Privacy Policy

Last updated: February 7, 2026

Money Mumma ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.

1. Information We Collect

Personal Information

When you create an account, we may collect:

• Name
• Email address
• Authentication credentials (encrypted)

Information from Third-Party Authentication

If you choose to sign in using Google or Apple, we receive:

• Your name (as provided by the service)
• Your email address
• A unique identifier from the authentication provider

We do not receive or store your passwords from these services.

User-Generated Content

When you submit Money Wins to share with the community, we collect:

• The content you submit (title, description, categories)
• Your sharing preferences
• Completion data and notes you add

Subscription & Payment Data

If you choose to subscribe, we collect the following through our payment processor (RevenueCat):

• Subscription status (active, expired, cancelled)
• Transaction identifiers
• Purchase dates and renewal information

We do not collect or store your payment card details. All payment processing is handled by Apple (App Store) or Google (Play Store).

Usage & Analytics Data

We automatically collect certain information about your device and usage through our analytics provider (Vexo), including:

• Device type and operating system
• App version
• Screen views and navigation patterns
• Taps and interaction events
• App open and close events
• Session duration and frequency
• Custom events related to feature usage (e.g. completing a Money Win, subscribing)
• Crash reports and performance data

Analytics data is collected to help us understand how the app is used and to improve your experience. Vexo may also capture anonymised session replays to help us identify usability issues. No personally identifiable information is stored by Vexo; however, we may link an anonymous device identifier to your account for support and debugging purposes.

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Create and manage your account
• Track your savings progress and completions
• Display community-shared Money Wins (with your consent)
• Moderate user-generated content for safety
• Respond to your inquiries and support requests
• Send important notices about the app
• Analyze usage to improve user experience

3. How We Share Your Information

We do not sell your personal information. We may share information in the following circumstances:

• Community Content: If you choose to share a Money Move with the community, other users can see your submission (but not your personal details unless you choose to display them).
• Service Providers: We use Convex for our backend infrastructure. Your data is stored securely on their servers.
• Legal Requirements: We may disclose information if required by law or to protect our rights and safety.

4. Data Storage and Security

Your data is stored securely using Convex, a cloud-based backend service. We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Secure authentication practices
• Regular security assessments

5. Your Rights and Choices

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your account and personal data
• Sharing Control: Choose whether to share your Money Moves with the community
• Blocking: Block other users whose content you don't wish to see

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

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. You may request deletion of your account at any time. After deletion, we may retain certain information as required by law or for legitimate business purposes.

7. Children's Privacy

Money Mumma is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

8. Third-Party Services

We use the following third-party services to operate our app:

• Convex — Backend infrastructure and data storage. Your account data and user-generated content are stored securely on Convex servers.
• RevenueCat — Subscription and payment management. If you choose to subscribe, RevenueCat processes your subscription status, purchase history, and transaction identifiers. RevenueCat does not have access to your payment card details, which are handled directly by Apple or Google. For more information, see RevenueCat's Privacy Policy.
• Google & Apple Sign-In — Authentication services used to securely sign you into the app.
• Vexo — Analytics and session replay. Vexo collects anonymised usage data including screen views, interaction events, session replays, and custom analytics events to help us understand how the app is used and improve the user experience. Vexo does not collect personally identifiable information. For more information, see Vexo's Privacy Policy.

Our app may also contain links to other third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy in the app and updating the "Last updated" date. Your continued use of the app after changes constitutes acceptance of the updated policy.