Last updated: January 2026

Privacy Policy

Overview

MoneyTalks ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our mobile application.

Information We Collect

Information You Provide

  • Financial data you enter (transactions, budgets, goals)
  • Account information if you choose to create an account (email, Apple ID, Google)
  • App preferences and settings

Information Collected Automatically

  • Device type and operating system version
  • App version and usage patterns (screens viewed, features used)
  • Crash reports and error logs
  • Anonymous identifiers for analytics

Information We Don't Collect

  • Bank account credentials or access
  • Credit card numbers
  • Social security numbers
  • Location data
  • Your actual financial transaction amounts or descriptions in analytics

How We Use Your Information

We use your information to:

  • Provide and improve our services
  • Sync your data across devices (if you opt in)
  • Send important app updates and notifications

Data Storage and Security

Your financial data is stored locally on your device by default. If you choose to enable cloud sync, your data is encrypted in transit and at rest using industry-standard encryption.

Analytics and Diagnostics

We use the following services to improve the app:

  • Amplitude - for anonymous usage analytics (which screens you visit, features you use)
  • Sentry - for crash reporting and error tracking

Your financial data (transaction amounts, descriptions, budget details) is never sent to these services. Only anonymous usage patterns and technical diagnostics are collected.

You can opt out of analytics and error reporting in your device's Settings app under MoneyTalks.

Third-Party Services

We do not sell, trade, or rent your personal information to third parties. We use the following services:

  • Amplitude (analytics) - Privacy Policy
  • Sentry (error reporting) - Privacy Policy
  • Sign in with Apple/Google (authentication) - subject to Apple/Google privacy policies

Data Retention

We retain your data for as long as your account is active. If you delete your account, all associated data is permanently removed from our servers within 30 days. Analytics data is retained in aggregated, anonymized form.

International Data Transfers

Your data may be processed on servers located in the United States (for cloud sync, analytics, and crash reporting). By using the app, you consent to this transfer. We ensure appropriate safeguards are in place for international data transfers.

Your Rights

You have the right to:

  • Access your personal data
  • Delete your account and all associated data
  • Export your data
  • Opt out of cloud sync

Children's Privacy

MoneyTalks is not intended for children under 13. We do not knowingly collect personal information from children under 13.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

Contact Us

If you have any questions about this Privacy Policy, please contact us at: support@money-talks.app