Privacy Policy for EasyMony

Last Updated: March 12, 2026

1. Introduction

Welcome to EasyMony ("we," "our," or "us"). We are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application EasyMony (the "App").

Please read this Privacy Policy carefully. By using the App, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy.

2. Information We Collect

2.1 Information You Provide

• Account Information: When you set up the App, you may provide your name and optionally a profile image.
• Financial Data: Transactions, accounts, budgets, categories, and other financial information you enter into the App.
• Authentication Data: If you enable Google Sign-In, we receive your Google account information (name, email, profile picture) as authorized by Google's permissions.
• Feedback: Any feedback or support requests you submit through the App.

2.2 Information Collected Automatically

• Device Information: Device model, operating system version, and app version for compatibility and support purposes.
• Usage Information: Basic usage statistics to improve app functionality (processed locally on your device).
• Location Data (Optional): If you choose to add location to transactions, this data is stored locally on your device only.

2.3 Sensitive Information

The App may collect and store sensitive personal information including:

• Financial account details and balances
• Transaction history and spending patterns
• Budget and savings goal information
• Biometric authentication data (fingerprint, face recognition) - stored securely on your device
• PIN codes for app access - encrypted and stored locally

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve the App's functionality
• Process and store your financial transactions and account information
• Enable budget tracking, scheduled payments, and financial insights
• Send you notifications about scheduled payments, budgets, and daily summaries (if enabled)
• Provide customer support and respond to your inquiries
• Protect against fraud and unauthorized access
• Comply with legal obligations

4. Data Storage and Security

4.1 Local-First Storage

Important: EasyMony uses a local-first architecture. Your financial data is stored locally on your device using WatermelonDB (SQLite database). We do not have access to your financial data on our servers.

4.2 Backup Options

• Google Drive Backup: If you enable Google Drive backup, your data is encrypted and stored in your personal Google Drive account. We do not have access to this backup data.
• Export/Import: You can export your data to a file and import it on another device. These files are stored locally on your device.

4.3 Security Measures

• Encryption: Sensitive configuration data is encrypted using AES-GCM encryption
• Secure Storage: Encryption keys and authentication tokens are stored in Expo SecureStore
• App Lock: Optional PIN and biometric authentication to protect app access
• Rate Limiting: Protection against brute-force authentication attempts

5. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share information in the following circumstances:

5.1 Service Providers

• Google Services: Google Sign-In for authentication and Google Drive for backup (if enabled)
• RevenueCat: For managing Pro subscription purchases and restores
• Feedback Service: If you submit feedback, it is sent via Resend email service

5.2 Legal Requirements

We may disclose information if required by law or in response to valid requests by public authorities (e.g., a court or government agency).

5.3 Business Transfers

In connection with any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company, user information may be transferred as part of the transaction.

6. Third-Party Services

The App integrates with the following third-party services, each with their own privacy policies:

• Google Sign-In: Google Privacy Policy
• Google Drive: Google Privacy Policy
• RevenueCat: RevenueCat Privacy Policy
• Expo: Expo Privacy Policy
• Resend (Feedback): Resend Privacy Policy

7. Children's Privacy

If we become aware that we have collected personal information from a child under 13 without parental consent, we will take steps to delete that information.

8. Your Rights and Choices

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

• Access: Request a copy of your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Data Portability: Export your data using the App's export feature
• Opt-Out: Disable notifications and backup features in App settings

To exercise these rights, please contact us at the email address provided below.

9. Data Retention

We retain your personal information for as long as necessary to provide the App's services and comply with legal obligations. You can delete all your data by:

• Uninstalling the App (local data will be removed)
• Using the App's clear data function (if available)
• Deleting your Google Drive backup manually from your Google Drive

10. International Data Transfers

If you use Google Drive backup, your data may be stored on Google's servers located in various countries. Google's infrastructure provides adequate safeguards for international data transfers.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

• Posting the new Privacy Policy in the App
• Updating the "Last Updated" date
• Providing in-app notification for significant changes

Your continued use of the App after any changes indicates your acceptance of the updated Privacy Policy.

12. Contact Us

13. Consent

By using EasyMony, you hereby consent to our Privacy Policy and agree to its terms.