstall it. Cloud data is retained while your account exists. You can delete individual accounts and their entries in the app at any time.
To delete your entire cloud account and all associated data, open the app and go to Setup → Cloud backup → Delete cloud account & data. Deletion is immediate and permanent. You can also request deletion at mamoney.app/delete-account or by emailing us, and we will complete it within 30 days.
10. Children
MaMoney is not directed at children under 13, and we do not knowingly collect personal information from children.
11. Changes to this policy
If we make material changes, we will update this page and the "Last updated" date. Continued use of the app after changes means you accept the updated policy.
12. Contact
Questions or deletion requests: privacy@mamoney.app