What happens to your data.

The rest of this page is the full policy. Where the two appear to conflict, the full policy governs.

1. Who we are

Moneymz is operated by [LEGAL ENTITY NAME], [ENTITY TYPE — e.g. a private limited company incorporated in India], registered at [REGISTERED ADDRESS], [CIN / REGISTRATION NUMBER]. In this policy, "we", "us" and "Moneymz" refer to that entity. "You" refers to the person using the service.

This policy applies to the Moneymz web application at app.moneymz.com and to this website.

2. What we collect

Category	What it is	Why
Account information	Your name, email address and profile photo, received from Google when you sign in.	To create and identify your account.
Financial information	Transactions, categories, budgets, payment method labels and any notes you add — whether uploaded, pasted, forwarded or typed in.	To provide the service. This is the service.
Documents you provide	Bank and card statements you upload, and emails you forward to your Moneymz address.	To extract the transactions inside them.
Preferences	Hidden categories, merchant category choices, review-time settings.	So the app behaves the way you set it up.
Technical information	Error logs and anonymous usage events. No personal financial detail is recorded in logs.	To keep the service working.

We do not collect your bank login credentials, your SMS messages, your contacts, your location, or your device's files beyond what you explicitly upload.

3. How AI is used

When you provide a statement or transaction text, its contents are sent to a third-party AI service to identify the individual transactions within it. This is the only place AI is used, and it is used only for that purpose.

We state this plainly because the alternative — implying your data never reaches an external system — would not be true. What we can tell you is:

• Your data is not retained by that service for training.
• Categorisation, budgets, totals and insights are computed by us, without AI.
• We do not use your data to train any model of our own.

Our current AI processor is [NAME OF PROVIDER]. If we change providers, this page will be updated.

4. Legal basis and consent

We process your personal data on the basis of the consent you give when you create an account and when you provide each document. You may withdraw consent at any time by deleting your data and closing your account, as described in section 8. Withdrawing consent does not affect processing already carried out.

5. Where your data is stored

Your account and financial data is stored in Google Firebase's Mumbai region (asia-south1), in India. Some technical services we rely on — hosting, error reporting and AI processing — may process data outside India. We use providers that offer appropriate contractual protections.

6. Who we share it with

We do not sell your personal data. We do not share it with advertisers, lenders, insurers or data brokers.

We share data only with service providers who help us run Moneymz, and only to the extent they need it:

• Cloud hosting and database providers
• Authentication (Google Sign-In)
• The AI processing service described in section 3
• Email delivery, for statements you forward and for service notices
• [PAYMENT PROCESSOR — add before launching paid plans]

We may also disclose data where required by law, court order or a lawful request from an authority.

7. How long we keep it

Your financial data is kept for as long as your account is open. If you delete your data or close your account, it is removed from our live systems immediately. Backups are overwritten on a rolling basis within [NUMBER] days. Anonymous, aggregated statistics that cannot identify you may be retained.

8. Your rights

Under India's Digital Personal Data Protection Act, 2023, you have the right to:

• Access a summary of the personal data we hold about you and how it is processed.
• Correct inaccurate or incomplete data, and complete data that is out of date.
• Erase your personal data. In the app, "Delete All My Data" in Settings does this immediately and permanently.
• Withdraw consent at any time.
• Nominate another person to exercise your rights in the event of your death or incapacity.
• Raise a grievance with our Grievance Officer, named in section 11.

To exercise any of these, use the controls in Settings or write to us at the address in section 11.

9. Security

We use HTTPS throughout, database rules that prevent any user reading another user's data, and server-side handling of all sensitive operations. No system is perfectly secure, and we do not claim otherwise. If a breach occurs that affects your data, we will notify you and the Data Protection Board of India as required by law.

10. Children

Moneymz is not intended for anyone under 18, and we do not knowingly collect data from children. If you believe a child has provided us data, contact us and we will delete it.

11. Grievance Officer and contact

In accordance with the Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000 and rules made under it:

• Grievance Officer: [FULL NAME]
• Email: [grievance@moneymz.com]
• Address: [REGISTERED ADDRESS]

We acknowledge complaints within 24 hours and resolve them within 15 days of receipt.

If you are not satisfied with our response, you may complain to the Data Protection Board of India.

12. Changes to this policy

If this policy changes materially, we will say so plainly on this page and notify you in the app before the change takes effect.

Last updated [DATE]. Questions: privacy@moneymz.com