Privacy Policy

1. Information We Collect

We collect information in the following categories:

• Information you provide directly
• Account information (for example: email address, sign-in credentials, profile details).
• Financial tracking content you create (for example: transactions, subscription entries, categories, notes).
• Support messages or feedback you send us.

• Information collected automatically
• Device and app information (for example: device model, OS version, app version, language, timezone).
• Log and diagnostics data (for example: crash reports, performance metrics).
• Analytics events about app usage.

• Information from integrations and providers
• Authentication providers (for example: Google, Apple, Firebase Authentication).
• Push notification providers (for example: Firebase Cloud Messaging).
• Subscription and billing providers (for example: Apple App Store, Google Play, RevenueCat).

2. How We Use Information

We use information to:

• Provide and maintain the Service.
• Authenticate users and secure accounts.
• Sync and back up user data.
• Process subscriptions and restore purchases.
• Send notifications you request or allow.
• Monitor reliability, fix bugs, and improve product performance.
• Analyze feature usage to improve the app.
• Detect abuse, fraud, and security incidents.
• Comply with legal obligations.

3. Legal Bases (where applicable)

If required by applicable law (such as GDPR), we process personal data based on one or more of:

• Performance of a contract.
• Legitimate interests (service improvement, security, fraud prevention).
• Consent (for optional permissions/communications).
• Legal obligations.

4. Permissions

Depending on features you use, MicMoney may request permissions such as:

• Notifications.
• Microphone (for voice-related features).
• Camera/photos/storage/location (only if and when used by enabled features).

You can revoke permissions in device settings at any time.

5. Data Sharing

We do not sell personal information. We may share data with:

• Service providers that help us operate the Service (hosting, analytics, crash reporting, notifications, auth, billing).
• Legal authorities when required by law, regulation, legal process, or to protect rights and safety.
• A successor entity in a merger, acquisition, or asset transfer.

6. International Transfers

Your information may be processed in countries different from your residence. Where required, we apply safeguards for cross-border transfers.

7. Data Retention

We retain personal data only as long as necessary for the purposes in this policy, including legal, accounting, security, and dispute resolution requirements.

You may request account/data deletion as described below.

8. Security

We use reasonable technical and organizational safeguards to protect data. No system is 100% secure, and we cannot guarantee absolute security.

9. Your Rights and Choices

Depending on your location, you may have rights to:

• Access your personal data.
• Correct inaccurate data.
• Delete your data.
• Restrict or object to certain processing.
• Data portability.
• Withdraw consent where processing is based on consent.

To make a privacy request, contact us using the details below.

10. Children

The Service is not intended for children under 13 (or the minimum age required by local law). We do not knowingly collect personal data from children in violation of applicable law.

11. Third-Party Services

The app uses third-party services, each governed by their own terms and privacy policies. This may include Firebase, PostHog, RevenueCat, Apple, and Google.

12. California Privacy Notice (if applicable)

California residents may have rights under the CCPA/CPRA, including rights to know, delete, correct, and limit use of certain personal information. We do not sell personal information as defined by California law.

13. Changes to This Policy

We may update this Privacy Policy periodically. We will post the updated version with a new "Last updated" date.

14. Contact Us

For privacy questions or requests:

• Email: hello@titox.io
• Website: https://titox.io/micmoney

If you use this template, replace contact details with your actual legal contact information.