Privacy Policy

1. Introduction

Welcome to MoneyTrackerPro. We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about our policy, or our practices with regards to your personal information, please contact us at [email protected].

When you visit our website and use our services, you trust us with your personal information. We take your privacy very seriously. In this privacy notice, we describe our privacy policy. We seek to explain to you in the clearest way possible what information we collect, how we use it, and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. If there are any terms in this privacy policy that you do not agree with, please discontinue use of our Sites and our services.

2. Information We Collect

3. How We Use Your Information

We use personal information collected via our Services for a variety of business purposes described below. We process your personal information based on legitimate business interests, contract performance, your consent, and/or legal obligations.

Importantly, MoneyTrackerPro does not use your personal or financial data in third-party closed AI platforms. Instead, we rely solely on open-source, locally hosted AI models, ensuring that your sensitive information remains fully under our control and outside the reach of proprietary external providers.

Please note: While AI-powered features such as categorization or insights are supported by local models, data processing itself may not always happen directly on your device. However, your data is never sent to remote, closed, third-party AI services for processing.

We use the information we collect or receive to:

• Facilitate account creation and logon process
• Send administrative communications
• Protect our Services (e.g., fraud monitoring, abuse detection)
• Enforce our terms, policies, and legal agreements
• Respond to legal inquiries and mitigate harm
• Manage and personalize user accounts
• Deliver and improve services
• Support user inquiries
• Analyze data, usage trends, and improve performance and experience

AI-driven functionalities in particular are powered by local, open-source models—we do not use APIs from closed platforms (e.g., OpenAI, Google, or Anthropic) for processing your personal financial data.

4. Will Your Information Be Shared With Anyone?

We only share information with your consent, to comply with laws, to provide you with services, or to protect your rights.

MoneyTrackerPro does not share your personal data with AI model providers. We do not use closed-source cloud AI tools for any processing involving your financial data.

In limited cases, we may share necessary data with:

• Service providers: for payment processing, customer support, infrastructure, or analytics (non-AI-related only)
• Legal authorities: where required by law or regulation
• Business transitions: during mergers or acquisitions, with appropriate safeguards

Your financial and personal data stays within our infrastructure and is never used to train or enhance third-party models.

5. How Long Do We Keep Your Information?

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). No purpose in this policy will require us keeping your personal information for longer than the period of time in which users have an account with us.

6. How Do We Keep Your Information Safe?

We are committed to protecting your data through a combination of technical, organizational, and architectural measures.

For AI-powered features and financial analysis:

• We use only self-hosted, open-source AI models
• Your data is never sent to third-party AI APIs or cloud-based black-box services
• When feasible, sensitive financial data is processed in a privacy-enhancing local manner
• All transmissions are encrypted, and data at rest is stored securely using industry standards

We continually monitor and update our systems to prevent unauthorized access or misuse. That said, as with any digital service, absolute security can’t be guaranteed, and we recommend using secure networks when accessing the app.

7. What Are Your Privacy Rights?

In some regions (like the European Economic Area and the UK), you have certain rights under applicable data protection laws. These may include the right (i) to request access and obtain a copy of your personal information, (ii) to request rectification or erasure; (iii) to restrict the processing of your personal information; and (iv) if applicable, to data portability. In certain circumstances, you may also have the right to object to the processing of your personal information. To make such a request, please use the contact details provided below.

8. Updates To This Policy

We may update this privacy policy from time to time. The updated version will be indicated by an updated "Revised" date and the updated version will be effective as soon as it is accessible. We encourage you to review this privacy policy frequently to be informed of how we are protecting your information.

9. How Can You Contact Us About This Policy?

If you have questions or comments about this policy, you may email us at [email protected]

Last Updated: May 25, 2025