Privacy Policy for Mocy - Money Tracker

Effective Date: 20/10/2024

We at Mocy - Money Tracker ("we", "our", "us") are committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application, Mocy - Money Tracker (the "App"). Please read this policy carefully to understand our practices regarding your personal data and how we will treat it.

By using the App, you consent to the data practices described in this policy. If you do not agree with these practices, please discontinue the use of the App

1. Information We Collect

1.1 User Spending Information
We collect details about your spending habits to monitor your financial activities and, where appropriate, provide personalized advice. This includes, but is not limited to, amounts spent, transaction categories, and any metadata associated with your spending entries. Our goal is to help you track and understand your financial behavior, offering insights that may improve your financial management over time.

1.2 Audio Recordings and Photos of Bills
The App allows you to record audio and take photos of your bills or invoices to help automate the entry of spending transactions. These recordings and photos are processed using AI technologies to generate financial data, such as transaction amounts and categories. This ensures a smoother experience by reducing the manual input of transaction details.

1.3 Automatically Collected Information
When you interact with the App, we may automatically collect certain information about your device and usage. This includes device type, operating system, app version, and your IP address. This data helps us optimize the App’s performance and troubleshoot any issues that may arise.

2. How We Use Your Information

2.1 Personalization and Financial Advice
We use the information you provide to offer tailored services, including tracking your spending habits and providing financial insights or advice based on your data. The personalized experience ensures that the suggestions we offer align with your unique financial situation.

2.2 Transaction Generation via AI
Our App uses Gemine AI to analyze audio recordings and photos of your bills or receipts. This AI processes the data to automatically generate spending transactions, minimizing the need for manual input. This feature is designed to make financial tracking more efficient, accurate, and user-friendly.

2.3 Improving the App
We use aggregated, anonymized data to better understand how our users interact with the App. This helps us improve our services, optimize performance, and develop new features that enhance user experience.

3. Third-Party Services

3.1 Use of Third-Party Services
We partner with several third-party services to ensure the App operates smoothly and delivers its core functionality. These services may collect, store, or process personal data on our behalf. The primary third-party services we use include:

• Gemine AI: This service processes your audio recordings and bill images to automatically generate spending transactions. Gemine AI ensures that the data extracted from your inputs is accurate and correctly categorized.

• Firebase: We rely on Firebase, provided by Google, for secure cloud storage and real-time database services. Your personal and financial data is stored in Firebase Firestore, a cloud-based platform known for its robust security measures.

• Google Analytics: We use Google Analytics to monitor usage patterns, identify trends, and improve the App. This data helps us understand how users interact with Mocy, allowing us to make informed decisions about enhancements and new features.

• AdMob: To support the App’s development and maintenance, we display advertisements through Google’s AdMob platform. While AdMob may collect some non-personalized data to provide relevant ads, you can opt-out of personalized ads if you wish.

These third parties follow strict privacy and data protection policies. However, we encourage you to review their respective privacy policies to better understand how they handle your information.

4. User Consent and Data Control

4.1 Obtaining User Consent
We value your consent, and we make sure you are aware of the data collection processes before they occur. When you sign up for Mocy or use certain features (such as recording audio or taking photos), we request your permission to access specific data or device functionalities.

4.2 Managing and Deleting Your Data
You have full control over your data. You can manage your spending information, update transactions, or delete data directly from within the App. Should you wish to delete all your information, you can either do so via the App’s settings or contact us for assistance. Once deleted, your data will be permanently removed from our systems.

4.3 Opting Out
You have the right to opt-out of certain data collection features, such as personalized ads or usage analytics, at any time. However, opting out may affect certain functionalities or the personalized experience that Mocy offers.

5. Data Security

5.1 Protection of Personal Data
We take the security of your personal data very seriously. Although we do not encrypt data during transmission, we ensure that it is protected by secure communication channels provided by Google’s Firebase services. The data stored in Firebase Firestore is kept in secure, cloud-based storage, and we implement access controls to protect it from unauthorized access.

5.2 Security Measures
In addition to relying on Firebase’s secure platform, we also use internal policies and procedures to protect your data. Access to personal data is restricted to authorized personnel only, and we continually review our security measures to stay up to date with industry standards.

6. Data Retention

We retain your personal and financial data indefinitely, allowing you to maintain a comprehensive record of your financial activities. However, if you wish to delete your data, you may do so at any time either within the App or by contacting us directly. Once we receive a request for deletion, we will ensure that all your data is permanently removed from our systems.

7. Children’s Privacy

Mocy - Money Tracker is not specifically directed towards children, and there are no minimum age requirements to use the App. However, we advise parents and guardians to monitor their children’s use of the App to ensure it aligns with their expectations for data privacy and security.

8. User Rights and Data Management

8.1 Access and Control of Data
We respect your rights to access, update, or delete your personal data at any time. You can manage these actions through the App's settings or by contacting us directly. We ensure that these requests are handled promptly and with the utmost respect for your privacy.

8.2 Revoking Consent
If at any point you wish to revoke consent for any data collection or processing activities, you can do so within the App. Once revoked, the relevant features or services will be disabled, though this may limit the functionality of certain parts of the App.

9. Changes to this Privacy Policy

We reserve the right to update this privacy policy from time to time to reflect changes in our practices, technologies, or legal obligations. Should any significant changes occur, you will be notified via an in-app notification. Your continued use of the App after such notifications indicates acceptance of the revised policy.

10. Request Account Deletion:

1. Contact Our Support Team
   To initiate the account deletion process, please contact us directly via our official Facebook page: Support Page.

2. Provide Necessary Information
   Include the following details in your message:

   • The email address associated with your account.

   • Your username or registered name.

   • A brief reason for your request (optional, but helps us improve).

3. Confirmation of Deletion
   Once we receive your request, our team will verify the provided information and confirm your request. This process typically takes 3–5 business days.

4. Account Deletion Timeline
   After confirmation, your account and associated data will be permanently deleted from our system within 30 days. Please note that this action is irreversible.

11. Contact Information

If you have any questions, concerns, or requests regarding this privacy policy or your data, please reach out to us at: mocycontact@gmail.com