Privacy Policy

1. About MoneyNest

MoneyNest is a personal finance management application designed to help users:

• Record income and expenses.
• Organize transactions by categories and tags.
• Track recurring income and expenses.
• View spending reports and financial summaries.
• Set reminders for recurring payments or expense tracking.
• Use voice input to quickly record expenses.
• Discover meal suggestions and cooking-related content.
• Manage preferences such as language and currency.

MoneyNest is intended for personal financial organization and does not provide banking, investment, tax, accounting, or professional financial advice.

2. Information We May Process

Depending on the features you use, MoneyNest may process the following information.

Financial Information

• Expense amounts
• Income amounts
• Transaction descriptions
• Expense and income categories
• Tags
• Recurring payments and recurring income
• Notes related to transactions

MoneyNest does not request or store your bank password, card PIN, online banking password, or banking authentication codes.

Voice Input

If you use voice input, MoneyNest may request access to your device microphone. Microphone access is used only when you actively use the voice feature. MoneyNest does not continuously record audio in the background.

Notification Information

If reminders are enabled, MoneyNest may send notifications such as:

• Daily expense reminders
• Recurring expense reminders
• Upcoming payment reminders
• Other reminders configured by you

Device and Technical Information

For app operation, security, diagnostics, or crash analysis, limited technical data may be processed, such as device type, operating system version, app version, language, region, crash information, and diagnostic information.

3. How We Use Information

Information processed by MoneyNest may be used to:

• Provide income and expense tracking features
• Generate financial summaries and reports
• Display spending statistics
• Manage categories, tags, and recurring transactions
• Provide personalized app settings
• Process voice-based expense entry
• Send reminders requested by the user
• Improve app stability and performance
• Diagnose technical issues
• Prevent misuse or security issues

We do not sell your personal information.

4. Personal Financial Data

Financial information entered into MoneyNest is provided directly by you. It is used only to help you organize and understand your personal finances.

MoneyNest is not a financial institution and does not access your bank account unless a future feature explicitly requires such access and you separately grant permission.

Any charts, reports, summaries, or recommendations generated by MoneyNest are for informational purposes only. You remain responsible for your own financial decisions.

5. Meal Suggestions and Cooking Content

MoneyNest may provide meal recommendations, recipes, ingredients, estimated prices, or cooking-related content for general informational purposes.

Ingredient prices, cooking times, and estimated costs may vary depending on location, store, season, market conditions, brand, and portion size.

MoneyNest does not guarantee that such information will always be completely accurate.

6. Data Storage

Depending on the version and features of MoneyNest, data may be stored:

• Locally on your device
• On servers operated by us or our service providers
• Through services provided by the mobile operating system

We take reasonable technical and organizational measures to protect information from unauthorized access, loss, misuse, alteration, or disclosure. However, no method of storage or transmission is completely secure.

7. Third-Party Services

MoneyNest may use third-party services for features such as:

• Crash reporting
• Analytics
• Push notifications
• Speech recognition
• Cloud infrastructure
• Application performance monitoring

These providers may process limited information in accordance with their own privacy policies. Examples may include Apple, Google, Firebase, and cloud infrastructure providers.

8. Permissions

Microphone

Used for voice-based expense entry.

Notifications

Used to send reminders and notifications selected by the user.

You can revoke permissions at any time through your device settings.

9. Data Sharing

We do not sell, rent, or trade personal information.

Information may be shared only when necessary:

• With service providers required to operate MoneyNest
• To protect app security
• To investigate fraud or abuse
• To comply with legal obligations or lawful requests
• To protect our legal rights or the safety of users

10. Data Retention

We retain information only as long as necessary to provide MoneyNest’s features, comply with legal obligations, resolve disputes, or protect the security of the service.

11. Data Deletion

You may delete individual financial records directly within MoneyNest where deletion functionality is available.

If you would like to request deletion of personal information stored on our servers, please contact us.

12. Children’s Privacy

MoneyNest is not specifically designed for children under the minimum age required by applicable law. We do not knowingly collect personal information from children without appropriate authorization.

13. Security

We use reasonable safeguards designed to protect information processed by MoneyNest.

Users are also responsible for:

• Protecting access to their device
• Using device security features such as passcodes, Face ID, or Touch ID
• Avoiding sharing sensitive information with unauthorized individuals

14. International Users

MoneyNest may be available in multiple countries and languages. Information may be processed in countries other than your country of residence depending on the infrastructure or service providers used by the app.

15. Changes to This Privacy Policy

We may update this Privacy Policy when new features are introduced, data practices change, third-party services change, or legal requirements change.

The updated version will be published with a revised “Last updated” date.

16. Contact Us