MoneyTide and Privacy

Collecting Your Data

Account Information

When you create a MoneyTide account, we collect your email address and create secure authentication credentials. If you sign in with Google or Apple, we receive your name and email address from these authentication providers.

Financial Data

MoneyTide collects the financial information you choose to input, including:

• Expense details (amount, date, category, notes)
• Budget information
• Group expense sharing data
• Receipt images you upload

This information is essential for providing MoneyTide's core functionality and is processed securely.

Device Information

To ensure proper functionality, MoneyTide collects limited device information:

• Device region/locale (for currency formatting)
• Authentication tokens for secure sign-in
• IP address (used only for security and not stored long-term)

Information Not Collected

MoneyTide does not collect:

• Precise location information
• Contacts or address book data (unless explicitly shared)
• Browser history or other app usage
• Health information
• Data from other apps on your device

Using Your Data

Core Functionality

Your data enables MoneyTide to provide expense tracking, budget management, and financial analytics. This includes generating financial insights and visualizations based on your spending patterns.

Multi-Device Synchronization

To sync your data across your devices, MoneyTide securely stores your information in our cloud database. Your data is protected during transmission using secure HTTPS connections and is also encrypted while stored on our service providers' servers.

Shared Expenses

When you choose to share expenses with others, MoneyTide shares only the specific expense information needed for this feature with the people you select. This information includes expense amounts, descriptions, and payment status.

App Improvement

We use anonymized usage data and performance metrics to identify and fix technical issues, optimize app functionality, and prioritize new features. This analytics data cannot be used to identify individual users.

Sharing Your Data

With Other Users

When you explicitly choose to share expense information with specific people, we share only the details necessary for the shared expense functionality. Other users never have access to your personal expenses or financial data that you haven't specifically shared.

With Service Providers

MoneyTide uses trusted third-party service providers to operate the app:

• Cloud database and storage providers - For securely storing your data and enabling synchronization
• Authentication providers - For secure account access and identity verification
• Backend service providers - For hosting our services that facilitate friend relationships and notifications

These providers can access your data only to perform tasks on our behalf and are contractually obligated to protect your information.

Legal Requirements

We may disclose your information when required by law, such as in response to a valid court order, subpoena, or other legal process. We evaluate each request carefully and disclose only what is legally required.

What We Don't Share

MoneyTide does not:

• Sell your personal information to advertisers or data brokers
• Share your data with third parties for marketing purposes
• Provide your financial information to credit reporting agencies
• Use your data for targeted advertising

Protecting Your Data

Encryption

Your data is protected with industry-standard security measures. All data is encrypted during transmission (using HTTPS/TLS) and is protected while stored in our cloud database. Receipt images are stored with secure access controls that prevent unauthorized access.

Authentication

MoneyTide uses secure authentication methods, including email/password with strong password requirements, Google Sign-In, and Apple Sign-In. These methods implement industry-standard OAuth 2.0 protocols that protect your credentials.

Access Controls

We implement strict access controls to ensure your data is only accessible by authorized personnel for specific operational purposes. Regular security reviews limit internal access to your information.

Security Monitoring

We monitor our systems for suspicious activity and potential breaches, and promptly address any security issues that arise. Our security measures are regularly reviewed and updated.

Managing Your Data

Accessing Your Information

You can access all the data you've provided through the MoneyTide app. Your expenses, budgets, and account information are available for review at any time.

Deleting Your Account

You can delete your MoneyTide account at any time through the app settings.

Privacy Controls

MoneyTide provides controls to manage your privacy:

• Control which expense information is shared with others
• Manage app permissions (such as camera access for receipts)
• Manage notification settings
• Update your profile information at any time

Additional Details

Children's Privacy

MoneyTide is not intended for use by children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us at [email protected] and we will promptly delete this information.

Data Retention

We retain your data for as long as your account is active or as needed to provide you with MoneyTide services. After account deletion, we may retain certain information for a limited time as required for legal, tax, or auditing purposes.

International Data Transfers

MoneyTide operates globally, and your information may be processed on servers located outside your country of residence. We implement appropriate safeguards to protect your information when transferred internationally.

Your Privacy Rights

Depending on your location, you may have specific rights regarding your personal data, including:

• Right to access and receive a copy of your data
• Right to correct inaccurate information
• Right to delete your personal data
• Right to restrict or object to processing
• Right to data portability

To exercise these rights, please contact us using the information below.

Policy Updates

We may update this Privacy Policy periodically to reflect changes in our practices or for legal, operational, or regulatory reasons. Please review this policy occasionally for any changes. Changes are effective when posted on this page with a revised "Last Updated" date.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

[email protected]

We will respond to your request within 30 days.