Legal & Compliance

Privacy Policy

Welcome to Money Watcher. We are committed to protecting your privacy and ensuring that your financial data is highly secure. This Privacy Policy outlines how your information is collected, used, and safeguarded within our application.

1. Information We Collect

We believe in data minimization and only collect what is absolutely necessary:

• Financial Data: Income, expenses, budgets, savings goals, and transaction categorization that you input or authorize us to sync manually and stored in local only.
• Technical Data: Device identifiers, IP addresses, operating system version, and general usage analytics not fetch or get by app that only require google for adMob.

2. How We Use Your Data

Your data belongs to you. We use the collected information exclusively to:

• Operate, secure, and maintain the core functionalities of the Money Watcher application.
• Generate personalized financial reports, insights, and tracking metrics.
• Send essential account updates, service notifications, and security alerts.
• Improve our algorithms to provide you with a smarter, more efficient financial tracking experience.

3. Data Security & Storage

Your financial security is our highest priority. We implement bank-level security measures including AES-256 encryption for data at rest and TLS 1.3 for all data in transit. We have strict internal access controls and undergo regular security audits. We do not sell, rent, or trade your personal or financial data to third-party advertisers or data brokers under any circumstances.

4. Your Rights

We empower you with full control over your digital footprint:

• Access and Export: You can export a full copy of your financial data in CSV or JSON format at any time from your account settings.
• Right to be Forgotten: You can instantly delete your account permanently. Upon deletion, all associated personal and financial data is completely eradicated from our active servers.
• Opt-Outs: You have the right to opt-out of non-essential analytical tracking and promotional communications.

5. Contact Us

If you have any questions, concerns, or legal inquiries regarding this Privacy Policy, please reach out to our privacy team directly at orwetrysystech@gmail.com.

Terms of Service & User Policy

By downloading, accessing, or using Money Watcher, you mathematically and legally agree to be bound by these Terms of Service. If you disagree with any part of these terms, you must discontinue your use of the application immediately.

1. Use of Service

Money Watcher is provided to you as a personal finance tracking and budgeting software tool. The insights our algorithms provide rely heavily on the accuracy of the data you input. Disclaimer: We do not provide licensed financial, tax, or legal advice, and our service should never be treated as a substitute for professional counsel.

2. User Responsibilities

• Lawful Conduct: You agree not to use Money Watcher for any illegal, unauthorized, or fraudulent purposes, including but not limited to money laundering tracking or storing illicit financial records.
• Accurate Information: You agree to provide true, accurate, current, and complete information when registering an account and utilizing our integrations.

3. Service Availability and Modifications

While we target 99.9% uptime, we do not guarantee that the service will be entirely uninterrupted, timely, or error-free. Money Watcher reserves the absolute right to modify, suspend, or discontinue the service (or any part thereof) with or without notice at any time.

4. Limitation of Liability

To the maximum extent permitted by applicable law, Money Watcher, its affiliates, developers, and partners shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use the service, or resulting from unauthorized access to your account leading to data loss or inaccuracies.

5. Governing Law

These terms shall be governed and construed in accordance with the laws of the jurisdiction in which our company is headquartered, specifically without regard to its conflict of law provisions.