MaMoney Privacy Policy

1. Summary

• MaMoney has no accounts. We run no server that stores your transactions, balances, or receipt photos.
• We never collect your financial data. It lives in the app's private storage on your device.
• Two Google services run in the app: ads (AdMob) and optional crash reports (Firebase Crashlytics). Both are described below.
• We do not sell personal data.

2. Data stored on your device

The app stores the following locally, and only you hold it:

• the transactions, wallets, starting balances, categories, budget, and payday you enter;
• receipt photos you scan, kept in the app's private storage;
• preferences such as theme, Home layout, and onboarding state.

3. Receipt scanning

The total, date, and merchant are read on your phone with Google's ML Kit. Receipt images are not sent to us or to any server to be read. The document scanner does not need a camera permission from the app.

4. Backups

You can export a backup to a file. It is encrypted with a passphrase you choose. We do not store the passphrase and cannot recover it, so if you lose it the backup cannot be opened. You decide where the file is saved.

5. Crash reports (optional)

Crash reports are off by default and only run if you switch them on in the Akun menu. When on, Firebase Crashlytics (Google) receives crash traces, device model, Android version, and a Firebase installation ID. Reports contain no amounts, notes, or receipt contents. You can switch them off at any time.

6. Ads

MaMoney shows ads (native ads and optional rewarded ads) through Google AdMob. To do that, Google may process the advertising ID, IP address, device information, and ad interactions under Google's policies. Where required, we ask for your consent through Google's User Messaging Platform form before any ad is requested, and you can change that choice later.

You can reset or delete your advertising ID in Android settings (Google > Ads). Ads never use your transactions or balances, because that data never leaves your device.

The one-time “Hapus iklan” (remove ads) purchase removes ads from the app.

7. Purchases

Payments are handled by Google Play Billing. We only receive the purchase status (purchased or not), never card or account details.

8. Android permissions

• INTERNET and ACCESS_NETWORK_STATE: for ads, purchases, and optional crash reports.
• POST_NOTIFICATIONS: for reminders and notifications you turn on.

9. Third parties

Data is processed only by the Google services named above (AdMob, UMP, Firebase Crashlytics, Google Play, ML Kit), each for its own function. We do not share personal data with anyone else and we do not sell it. Google's privacy policy applies to those services: policies.google.com/privacy.

10. Retention and deletion

On-device data is deleted when you clear the app's data or uninstall MaMoney. Google keeps crash reports for a limited time (currently 90 days). To request deletion of crash data tied to your device, email support@mamoney.kance.in. Full steps are on the Support page.

11. Children

MaMoney is meant for users aged 18 and over. We do not knowingly collect children's data.

12. Your rights

Under Indonesia's Personal Data Protection Law (Law No. 27 of 2022) you may access, correct, and ask for deletion of your personal data, and withdraw consent. Because your financial data exists only on your device, you control it directly. For data processed by Google, use your Google account settings or contact us.

13. Changes to this policy

If this policy changes we update the date above and tell you in the app when the change is material.

14. Contact

Privacy questions: support@mamoney.kance.in.