Privacy Policy

We are committed to protecting your financial data and privacy while using XMoney - All Your Money Moves.

Last updated: January 15, 2025

1Information We Collect

Financial Data (Stored Locally)

• Expense and income transactions
• Budget categories and limits
• Financial goals and targets
• Payment methods and account names
• Custom notes and descriptions

Technical Information

• Device type and operating system version
• App version and performance metrics
• Crash reports and error logs
• Usage analytics (anonymized)

Important: Your financial data is stored locally on your device and is not transmitted to our servers unless you explicitly choose to use backup features.

2How We Use Your Information

We use your information to:

Provide core expense tracking and budget management functionality
Generate financial insights and analytics for your personal use
Improve app performance and fix technical issues
Develop new features based on user feedback
Ensure security and prevent unauthorized access

Data Processing Principle:

We follow the principle of data minimization - we only collect and process information that is necessary to provide XMoney's functionality.

3Data Storage and Security

Local Storage

• Data stored on your device
• Encrypted local database
• No cloud synchronization by default
• Full user control over data

Security Measures

• Industry-standard encryption
• Secure coding practices
• Regular security audits
• Biometric protection support

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

4Third-Party Services

XMoney may integrate with the following third-party services:

App Store Services

• In-app purchases
• Subscription management
• App distribution

Analytics Services

• Crash reporting
• Performance monitoring
• Usage statistics (anonymized)

Third-Party Privacy:

These services have their own privacy policies. We encourage you to review their privacy practices when using their services through our app.

5Data Sharing and Disclosure

Our Commitment:

We do not sell, rent, or share your personal financial information with third parties for marketing purposes.

We may disclose your information only in the following circumstances:

With your explicit consent
To comply with legal obligations or court orders
To protect our rights and prevent fraud
In connection with a business transfer (with notification)
For technical support (with anonymized data)

6Your Rights and Choices

Data Control

• Access your financial data
• Modify or delete entries
• Export data for backup
• Complete app deletion

Privacy Settings

• Enable/disable analytics
• Control crash reporting
• Manage backup preferences
• Biometric lock settings

You have full control over your financial data. You can modify privacy settings, export your data, or completely remove the app and all associated data at any time.

7Children's Privacy

XMoney is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13.

If you are a parent and believe your child has provided personal information to us, please contact us immediately so we can delete such information.

8International Data Transfers

Since your financial data is stored locally on your device, there are no international data transfers of your personal financial information.

Anonymous usage analytics may be processed in different countries, but these do not contain personally identifiable information.

9Data Retention

Your financial data is retained locally on your device until you choose to delete it or uninstall the app. We do not have access to this data unless you explicitly share it with us.