Privacy Policy

Last Updated: August 29, 2025

This Privacy Policy explains how DearMoney handles your data. The app is designed as an offline-first tool, meaning your financial records stay on your device unless you explicitly back them up to cloud storage.

1. Data We Collect

Account Information: Optional email or app store account data for purchases and cloud sync.
Financial Data: Transactions, categories, multi-wallet balances, goals, budgets, recurring bills, and schedules.
Cloud Backup: Optional backups stored securely in Firebase linked to your account.
Device Information: Crash logs, OS version, and language settings for troubleshooting.

2. How We Use Your Data

To provide core features: transaction tracking, budgeting, goals, reporting, and forecasting.
To enable cloud backup/restore if you choose to use it.
To process premium subscription purchases via Google Play/App Store.
To improve app stability and troubleshoot issues.

3. Offline-First Approach

DearMoney does not send your financial data to any third-party server for analytics or AI processing. Reports and calculations are generated locally on your device.

4. Third-Party Services

Firebase: Used for authentication, encrypted backup/restore, and error reporting.
App Stores: Google Play/App Store handle all payment processing and subscriptions.

5. Security

Data is encrypted on-device. PIN and biometric authentication are supported.
We do not access your data unless you voluntarily share it for support purposes.

6. Your Rights

You can delete your account and backups anytime by contacting support.
You can export all financial data (PDF, Excel, CSV) at any time.
You can opt out of cloud features and keep everything offline.

7. Data Retention

All data stays on your device unless you back it up. Cloud backups can be deleted permanently upon request.

8. Children’s Privacy

DearMoney is intended for users 13+ years of age. We do not knowingly collect data from children.

9. Compliance

We comply with applicable privacy regulations, including GDPR (for EU users) and Indonesian law.

10. Changes

We may update this Privacy Policy periodically. We will notify users of significant changes via app updates.

11. Contact

📧 support@dearmoneyapp.id
📍 Indonesia

⚠️ Disclaimer: DearMoney is strictly a financial record-keeping app. We do not provide investment, banking, or medical services. For professional advice, please consult a certified advisor.