Privacy Policy

Welcome to Moneyly (hereinafter referred to as "the App" or "we"). We understand how important your personal information is to you, and we are committed to protecting it with the highest standards of security and reliability. The App is a personal expense tracking and money management tool, and we have always adhered to the design philosophy of "local-first data, privacy first".

Our Core Promise: All your data — transactions, income/expenses, budget, avatar, etc. — is stored by default only on your own device (local storage). We do not upload, collect, or share your expense data. All core features of the App work fully offline, even without a network connection.

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1. How We Collect and Use Your Personal Information

The App is designed on a "local-first" principle. We only process the following information locally on your device when you actively use specific features:

1.1 Data You Create Within the App (Stored Locally Only)

The following data is stored via the SQLite database, AsyncStorage, and the app's document directory on your device and is never uploaded to any server:

Data Type	Storage Location	Description
Transaction records (income/expense, category, notes, receipt images)	Local SQLite database	Receipt images are stored as base64 in the local database
Budget settings (default ¥3,000) and spending reminder configuration	Local SQLite database	Used only for local statistics and reminders
User profile (username, avatar, uuid)	Local SQLite / app document directory	Avatars are compressed (≤1 MB) and stored in the app document directory
6-digit passcode lock	Local SQLite database	Used only to unlock the app locally

1.2 Biometric Information (Face ID / Touch ID)

The App supports unlocking with Face ID / Touch ID. We do not collect, store, or upload your biometric data. Biometric verification is performed by your device's system (iOS / Android system-level security module). The App only receives the "verified / not verified" result and stores locally the toggle state of whether biometric unlock is enabled.

1.3 Device Permissions

To provide you with specific features, the App may request the following device permissions. All permissions are used only for local functionality and involve no data transmission:

Permission	Purpose	Required?
Camera	Scan QR codes, take a photo to set your avatar	Requested only when using this feature
Photo Library	Choose an avatar from your photo library, save QR code images to your photo library	Requested only when using this feature
Microphone	System-level support for scanning/photography scenarios (follows camera permission)	Requested only when using this feature
Biometrics (Face ID / Touch ID)	App unlock	Optional — you can turn it off at any time

You can revoke any of the above permissions at any time in your device's system settings. After revoking, the corresponding features may become unavailable, but this does not affect offline use of core features such as transaction recording.

1.4 Network Usage (Full Disclosure)

The App does not upload any data over the network — your expense data never leaves your device. Please note:

1. If future versions enable online sync, accounts, cloud services, or the aforementioned reserved interfaces, we will notify you separately and obtain your separate consent, and update this Privacy Policy accordingly;
2. If any network communication is enabled in the future, we will prioritize HTTPS encrypted transmission to ensure communication security.

Conclusion for the current version: All your data (transactions, budget, avatar, settings, etc.) is stored entirely on your device. The App will not send or upload your personal information to any server without your consent.

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2. How We Use Your Information

We use the information described above only locally on your device, for the following purposes:

1. Providing core expense tracking features such as transaction recording, category statistics, budget management, and spending reminders;
2. Providing QR code scanning and generation, and image saving features;
3. Providing app unlock (passcode / biometrics);
4. Displaying personalized content you have set (username, avatar, language preference, etc.).

We do not use your information for ad targeting, user profiling, data selling, or any purpose without your consent.

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3. How We Share, Transfer, and Publicly Disclose Your Information

3.1 Sharing

We do not share your expense data or personal information with any third party, except in the following circumstances:

1. With your explicit consent;
2. When required by laws and regulations, judicial proceedings, or mandatory requests from government authorities.

3.2 Transfer and Public Disclosure

We do not transfer or publicly disclose your personal information, except as otherwise provided by laws and regulations.

3.3 Third-Party Services

The App does not integrate any advertising SDKs, analytics SDKs (such as Firebase, Google Analytics, AppsFlyer, etc.), or third-party cloud storage services. The reserved interfaces in the code (such as the Hitokoto API) are not enabled in the current version and generate no network requests or data sharing.

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4. Storage and Protection of Your Information

1. Storage location: Your data is stored locally on your device (SQLite database, AsyncStorage, app document directory) and is not stored on our servers (except for network features you actively use).
2. Retention period: Your data remains on your device until the app is uninstalled, app data is cleared, or you delete it yourself. Uninstalling the app will delete all data the app has stored on your device.
3. Security measures:
   • The app passcode lock and device-level biometrics protect your local data;
   • Avatar images are compressed locally;
   • We recommend enabling the encryption and lock screen protection provided by your device's system.
4. Offline availability: Since all core data is stored locally, core features such as transaction recording, statistics, and budget management work normally even without a network connection.

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5. Protection of Minors

The App is primarily intended for adults. If you are a minor, please use the App under the guidance of a guardian. We do not proactively collect personal information from minors.

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6. Your Rights

1. Access and review: You can view all your expense data in the App at any time;
2. Correction: You can modify transactions, username, avatar, budget, and other data at any time;
3. Deletion: You can delete individual or all local data; uninstalling the App deletes all local data;
4. Withdrawing consent: You can turn off camera, photo library, biometrics, and other permissions at any time;
5. Export and backup: Local data is managed by you; we recommend backing it up regularly.

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7. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. The updated policy will be published on this page with its effective date. For material changes, we will notify you prominently within the App.

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8. Contact Us

If you have any questions, comments, or suggestions regarding this Privacy Policy or the protection of personal information, please contact us via: