Introduction
Welcome to MoneyKu. We respect your privacy and are committed to protecting your personal data. This privacy policy will inform you about how we look after your personal data when you visit our application and tell you about your privacy rights and how the law protects you.
MoneyKu is operated by PT Pelita Kode Indonesia, a company registered in Indonesia. Throughout this policy, "we", "us", and "our" refer to PT Pelita Kode Indonesia.
Information We Collect
We collect different types of information to provide and improve our services:
Personal Information You Provide
- Account Information: When you create an account, we collect your name, email address, and password
- Profile Information: Optional information such as profile picture, preferred currency, and language preferences
- Financial Data: Transaction descriptions, amounts, categories, dates, account names, and budget information that you manually enter into the app. We do not connect to your bank accounts or collect actual banking credentials
- Communication Data: When you contact our support team, we collect your name, email address, and the content of your messages
Information Collected Automatically
- Device Information: Device model, operating system version, unique device identifiers, and mobile network information
- Usage Data: How you interact with the app, features used, time spent on different screens, and app settings
- Log Data: IP address, browser type, access times, pages viewed, and the page you visited before navigating to our services
- Analytics Data: We use analytics services to collect information about app usage patterns, user engagement, and performance metrics to improve our services
- Crash Data: When the app crashes or encounters errors, we automatically collect crash logs, device state information, and stack traces to help us identify and fix bugs
Subscription and Purchase Information
When you purchase a subscription through Apple's In-App Purchase system, we receive limited information about your purchase (such as subscription status and expiration date) but we do not receive your payment card information. All payment processing is handled securely by Apple.
How We Use Your Information
We use the information we collect for the following specific purposes:
- To Provide Our Services: We use your account information and financial data to enable you to track expenses, manage budgets, and access all features of MoneyKu
- To Manage Your Account: We use your email address and name to create and maintain your account, authenticate your identity, and communicate with you
- To Process Subscriptions: We use subscription information to manage your premium access, verify subscription status, and ensure you receive the features you've paid for
- To Provide Customer Support: When you contact us, we use your communication data to respond to your questions, troubleshoot issues, and provide assistance
- To Improve Our App: We analyze usage data and crash reports to understand how users interact with MoneyKu, identify bugs, optimize performance, and develop new features
- To Send Important Notifications: We use your email address to send you critical service updates, security alerts, subscription renewal reminders, and important changes to our terms or policies
- To Ensure Security: We use log data and device information to detect and prevent fraudulent activities, unauthorized access, and security threats
- To Comply with Legal Obligations: We may use your information to comply with applicable laws, respond to legal requests, and enforce our terms of service
We do not:
- Sell your personal information to third parties
- Use your financial data for advertising purposes
- Share your transaction details with anyone except as described in this policy
Data Security
We have implemented appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. We use industry-standard encryption technologies and secure servers to protect your data.
In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know.
Data Retention
We will only retain your personal data for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
Your Privacy Rights
You have the following rights regarding your personal information:
Access and Correction
- Access Your Data: You can view and download your personal information and financial data at any time through the app's settings or by contacting us at privacy@moneyku.com
- Correct Your Data: You can update your account information, profile details, and transaction data directly in the app
- Data Portability: You can export your financial data in a common format (CSV/JSON) to transfer it to another service
Account and Data Deletion
You have the right to delete your account and personal data at any time. Here's how:
Option 1: Delete Through the App
- Open the MoneyKu app
- Go to Profile
- Tap on "Delete Account"
- Confirm deletion by tapping "Delete"
Option 2: Request Deletion via Email
Send an email to privacy@moneyku.com with the subject line "Account Deletion Request" and include:
- Your registered email address
- Your full name as it appears in your account
- Confirmation that you want to permanently delete your account
We will process your request within 30 days and send you a confirmation email once completed.
Important Information About Account Deletion:
- Deletion is permanent and cannot be undone
- All your financial data, transactions, budgets, and reports will be permanently deleted
- If you have an active subscription, it will not be automatically canceled. You must cancel it separately through Apple (Settings → Apple ID → Subscriptions)
- Some information may be retained in backup systems for up to 90 days, then permanently deleted
- Certain information may be retained longer if required by law (e.g., for tax or accounting purposes)
Other Rights
- Object to Processing: You can object to certain types of data processing by contacting us
- Restrict Processing: You can request that we limit how we use your data in certain circumstances
- Withdraw Consent: Where we rely on your consent to process data, you can withdraw it at any time
- Opt-out of Marketing: You can unsubscribe from promotional emails using the link in any marketing email or by adjusting your notification settings in the app
To exercise any of these rights, please contact us at privacy@moneyku.com. We will respond to your request within 30 days.
How We Share Your Information
We work with trusted third-party service providers to help us operate MoneyKu. These providers have access to certain information only to perform specific tasks on our behalf and are obligated to protect your information. We share data with the following categories of service providers:
Third-Party Services We Use
Supabase (Database & Authentication)
- What we share: Your account information (name, email, password hash), financial data you enter, and profile preferences
- Why we share it: To securely store your data and manage user authentication
- Privacy Policy: supabase.com/privacy
RevenueCat (Subscription Management)
- What we share: Your device identifier, subscription status, purchase receipts, and app user ID
- Why we share it: To manage your subscription status, verify purchases, and provide premium features
- Privacy Policy: revenuecat.com/privacy
Firebase (Analytics & Crash Reporting)
- What we share: Device identifiers, app usage data, crash logs, and performance metrics
- Why we share it: To analyze app usage, identify crashes and bugs, and improve app performance
- Privacy Policy: firebase.google.com/support/privacy
Other Sharing Scenarios
We may also share your information in the following circumstances:
- Legal Requirements: If required by law, court order, or governmental authority
- Business Transfers: In connection with a merger, acquisition, or sale of assets (you would be notified)
- With Your Consent: When you explicitly agree to share information with third parties
- To Protect Rights: To enforce our terms, protect our legal rights, or prevent fraud and abuse
Important: We do not sell your personal information to advertisers or data brokers. Your financial transaction data remains private and is never shared for marketing purposes.
Advertising and Tracking
MoneyKu does not currently display third-party advertisements or use advertising tracking technologies. We do not track your activity across other apps or websites for advertising purposes.
If we decide to implement advertising or cross-app tracking in the future, we will:
- Update this Privacy Policy with clear information about tracking practices
- Request your permission through Apple's App Tracking Transparency (ATT) framework before tracking your activity
- Provide you with the option to opt-out of personalized advertising
- Notify existing users about these changes via email and in-app notifications
You can learn more about Apple's privacy controls in Settings → Privacy & Security → Tracking on your iOS device.
Children's Privacy
Our services are not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us.
Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
Contact Us
If you have any questions about this Privacy Policy, please contact us:
- Company: PT Pelita Kode Indonesia
- Email: privacy@moneyku.com