Money ManagerPrivacy Policy

This Privacy Policy describes how DL Technologies ("we," "us," or "our") handles information in the Money Manager mobile application (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, and settings you enter in Money Manager are stored exclusively on your device using local device storage. This data never leaves your device unless you explicitly choose to export or share it yourself.

1.2 Information Collected Automatically

Money Manager displays advertisements through Google AdMob. To serve ads, AdMob may automatically collect limited technical information, including:

• Device Information: Device type, operating system version, and unique advertising identifiers (Advertising ID)
• Advertising Interaction Data: Information about ads viewed or interacted with
• General Location: Country or region level only, derived from IP address by AdMob

This data is collected solely by Google AdMob for ad delivery purposes. We do not have access to or control over this data. Please refer to Google's Privacy Policy for details.

1.3 No Account, No Registration

Money Manager does not require you to create an account, sign in, or provide any personal information such as your name, email address, or phone number to use the App.

#2. How Your Data Is Stored

2.1 Local Storage Only

All financial data — including transactions, categories, budgets, and preferences — is stored in your device's local database (SQLite via Room). This data is:

• Stored only on your personal device
• Not sent to our servers
• Sent to a third party only if you use an optional AI feature (section 2.3)
• Not uploaded by the App to any cloud service. If you have Google's device backup turned on, Android may back up the App's data to your Google account under your own Google settings
• Fully under your control at all times

2.2 Backups

Money Manager allows you to export your data as a local .json backup file saved to your device storage. This backup file:

• Is saved only on your device in a folder you choose
• Is never sent to our servers
• Can be shared by you via any app you choose (e.g. email, cloud storage) — this is entirely your decision and responsibility

2.3 Optional AI Features

If you use AI Advice (Reports), the App sends a compact summary of the period you are viewing to OpenAI, our AI provider, to write a short piece of advice. The summary contains totals (income, expenses, balance), the number of transactions, spending amounts per category and how they changed compared to the previous period, and the period label and currency symbol. It does not contain individual transactions, notes or dates.

If you use receipt scanning, the photo of the receipt you choose is sent to OpenAI so it can read the amount, merchant and date. A receipt may contain whatever is printed on it, such as a store name or the last digits of a card. The result is shown to you to review before anything is saved. Photos are not stored on our servers.

Both features are optional and run only when you tap them. OpenAI processes the request under its own terms and privacy policy. We do not send your name, email or any account details, because the App has no accounts.

2.4 Analytics, Crash Reports, Notifications and Configuration (Google Firebase)

The App uses Google Firebase for anonymous usage analytics (Firebase Analytics), crash reports (Crashlytics), push notifications (Firebase Cloud Messaging, which uses a random device token) and remote configuration (Firebase Remote Config). These services receive technical data such as device model, OS version, app version, a random installation identifier and usage events. They do not receive your transactions, categories or budgets.

#3. Advertising

Money Manager displays ads through Google AdMob. These ads help us keep the App free. AdMob may use your device's Advertising ID to serve personalized ads based on your interests. Where the law requires it (for example in the EEA and UK), the App asks for your consent through Google's consent form before any ad is requested.

Your Advertising Choices: You can opt out of personalized advertising at any time:

• Android: Settings → Google → Ads → Delete Advertising ID or Opt out of Ads Personalization
• iOS: Settings → Privacy → Tracking → disable "Allow Apps to Request to Track"

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

#4. In-App Purchases

Money Manager offers an optional in-app purchase (Remove Ads) processed through the Google Play Store. We do not collect or store any payment information. All purchase transactions are handled entirely by Google. Please refer to Google Play Terms of Service for details.

#5. Data Sharing and Disclosure

We do not sell your data. Data leaves your device only in these cases: (1) advertising-related data collected directly by Google AdMob (Section 3); (2) the limited data described in Sections 2.3 and 2.4 (OpenAI for the optional AI features; Google Firebase for analytics, crash reports, notifications and configuration); and (3) anything you choose to export or share yourself.

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

#6. Data Deletion

Since all data is stored locally on your device, you are in full control of deletion:

• Delete all transactions: Use the "Delete All Data" option in the App's Settings
• Delete the App: Uninstalling Money Manager will permanently remove all locally stored data from your device

There is no data on our servers to delete because we never collect any.

#7. Data Security

Because your data is stored locally on your device, its security depends on your device's own security features (screen lock, encryption, etc.). We recommend keeping your device's operating system and security settings up to date. We implement reasonable measures within the App to protect local data integrity.

#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 personal data, most requests are automatically fulfilled by the nature of the App. For advertising-related data collected by Google AdMob, please contact Google directly or use the opt-out options described in Section 3.

For any privacy concerns or questions, contact us at support@dltechapps.com.

#10. Third-Party Services

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

• Google AdMob — Advertising: policies.google.com/privacy
• Google Play Billing — In-app purchases: play.google.com/about/play-terms

#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)

FGND Core GmbH
Hauptstrasse 151, 10827 Berlin, Germany
Email: dl-technologies@core-privacy.eu

This contact is for GDPR-related privacy matters and requests from EU supervisory authorities and individuals in the EU.

#13. Contact Us

#14. Definitions

• Application/App: The Money Manager mobile application
• Company/We/Us/Our: DL Technologies, located in Mozambique
• Device: Any device that can access the App (smartphone, tablet, etc.)
• 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