Privacy Policy

Effective Date: October 1, 2025

Last Updated: October 29, 2025

Introduction

Welcome to Moonly ("we," "us," "our," or the "App"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, share, and protect your information when you use our mobile application available on iOS and Android platforms.

By downloading, accessing, or using our App, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our App.

Key Commitment: We understand that budget tracking apps handle sensitive financial information. Your financial data is yours—we do not sell, rent, or share your personal financial information with third parties for marketing purposes.

1. Information We Collect

We collect different types of information to provide and improve our services to you.

1.1 Information You Provide Directly

Account Information:

  • Email address
  • Password (encrypted and securely stored)
  • Profile preferences and settings

Budget and Financial Data:

  • Budget categories and amounts you create
  • Income and expense entries
  • Transaction descriptions and notes
  • Financial goals and targets
  • Custom categories and tags
  • Any other financial information you manually input into the App

User Behavior Data:

  • App usage patterns (which features you use and how often)
  • Interaction with budget categories
  • Preferences and customization settings

Note: We do NOT collect or have access to your bank account credentials, credit card numbers, or any direct connection to your financial institutions. All financial data you see in the App is what you manually enter.

1.2 Information Collected Automatically

Device Information:

  • Device type and model
  • Operating system and version (iOS or Android)
  • Unique device identifiers
  • Mobile network information
  • Device language settings

Usage Data:

  • App version you're using
  • Session duration and frequency
  • Features accessed
  • Error reports and crash logs
  • Performance metrics

Technical Information:

  • IP address
  • Browser type (if accessing web version)
  • Time zone settings
  • Date and time of access

1.3 Location Information

With your explicit permission, we may collect general location data (city/country level) to:

  • Provide localized currency formats
  • Display relevant financial tips based on your region
  • Improve our services for your geographic area

We do NOT collect precise GPS location data unless you explicitly grant permission for specific features.

1.4 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience:

  • Essential: Required for the App to function properly (authentication, security)
  • Analytics: Help us understand how you use the App to improve performance
  • Preference: Remember your settings and preferences

You can control cookie preferences through your device settings, but disabling certain cookies may limit App functionality.

2. How We Use Your Information

We use the information we collect for the following purposes:

2.1 Service Provision

  • To create and manage your account
  • To provide access to budget tracking features
  • To store and display your financial data
  • To calculate budget summaries and analytics
  • To enable you to set and track financial goals
  • To sync your data across your devices

2.2 Service Improvement

  • To analyze usage patterns and improve App functionality
  • To develop new features based on user behavior
  • To fix bugs and technical issues
  • To optimize App performance
  • To conduct research and analytics (using anonymized, aggregated data only)

2.3 Communication

  • To send important service updates and notifications
  • To respond to your inquiries and support requests
  • To notify you of App updates or new features
  • To send account-related information (password resets, security alerts)
  • To request feedback on your experience

2.4 Security and Fraud Prevention

  • To protect against unauthorized access to your account
  • To detect and prevent fraudulent activity
  • To ensure the security and integrity of the App
  • To comply with legal obligations

2.5 Legal Basis for Processing (GDPR)

For users in the European Economic Area (EEA), United Kingdom, and Switzerland, we process your data based on:

  • Contract Performance: Processing necessary to provide the App services you requested
  • Consent: When you've given explicit permission (e.g., for marketing communications)
  • Legitimate Interests: To improve our services, ensure security, and operate our business
  • Legal Obligation: To comply with applicable laws and regulations

3. How We Share Your Information

We do NOT sell, rent, or trade your personal financial information to third parties for marketing purposes.

We may share your information only in the following limited circumstances:

3.1 Service Providers

We work with trusted third-party service providers who assist us in operating the App:

  • Cloud Storage Providers: To securely host and store your data (Amazon Web Services, Google Cloud Platform)
  • Analytics Services: To understand App usage and improve performance (Google Analytics, Firebase, PostHog)
  • Email Services: To send account-related communications (SendGrid)
  • Payment Processors: To process subscription payments if applicable (RevenueCat)

All service providers are contractually obligated to:

  • Keep your information confidential
  • Use your information only for the purposes we specify
  • Implement appropriate security measures
  • Comply with applicable data protection laws

3.2 Legal Requirements

We may disclose your information when required by law or when we believe disclosure is necessary to:

  • Comply with legal obligations, court orders, or government requests
  • Enforce our Terms of Service and other agreements
  • Protect the rights, property, or safety of our company, users, or others
  • Detect, prevent, or address fraud, security, or technical issues

3.3 Business Transfers

If our company is involved in a merger, acquisition, asset sale, or bankruptcy, your information may be transferred as part of that transaction. We will notify you via email and/or prominent notice in the App before your information becomes subject to a different privacy policy.

