Privacy Policy

1. Who I am

ExpertMoney (the app) is developed and operated by Voinea David Adrian, an independent developer acting as a private individual ("I", "me"). I am the data controller for the information described below. If you have questions about this policy or your data, contact me at support@expert-money.com.

2. What I collect

I only collect what the app needs to work. There is no advertising SDK and no third-party analytics tracker in ExpertMoney.

• Account data. Your email address and an encrypted authentication token, handled by Google Firebase Authentication. I never see or store your password.
• Financial data you enter. Income, fixed costs, transactions, budgets, savings goals, accounts, credits and recurring payments. This is data you type in yourself — I do not connect to your bank and I do not import statements.
• Profile data. Your display name, chosen currency and, optionally, a profile picture you upload.

I do not collect your location, contacts, browsing history, device advertising identifier, or any biometric data.

3. Biometrics stay on your device

When you enable the Face ID or Touch ID app lock, authentication is performed entirely by iOS or Android on your device. Your fingerprint and face data never leave your phone and are never transmitted to me — the operating system only tells the app whether the check passed.

4. How I use your data

• To provide the core features: budgets, goals, balances and reports.
• To sync your data across your own devices when you sign in.
• To respond to support requests you send me.

I do not sell your data. I do not share it with advertisers. I do not use your financial records to build marketing profiles.

5. Where your data is stored

Your financial records and any files you upload are stored in Google Cloud's western Europe region, inside the European Union, using Firebase Firestore and Firebase Storage. Data is encrypted in transit using TLS and encrypted at rest by the hosting provider. Access rules on the server restrict each record so that it can only be read or written by the account that created it.

Firebase Authentication — which holds only your email address and login tokens, never your financial data — is operated by Google as a global service, so that limited account information may be processed outside the European Economic Area. Google acts as my processor for it under its data processing terms, which include the European Commission's Standard Contractual Clauses.

6. Third parties I rely on

• Google Firebase — authentication, database and file storage.

This provider processes data on my behalf under its own terms. I do not pass your data to anyone else.

7. How long I keep it

I keep your data for as long as your account exists. When you delete your account, your records are removed from my systems within 30 days. Backups holding residual copies are rotated out within 90 days.

8. Your rights

Depending on where you live, you may have the right to access, correct, export or erase your data, to object to processing, and to lodge a complaint with a supervisory authority.

• Delete your account. Open Profile in the app and tap Delete Account. This permanently erases your account and the financial records attached to it.
• Request a copy. Email support@expert-money.com and I will respond within 30 days.

9. Children

ExpertMoney is not intended for children under 16. I do not knowingly collect data from them. If you believe a child has created an account, contact me and I will remove it.

10. Changes to this policy

If I change this policy materially, I will update the date at the top and notify you in the app before the change takes effect.

11. Contact

Voinea David Adrian — independent developer of ExpertMoney
support@expert-money.com