Money ManagerPrivacy Policy

This Privacy Policy describes how DL Technologies ("we," "us," or "our") handles information in the Money Manager mobile application for iPhone and iPad (the "App"). Please read this policy carefully to understand our practices.

#1. Information We Collect

1.1 Financial Data You Enter

All transaction records, categories, budgets, recurring rules, receipt photos, and settings you enter in Money Manager are stored exclusively on your device. We do not receive them.

1.2 Optional AI Features (only when you tap them)

Two features use OpenAI's API and send limited information off your device only when you explicitly use them:

• AI Advice (Reports): sends a compact summary of the selected period to OpenAI (model gpt-4o-mini): the period label, currency symbol, total income, total expense, number of transactions, your top five expense categories with totals, an optional comparison with the previous period, and the App language. Individual transactions, notes, and receipt images are not included
• AI Receipt Scan: sends a downscaled copy of the receipt photo you take or choose to OpenAI so it can read the merchant, amount, date, and a suggested category. We do not keep this copy; it is used only to fill in the transaction form

OpenAI processes this data under its own privacy policy and API terms. The App obtains the access credential for these requests from Google Firebase Remote Config; no personal data is sent to Firebase for this purpose. If you never use these features, nothing is sent to OpenAI.

1.3 Camera, Photos, and Face ID

• Camera / Photo Library: used only when you choose to attach or scan a receipt. Attached receipt photos are stored in the App's local storage on your device
• App Lock (PIN and Face ID / Touch ID): the optional lock is checked on your device. Only a salted hash of your PIN is stored locally, and biometric verification is performed by iOS — the App never receives your biometric data

1.4 Information Collected Automatically

To keep the App free and stable, the following limited technical information is collected by our service providers:

• Advertising (Google AdMob, non-premium users only): device and usage information such as IP address, device type, iOS version, and ad interaction data, used to deliver, measure, and secure ads. General location is at country/region level only, derived from IP address
• Analytics and Crash Data (Google Firebase): We use Firebase Analytics, configured without advertising-identifier support, and Firebase Crashlytics. They receive an app-instance identifier, device model, iOS version, app version, language, approximate region (derived from IP address), crash logs, and basic usage events such as app opens and features used. We use this only to fix bugs and improve the App

These service providers act under their own privacy policies; we do not have access to the underlying financial data of any user.

1.5 No Account, No Registration

Money Manager does not require you to create an account, sign in, or provide your name, email address, or phone number.

#2. How Your Data Is Stored

2.1 On-Device Storage

Your financial data is stored in the App's local database on your device. It is:

• Stored only on your personal device
• Never uploaded to our servers
• Under your control at all times

2.2 Backups, Exports, and Widgets

• Backup files: you can export a .json backup and pick where it goes using the iOS share sheet (Files, AirDrop, email, etc.). It is never sent to us
• Excel and PDF exports: generated on your device and shared only where you choose
• Home Screen widget: shows your balance using data shared locally between the App and its widget on your device
• Device backups: if you use iCloud Backup or a computer backup, Apple may include the App's local data according to your Apple settings

Important: if you share a backup or export through a third-party service, that service's privacy practices apply. We have no control over how third parties handle your data.

#3. Advertising

Unless you have purchased Remove Ads, Money Manager displays a banner advertisement through Google AdMob. These ads help us keep the App free.

The App does not ask for App Tracking Transparency permission and does not access your device's Advertising Identifier (IDFA). Where you are located in a region that requires consent (for example the EEA, UK, or certain US states), Google's consent form is shown before any ad is requested, and you can review or change your choice at any time from the Ad Privacy Options row in the App's Settings. Ads may be personalized or non-personalized depending on your region, your consent choice, and your device settings.

Remove Ads: a one-time in-app purchase permanently removes all ads. Once purchased, the App does not load the advertising SDK, does not show the consent form, and no ad-related data is collected through the App.

Your Advertising Choices:

• Consent: where required, use the consent form and change your choice any time from Ad Privacy Options in the App's Settings
• iOS Tracking setting: Settings → Privacy & Security → Tracking lets you review tracking permissions for all apps

Opting out of personalization means you may still see ads, but they will not be personalized to your interests.

#4. In-App Purchases

Money Manager offers an optional one-time in-app purchase (Remove Ads) processed by Apple through the App Store. We do not collect or store any payment information or your Apple ID. Please refer to Apple's terms for details.

#5. Data Sharing and Disclosure

We do not sell, trade, or share your financial data. Information that may leave your device is limited to: advertising data collected directly by Google AdMob (Section 3), analytics and crash data collected by Google Firebase (Section 1.4), and, only if you use them, the AI Advice or AI Receipt Scan requests to OpenAI (Section 1.2).

We may disclose information if required by law or to protect the rights, safety, or property of DL Technologies or others.

#6. Data Deletion

Because your financial data is stored locally, you control deletion:

• Delete individual records: delete transactions, categories, recurring rules, and attached receipts inside the App
• Delete the App: removing Money Manager permanently deletes all locally stored data from your device (copies you exported or that exist in your own device backups are outside the App's control)

There is no financial data on our servers to delete. To request deletion of analytics or diagnostic data associated with your device, contact support@dltechapps.com.

#7. Data Security

Because your data is stored locally on your device, its security depends on your device's own security features (passcode, encryption, etc.). You can add the App's optional PIN or Face ID lock. We recommend keeping iOS up to date.

#8. Children's Privacy

Money Manager is intended for users aged 13 and older. We do not knowingly collect personal information from children under 13. If you believe a child under 13 is using the App, please contact us and we will take appropriate action.

#9. Your Privacy Rights

Depending on your location, you may have rights regarding your personal information. Since we do not collect your financial data, most requests are fulfilled by the nature of the App. For advertising-related data collected by Google AdMob or data processed by OpenAI, please contact those providers or use the choices described above. For any privacy concerns, contact us at support@dltechapps.com.

#10. Third-Party Services

Money Manager uses the following third-party services, each governed by its own privacy policy:

• Google AdMob — advertising: policies.google.com/privacy
• Google Firebase (Analytics, Crashlytics, Remote Config) — firebase.google.com/support/privacy
• OpenAI — optional AI features: openai.com/policies/privacy-policy
• Apple App Store — purchases: apple.com/legal/privacy

#11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by updating the "Last Updated" date at the top of this page. Your continued use of the App after changes are posted constitutes your acceptance of the updated policy.

#12. EU Representative (Article 27 GDPR)

#13. Contact Us

#14. Definitions

• Application/App: The Money Manager mobile application for iPhone and iPad
• Company/We/Us/Our: DL Technologies, located in Mozambique
• Device: Any device that can access the App (iPhone, iPad)
• Local Storage: Data stored on your device only, not transmitted to any server
• Personal Data: Information that relates to an identified or identifiable individual
• You/User: An individual aged 13 or older using the App