3.4 With Your Consent

We may share your information for purposes not described in this policy with your explicit consent.

3.5 Aggregated and Anonymized Data

We may share aggregated, anonymized data that cannot identify you individually for:

  • Industry research and reports
  • Marketing and promotional purposes
  • Public reports about App usage trends

4. Data Security

We take the security of your information seriously and implement industry-standard measures to protect it:

4.1 Security Measures

Encryption:

  • All data transmitted between your device and our servers is encrypted using TLS/SSL protocols
  • Your password is encrypted using strong cryptographic hashing algorithms
  • Sensitive data is encrypted at rest in our databases

Access Controls:

  • Strict employee access controls on a need-to-know basis
  • Multi-factor authentication for internal system access
  • Regular security training for all personnel

Infrastructure Security:

  • Secure, certified data centers with physical security measures
  • Regular security audits and vulnerability assessments
  • Automated backup systems
  • Intrusion detection and prevention systems

Account Security:

  • Password strength requirements
  • Optional biometric authentication (fingerprint, Face ID)
  • Account activity monitoring
  • Automatic logout after inactivity

4.2 Your Responsibility

While we implement robust security measures, the safety of your information also depends on you:

  • Use a strong, unique password
  • Enable biometric authentication if available
  • Keep your device operating system updated
  • Do not share your login credentials
  • Log out when using shared devices
  • Report suspicious activity immediately

4.3 Security Disclaimer

Despite our best efforts, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security. In the event of a data breach that compromises your personal information, we will notify you within 72 hours as required by applicable law.

5. Data Retention and Deletion

5.1 How Long We Keep Your Data

We retain your information only for as long as necessary to fulfill the purposes described in this Privacy Policy:

  • Account Data: Retained while your account is active
  • Financial Data: Retained while your account is active
  • Usage Analytics: Anonymized and retained for up to 1 year for service improvement
  • Support Communications: Retained for up to 2 years for quality assurance
  • Legal Requirements: Some data may be retained longer to comply with legal obligations (e.g., tax records, financial regulations)

5.2 Account Deletion

You have the right to delete your account at any time. Upon account deletion:

Immediate Actions:

  • Your account access is immediately disabled
  • Your data is marked for deletion in our active systems

Within 30 Days:

  • Your personal information and financial data are permanently deleted from our active databases
  • Deletion is irreversible and cannot be undone

Within 12 Months:

  • Your data is completely removed from backup systems and logs

Exceptions:

  • Some data may be retained in anonymized, aggregated form for analytics
  • We may retain certain information as required by law (e.g., transaction records for tax purposes)
  • Information necessary for legal claims or dispute resolution may be retained as legally required

5.3 How to Delete Your Account

Option 1: In-App Deletion

  1. Open the App and go to Settings
  2. Navigate to Account Settings
  3. Select "Delete Account"
  4. Confirm your decision and enter your password
  5. Your account will be scheduled for deletion

Option 2: Email Request

Send an email to support@justanothersimple.app with the subject line "Account Deletion Request" from the email address associated with your account.

We will verify your identity and process your request within 7 business days.

6. Your Rights and Choices

You have the following rights regarding your personal information:

6.1 Access and Portability

Right to Access:

You can request a copy of the personal information we hold about you.

Right to Data Portability:

You can request your data in a structured, commonly used, machine-readable format (e.g., CSV, JSON) that allows you to transfer it to another service.

How to Request:

Email support@justanothersimple.app with your request.

6.2 Correction and Updates

Right to Correction:

You can update inaccurate or incomplete information.

How to Update:

  • Most information can be corrected directly in the App under Settings > Account Profile
  • For assistance, contact us at support@justanothersimple.app

6.3 Deletion

Right to Deletion:

You can request deletion of your personal information (see Section 5.2).

Limitations:

We may retain certain information as required by law or for legitimate business purposes.

6.4 Opt-Out Rights

Marketing Communications:

Unsubscribe from promotional emails by clicking the "unsubscribe" link in any marketing email or by adjusting your preferences in Settings.

