Your Privacy is Our Priority. Mindful Money is committed to protecting your privacy and ensuring the security of your personal financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI-powered expense tracking application.
1
Information We Collect
Mindful Money collects different types of information to provide and improve our financial management services:
1.1 Information You Provide
- Account Information: Email address and display name used to create your account
- Transaction Data: Expense records, amounts, categories, dates, and notes you manually enter
- Receipt Images: Photos of receipts you scan using the AI receipt scanning feature (processed locally where possible)
- Financial Categories: Custom spending categories and budget goals you set
- Feedback and Support: Messages and support requests you send to us
1.2 Information Collected Automatically
- Device Information: Device type, operating system version, unique device identifiers
- Usage Data: Features used, app interactions, and session duration
- Crash Reports: Diagnostic information when the app crashes or encounters errors
- Analytics: Anonymous usage statistics to improve app performance
1.3 Camera and Photo Library Access
- Camera: Required for scanning physical receipts using our AI technology
- Photo Library: Optional access to scan receipts from existing images in your gallery
Important: Receipt images are processed using on-device ML models where possible. Images are not uploaded to our servers without your explicit consent.
2
How We Use Your Information
We use the collected information for the following purposes:
- Core Functionality: Record, categorize, and display your financial transactions
- AI Receipt Scanning: Extract transaction data automatically from scanned receipts
- Financial Insights: Generate charts and summaries to visualize your spending habits
- Cloud Synchronization: Securely sync your data across all your devices
- Personalization: Customize the experience based on your spending patterns
- Performance Optimization: Improve AI accuracy and app performance
- Bug Fixes: Identify and resolve technical issues
- Security: Protect your account with biometric and encryption-based security
- Customer Support: Respond to your questions and provide assistance
No Selling of Data: We will never sell your personal financial information or transaction history to third parties.
3
Data Storage and Security
3.1 Local Storage
Your financial data is primarily stored locally on your device using SQLite:
- Transaction History: Stored locally by default for offline access
- Receipt Images: Kept on your device
- Settings and Preferences: Stored locally
- Categories and Budgets: Maintained on your device
Your financial data remains private and under your control, even without internet access.
3.2 Cloud Sync (Firebase)
When you sign in and enable cloud sync:
- Your transaction data is synced securely to Firebase Firestore
- Data is encrypted during transmission using SSL/TLS
- You can disable cloud sync at any time from settings
- You can delete all cloud data from your account settings
- Sync triggers automatically on login and for every data write
3.3 Biometric Security
- Local Authentication: Face ID / Touch ID protects access to the app
- Biometric data never leaves your device
- We rely on your device's secure enclave for biometric verification
3.4 Security Measures
- Encryption: All data transmitted to our servers uses SSL/TLS encryption
- Secure Storage: Cloud data is encrypted at rest using industry-standard algorithms
- Access Controls: Strict access controls limit who can view your data
- Firebase Auth: Secure authentication using Firebase Authentication
- No Third-Party Access: We do not share your financial history with third parties
4
AI Receipt Scanning Privacy
Mindful Money uses advanced AI (ML Kit and LayoutLMv3) for receipt scanning:
- On-Device Processing: Receipt scanning uses on-device ML models where possible
- No Image Uploads: Receipt photos are not sent to external servers without your consent
- Data Extraction Only: Only the extracted text data (merchant, amount, date) is saved as a transaction
- Manual Review: You can always review and edit extracted data before saving
User Control: You have full control over whether to save, edit, or discard any scanned receipt data.
5
Third-Party Services
Mindful Money integrates with the following third-party services:
5.1 Firebase (Google)
- Firebase Authentication: Secure sign-in and account management
- Cloud Firestore: Optional cloud backup for your transaction data
- Firebase Analytics: Anonymous usage statistics and crash reporting
- Subject to Google's Privacy Policy
5.2 ML Kit (Google)
- On-device text recognition for receipt scanning
- Processing occurs locally on your device
- No data is sent to Google ML Kit servers
6
Your Rights and Choices
You have full control over your financial data:
6.1 Access and Export
- View all your transaction history within the app
- Filter and search transactions by date, category, or amount
- Request a copy of all data we hold about you
6.2 Edit and Delete Data
- Edit individual transaction entries at any time
- Delete individual transactions or clear all history
- Delete your account and all associated cloud data
- Uninstalling the app deletes all local data
6.3 Privacy Settings
- Enable/disable cloud sync
- Enable/disable biometric authentication
- Opt out of analytics and crash reporting
- Manage camera and photo library access via device settings
- Switch app language (English / Vietnamese)
7
Data Retention
- Local Data: Retained on your device until you delete it or uninstall the app
- Cloud Data: Retained while your account is active
- Deleted Accounts: All cloud data is deleted within 30 days of account deletion
- Analytics Data: Anonymous analytics data may be retained up to 26 months
- Support Communications: Kept for up to 2 years for quality assurance
8
Children's Privacy
Mindful Money is not directed at children under 13. We do not knowingly collect personal information from children under 13 (or 16 in Europe) without parental consent.
- An account with a valid email address is required for cloud features
- No financial information is required for offline-only use
For Parents: If your child has provided personal information without consent, please contact us immediately and we will delete it.
9
International Users and Data Transfers
Mindful Money is available worldwide. Your information may be transferred to and processed in countries other than your country of residence.
GDPR Compliance (European Users)
If you are in the European Economic Area, you have additional rights:
- Right to access your personal data
- Right to rectification of inaccurate data
- Right to erasure ("right to be forgotten")
- Right to restrict processing
- Right to data portability
- Right to object to processing
- Right to withdraw consent
- Right to lodge a complaint with a supervisory authority
CCPA Compliance (California Users)
California residents have specific rights under CCPA:
- Right to know what information is collected
- Right to know if information is sold or disclosed
- Right to opt-out of sale (we do not sell data)
- Right to deletion
- Right to non-discrimination
10
Changes to This Privacy Policy
We may update this Privacy Policy from time to time:
- Material changes will be notified through the app or via email
- The "Last Updated" date will always reflect the most recent changes
- Continued use of the app after changes constitutes acceptance
- Previous versions are available upon request
