Privacy Policy

LoveMyMoney

Effective Date: May 31, 2026

This Privacy Policy describes how LoveMyMoney ("the App", "we", "our", or "us") handles user information. Your privacy is important to us, and we are committed to protecting it.

1. Information We Collect

LoveMyMoney is designed to help users manage personal finances securely. The app may store financial information locally on your device such as:

• Income and expense records
• Budgets and categories
• Recurring transactions
• Event-related expense data
• User preferences such as themes and language settings

This information is primarily stored locally on your device unless you choose to use optional online or cloud-based features in the future.

2. Permissions Used by the App

LoveMyMoney requests certain permissions strictly to provide core app functionality. Permissions are only used for their stated purposes and are never used to sell user data.

Internet Access

• android.permission.INTERNET

Used for features that require internet connectivity such as:

• AI Assistant functionality

Network & Wi-Fi State

• android.permission.ACCESS_NETWORK_STATE
• android.permission.ACCESS_WIFI_STATE

Used to detect internet connectivity and optimize app behavior based on network availability.

SMS Permissions (India Only)

• android.permission.READ_SMS

LoveMyMoney may optionally read transactional SMS messages from supported Indian banks in order to automatically detect and add financial transactions.

The app:

• Only processes transactional financial SMS messages
• Does not read personal conversations
• Does not share SMS data with third parties
• Processes SMS data locally on the device whenever possible

SMS permissions are optional and can be disabled at any time from device settings.

Notification Permission

• android.permission.POST_NOTIFICATIONS

Used to send:

• Budget alerts
• Recurring transaction reminders
• Bill reminders
• Important finance-related notifications

Exact Alarm Permission

• android.permission.SCHEDULE_EXACT_ALARM

Used to schedule precise reminders and recurring notifications for recurring transactions, bills, subscriptions, and budget alerts.

Biometric & Fingerprint Authentication

• android.permission.USE_BIOMETRIC
• android.permission.USE_FINGERPRINT

Used to secure the app using fingerprint or biometric authentication through the App Lock feature.

Biometric information is handled securely by the Android operating system and is never collected, stored, or transmitted by LoveMyMoney.

Storage Permissions

• android.permission.READ_EXTERNAL_STORAGE
• android.permission.WRITE_EXTERNAL_STORAGE

Used for features such as:

• Exporting reports
• Creating backups
• Importing data
• Saving generated files locally on the device

Storage permissions are only used when required and supported by your Android version.

Telephony Hardware Feature

• android.hardware.telephony

This optional hardware feature is used only for SMS-based transaction detection on supported devices. The app can still function normally on devices without telephony support.

3. How We Use Information

The information stored within LoveMyMoney is used solely to provide app functionality including:

• Tracking income and expenses
• Managing budgets
• Generating reports and summaries
• Managing recurring transactions
• Tracking event expenses
• Providing AI-powered assistance and insights
• Customizing themes and language preferences

4. AI Assistant

LoveMyMoney may include AI-powered assistant features to help users better understand and manage finances. AI-generated responses are provided for informational purposes only and should not be considered professional financial advice.

If cloud-based AI services are used, only the minimum required information necessary to generate responses may be processed securely. We do not sell personal financial data.

5. Data Sharing & Third-Party Services

LoveMyMoney does not sell user data.

The app may use trusted third-party services for:

• Crash reporting
• Analytics
• Cloud backup or synchronization (if enabled)
• AI-powered services

These services may process limited technical information necessary for app functionality and performance improvements.

6. Data Security

We take reasonable measures to protect your financial information and records. Features such as App Lock and device-level security can help protect access to your data.

However, no electronic storage or transmission method is completely secure.

7. Children's Privacy

LoveMyMoney is not directed toward children under the age of 13. We do not knowingly collect personal information from children.

8. GDPR Privacy Rights (European Economic Area)

If you are located in the European Economic Area (EEA), you may have rights under the General Data Protection Regulation (GDPR), including:

• The right to access personal data
• The right to correct inaccurate data
• The right to request deletion of data
• The right to restrict or object to processing
• The right to data portability

You may contact us regarding privacy-related concerns.

9. CCPA / CPRA Privacy Rights (California Residents)

Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), California residents may have rights regarding their personal information.

• Request access to collected personal information
• Request deletion of personal information
• Request correction of inaccurate information
• Opt out of data selling or sharing

LoveMyMoney does not sell personal information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any updates will be posted on this page with a revised effective date.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us:

Email: hello99apps@outlook.com