This Privacy Policy describes how MoneyMate (“the App”) handles information when you use it. By using the App, you agree to this policy. If you do not agree, please do not use the App.
1. Summary
MoneyMate is designed to help you track personal income and expenses. It works primarily on your device. It may read SMS messages that appear to be bank or payment notifications so it can suggest transactions, and it may show advertisements through Google’s ad network. We do not sell your personal data.
2. Information the App accesses or processes
2.1 SMS (sensitive permission)
With your permission, the App may:
- Read SMS stored on your device (READ_SMS), and
- Receive new SMS notifications (RECEIVE_SMS) so it can react to incoming messages,
only to detect and parse messages that look like financial transactions (for example debits, credits, UPI, or transfers), in order to build your transaction history inside the App.
We do not upload your full SMS inbox to our servers. Processing described in this policy is intended to occur locally on your device, except where third-party services (such as ads) apply as described below.
You can deny SMS permission; the App may not be able to offer automatic transaction detection from SMS.
2.2 Data you generate in the App
The App may store locally on your device, for example:
- Parsed or manually entered transactions (amounts, categories, notes, dates),
- App settings and preferences (e.g. onboarding, notification choices),
- Sync or processing checkpoints related to SMS scanning (so the App does not reprocess everything from scratch each time).
This data stays on the device unless you use a feature that explicitly exports or shares data (for example sharing a report or file), in which case you choose where that copy goes.
2.3 Device and technical data
Like most apps, the App may process:
- Device and app identifiers needed for ads, crash analytics, or Play services (depending on what is integrated),
- Network state to know if the device is online (for ads and optional updates).
2.4 Advertising
The App may use Google Mobile Ads (AdMob) or similar Google services to show ads (for example app open, interstitial, or native ads). Google may collect and use data according to its own policies, including for advertising and measurement.
- Google’s Privacy & Terms: https://policies.google.com/privacy
- How Google uses data from apps that use its services: https://policies.google.com/technologies/partner-sites
You can adjust ad personalization where your device or Google account settings allow (e.g. Android ad settings, Google account ad settings).
2.5 Notifications
If you enable notifications, the App may send local or push-style reminders (for example summaries or sync-related messages) according to your settings and Android permissions (POST_NOTIFICATIONS where required).
3. How we use this information
We use the information above to:
- Provide expense tracking, categorization, and insights based on your data and SMS parsing;
- Improve reliability of parsing and app behavior;
- Show advertisements where applicable;
- Comply with legal obligations if required.
We do not use your SMS content to train a public model or to sell message contents to third parties.
4. Legal bases (where applicable, e.g. EEA / UK)
If GDPR or similar laws apply, we rely on:
- Your consent (for example granting SMS or notification permissions, or ad-related processing as configured by Google and your device); and/or
- Legitimate interests in operating and securing the App, where those interests are not overridden by your rights.
5. Data retention and deletion
- Data stored only on your device remains until you delete it in the App (for example “delete all transactions”) or uninstall the App.
- Uninstalling the App typically removes local app data from your device, subject to how your phone manufacturer handles app data.
- We do not control backups on your device (for example Google’s backup of app data); refer to your device settings.
6. Children’s privacy
The App is not intended for children under 18 (or the minimum age required in your country). We do not knowingly collect personal information from children. If you believe we have, contact us and we will take appropriate steps.
7. International transfers
If you use the App outside your country, information may be processed in the country where you use the device and, for ads or Google services, according to Google’s infrastructure and policies.
8. Security
We design the App to process sensitive data on-device where possible. No method of storage or transmission is 100% secure; you use the App at your own risk and should protect your device with a screen lock and current OS updates.
9. Third-party services
The App may rely on services including but not limited to:
- Google Play Services and Google Mobile Ads (AdMob)
- Android system components (SMS, notifications, storage)
Each provider has its own privacy policy. We are not responsible for their practices.
10. Your rights
Depending on where you live, you may have rights to access, correct, delete, restrict, or object to certain processing, or to withdraw consent. Because most financial data is stored locally, you can often exercise these rights by using in-app delete features or uninstalling the App.
For requests directed at us, contact: codecodestudio@gmail.com.
11. Changes to this policy
We may update this Privacy Policy from time to time. We will post the new “Last updated” date at the top. Continued use of the App after changes means you accept the updated policy, unless applicable law requires a different process.
12. Contact
CodeCove Studio
Email: codecodestudio@gmail.com