This Privacy Policy ("Policy") explains how Mochi Money ("App", "we", "us") collects, uses, and protects the personal information of users ("User" or "you").
Data Storage and iCloud
The App uses Apple's CloudKit framework to store and synchronize your data. This means your financial data, including transactions, budgets, wallets, and preferences, is stored in your personal iCloud account.
No personal data is stored on any server owned or accessible by the developer. All data remains within Apple's iCloud infrastructure, which is protected by Apple's industry-leading security measures.
Types of Data Stored
The following data is stored in your iCloud account when you use the App:
- Transaction data: Date, description, amount, and category of your financial transactions
- Budget data: Your budget categories, limits, and tracking information
- Wallet data: Your wallets, savings goals, and their associated balances
- App preferences: Your settings, display preferences, and customization choices
We do not collect, store, or have access to any of this data. It exists solely within your personal iCloud account.
Information We Do Not Collect
We want to be clear about what we do not collect:
- We do not collect your name, email address, or any account information
- We do not collect your financial or banking credentials
- We do not track your location
- We do not collect device identifiers for advertising purposes
- We do not use any analytics or tracking SDKs within the App
- We do not sell or share any user data with third parties
In-App Purchases
In-app purchases are processed entirely by Apple through the App Store. We do not collect or store any payment information. All billing and transaction details are managed by Apple and are subject to Apple's Privacy Policy.
Third-Party Services
Apple iCloud (CloudKit)
The App relies on Apple's CloudKit for data storage and synchronization. Apple's handling of your iCloud data is governed by Apple's Privacy Policy and iCloud Terms and Conditions. Apple encrypts your iCloud data both in transit and at rest.
Apple App Store
The App is distributed through the Apple App Store. Apple may collect certain information related to your use of the App Store, as described in Apple's Privacy Policy.
Data Security
Your data is protected by Apple's iCloud security infrastructure, which includes:
- Encryption of data in transit using TLS/SSL
- Encryption of data at rest on Apple's servers
- Authentication through your Apple ID and device passcode
Since we do not store your data on our own servers, there is no risk of a data breach from our side.
Data Retention
Your data is retained in your iCloud account until you choose to delete it. You can delete your data at any time by:
- Deleting individual transactions, budgets, or wallets within the App
- Deleting all App data through the App's settings
- Removing the App's iCloud data through your device's iCloud storage settings
Your Rights
Since all your data is stored in your personal iCloud account, you have full control over it at all times. You can:
- Access all your data directly within the App
- Edit or correct any data at any time
- Delete any or all of your data
- Export your data from the App
- Stop using iCloud sync at any time
Children's Privacy
The App is not intended for use by children under the age of 13 (or the minimum age required in your country). We do not knowingly collect personal information from children.
Changes to This Policy
We may update this Privacy Policy from time to time. We will notify users of any material changes through the App or our website. Your continued use of the App after any changes indicates your acceptance of the updated policy.
Contact
If you have any questions or concerns regarding this Privacy Policy, please contact us at support@mochimoney.app.