Privacy Policy

Information you provide directly: When you create an account, we collect only your generalised device information and assign you an API key. You may optionally provide a profile nickname and language preferences.

Financial data you enter: MoneyKiss stores transaction records, budget limits, savings goals, and account balances that you manually enter. This data is stored securely and is only accessible to you, unless you choose to share your account with others.

Usage data: We automatically collect information about how you interact with the Service, including features used, pages viewed, and the time and frequency of your activities.

Device information: We collect device type, operating system version, unique device identifiers, and mobile network information to improve app performance and troubleshoot issues.

We use the information we collect to:

• Provide, operate, and maintain the Service
• Process your transactions and manage your account
• Send you notifications, alerts, and account-related communications
• Analyze usage patterns to improve features and user experience
• Detect, prevent, and address technical issues and security threats
• Comply with legal obligations
• Respond to your support requests and feedback

We do not sell your personal data or financial information to third parties, ever

Your data is encrypted in transit using TLS and at rest using AES-256 encryption. We implement industry-standard security measures including access controls, regular security audits, and intrusion detection systems.

Your financial data is stored on secure servers. We retain your data for as long as your account is active or as needed to provide the Service. You may request deletion of your data at any time.

While we take every precaution to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

We do not sell, trade, or rent your personal information. We may share your data with:

• Service providers: Third-party vendors who assist in operating the Service (e.g., cloud hosting, analytics), under strict confidentiality agreements.
• Legal requirements: When required by law, court order, or governmental authority.
• Business transfers: In connection with a merger, acquisition, or sale of assets, your data may be transferred. We will notify you before your data is subject to a different privacy policy.

Depending on your location, you may have the following rights:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request correction of inaccurate or incomplete data.
• Deletion: Request deletion of your personal data. You can also delete your account directly in the app.
• Portability: Request an export of your data in a machine-readable format.
• Opt-out: Opt out of marketing communications at any time via the unsubscribe link in emails or in-app settings.

To exercise any of these rights, contact us at [email protected]. We will respond within 30 days.

Our website uses cookies and similar tracking technologies to analyze traffic and improve your experience. You can control cookie settings through your browser.

Our mobile app does not use cookies. We may use analytics SDKs to collect anonymized usage data to improve the app.

MoneyKiss is not intended for users under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has provided us with personal information, we will delete it promptly. If you believe we may have collected information from a child under 13, please contact us immediately.

The Service may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to review the privacy policies of any third-party services you access.

Your information may be transferred to and processed in countries other than your own. These countries may have data protection laws that differ from your country. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable law.

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and, where appropriate, sending you an email notification. The date at the top of this page reflects the last revision.

Continued use of the Service after changes are posted constitutes your acceptance of the updated Privacy Policy.

If you have any questions about this Privacy Policy or our data practices, please contact us: