Privacy Policy

1. Introduction

Your privacy is important to us. This Privacy Policy explains how My Money ("we", "our" or "app") collects, uses, shares and protects your personal information when you use our personal financial management service.

By using My Money, you agree to the collection and use of information in accordance with this policy. If you do not agree with any part of this policy, do not use our service.

2. Information We Collect

2.1 Information Provided by You

• Registration Data: name, email, password (encrypted)
• Financial Data: transactions, categories, bank accounts, balances, expenses and income
• Preferences: language, theme, currency, notification settings
• Payment Information: premium subscription data (processed by third parties)

2.2 Automatically Collected Information

• Usage Data: pages visited, features used, time spent
• Technical Data: IP address, browser type, operating system, device
• Cookies: we use cookies to improve your experience (see section 5)

2.3 Third-Party Information

• Social Login: if you use Google or other providers, we collect name, email and profile picture
• Payment Data: payment transaction information (via Stripe)

3. How We Use Your Information

We use your information to:

• Provide and maintain the financial management service
• Process your transactions and manage your account
• Personalize your experience in the app
• Generate personalized financial reports and analysis
• Send important notifications about the service
• Process premium subscription payments
• Improve our service through usage analysis
• Detect, prevent and resolve technical issues
• Comply with legal and regulatory obligations
• Communicate updates, news and offers (with your consent)

4. Information Sharing

We DO NOT sell your personal information. We share data only in the following situations:

• Service Providers: companies that help us operate the service (hosting, payments, analytics)
• Legal Compliance: when required by law, court order or regulation
• Rights Protection: to protect rights, property or safety of My Money and users
• Business Transactions: in case of merger, acquisition or asset sale
• With Your Consent: in other cases, with your explicit authorization

Third-Party Partners

• Supabase: data storage and authentication
• Vercel: app hosting
• Stripe: payment processing
• Google AdSense: ad display (FREE plan)
• Google Analytics: app usage analysis

5. Cookies and Similar Technologies

We use cookies and similar technologies to improve your experience:

• Essential Cookies: necessary for basic functionality (authentication, preferences)
• Performance Cookies: help understand how you use the app
• Advertising Cookies: personalize ads (FREE plan)

You can configure your browser to refuse cookies, but this may affect service functionality.

6. Data Security

We take the security of your data very seriously and implement technical and organizational measures:

• Encryption: HTTPS/TLS for data transmission
• Passwords: stored with bcrypt hash
• Authentication: secure tokens and protected sessions
• Access Control: Row Level Security (RLS) in database
• Backups: regular and secure data backups
• Monitoring: detection of suspicious activities

Despite our efforts, no internet transmission method is 100% secure. We cannot guarantee absolute security.

7. Your Rights (GDPR/LGPD)

In accordance with data protection laws (GDPR/LGPD), you have the right to:

• Access: know what data we have about you
• Correction: correct incorrect or outdated data
• Deletion: request deletion of your data
• Portability: receive your data in structured format
• Revocation: withdraw consent at any time
• Information: know who we share your data with
• Opposition: oppose the processing of your data

To exercise your rights, send email to: privacy@mymoneyapp.com

8. Data Retention

We keep your personal data for the time necessary to:

• Provide the service while your account is active
• Comply with legal and regulatory obligations
• Resolve disputes and enforce agreements

When you delete your account, your data will be permanently removed within 30 days, except when required by law.

9. Use by Minors

Our service can be used by people of any age. However, we recommend that minors under 18 use the service under the supervision of parents or legal guardians.

If you are a parent or legal guardian and have any concerns about a minor's use of the service, contact us.

10. International Data Transfer

Your data may be transferred and stored on servers located outside your country. We ensure that these transfers are carried out with appropriate security measures and in compliance with applicable laws.

11. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by:

• Email to your registered address
• Notification in the app
• Update of the "Last updated" date at the top of this page

We recommend reviewing this policy periodically.

12. Contact

If you have questions about this Privacy Policy or the processing of your data, contact:

13. Consent

By using My Money, you agree to this Privacy Policy and authorize the processing of your personal data as described. You can withdraw your consent at any time by deleting your account or contacting us.