Analytics Cookies:

Disable analytics tracking in Settings > Privacy > Analytics (note: this may limit some features).

Location Services:

Disable location access in your device settings under App Permissions.

6.5 Withdraw Consent

If we process your data based on consent, you have the right to withdraw that consent at any time without affecting the lawfulness of processing based on consent before its withdrawal.

6.6 Object to Processing

You have the right to object to processing of your personal information for direct marketing purposes or when processing is based on legitimate interests.

6.7 Restrict Processing

You can request restriction of processing your personal information in certain circumstances (e.g., while we verify accuracy of data you've contested).

6.8 Lodge a Complaint

If you believe we have not handled your personal information properly, you have the right to lodge a complaint with your local data protection authority:

  • EU/EEA Residents: Your local Data Protection Authority
  • UK Residents: Information Commissioner's Office (ICO)
  • California Residents: California Attorney General's Office
  • Other Jurisdictions: Your local privacy regulator

7. International Data Transfers

Your information may be transferred to, stored, and processed in countries other than your country of residence, including the Singapore, where our servers and service providers are located.

These countries may have data protection laws different from those in your country. By using our App, you consent to the transfer of your information to these countries.

9. Children's Privacy

Our App is not intended for children under the age of 16 (or under 13 in the United States).

We do not knowingly collect personal information from children. If you are under 16 (or 13 in the US), please do not:

  • Download or use the App
  • Provide any personal information through the App
  • Register an account

Parental Notice: If you believe your child has provided us with personal information, please contact us immediately at support@justanothersimple.app. We will delete such information within 30 days of verification.

10. Third-Party Services and Links

10.1 Third-Party Services

Our App may integrate with third-party services (e.g., cloud storage, analytics). These services have their own privacy policies that govern how they collect and use your information:

We encourage you to review these privacy policies. We are not responsible for the privacy practices of third-party services.

10.2 Third-Party Links

Our App may contain links to third-party websites or services. We are not responsible for the content or privacy practices of these external sites. We encourage you to read the privacy policies of any third-party sites you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.

How We Notify You:

  • We will post the updated policy in the App
  • We will update the "Last Updated" date at the top of this policy
  • For material changes, we will notify you via email or prominent in-app notification at least 30 days before the changes take effect
  • We will request your consent for material changes where required by law

Your Continued Use:

Your continued use of the App after the effective date of changes constitutes your acceptance of the updated Privacy Policy.

Review Regularly:

We encourage you to review this policy periodically to stay informed about how we protect your information.

12. Contact Us

We welcome your questions, comments, and concerns about this Privacy Policy or our privacy practices.

General Privacy Inquiries:

Email: support@justanothersimple.app
Subject Line: Privacy Inquiry

Customer Support:

Email: support@justanothersimple.app
In-App: Settings > Help & Support > Contact Us

Response Time:

We aim to respond to all inquiries within 7 business days. For data access or deletion requests, we will respond within 30 days as required by law.

13. Platform-Specific Information

13.1 Apple App Store (iOS)

App Privacy Labels:

Our App's data collection practices are disclosed in the Apple App Store privacy labels. This Privacy Policy provides more detailed information.

Apple Sign-In:

If you use "Sign in with Apple," we may receive limited information as specified by Apple's privacy practices.

13.2 Google Play Store (Android)

Data Safety Section:

Our App's data collection and security practices are disclosed in the Google Play Store Data Safety section.

Google Sign-In:

If you use "Sign in with Google," we may receive information as specified by Google's privacy practices.

14. Commitment to Transparency

We believe in transparency and are committed to:

  • ✅ Never selling your financial data to third parties for marketing
  • ✅ Using your data only to provide and improve the App
  • ✅ Implementing bank-grade security measures
  • ✅ Respecting your privacy rights under applicable laws
  • ✅ Being transparent about our data practices
  • ✅ Responding promptly to your inquiries and requests
  • ✅ Continuously improving our privacy and security practices

Summary

This Privacy Policy explains:

  • What data we collect: Account info, budget data you enter, device info, and usage data
  • How we use it: To provide the App, improve features, ensure security, and communicate with you
  • Who we share it with: Only trusted service providers and when legally required—we NEVER sell your financial data
  • Your rights: Access, correction, deletion, opt-out, and more
  • How to contact us: support@justanothersimple.app

Thank you for trusting Moonly with your financial information. Your privacy and security are our top priorities.

Last Updated: October 29, 2025
Version: 1.0