Moneycaps — Privacy Policy
Effective 13 November 2026
What we collect and store on our servers
- Account info — your name, email address and phone number, stored with our backend provider (Supabase) to run your login.
- Profile settings — the profile details you choose to enter or edit: preferred currency, salary day, age, monthly income, profile photo, Tax PCB settings and the tax-relief amounts you enter in the relief tracker. These are saved to your account so they follow you when you sign in again.
- Subscription status — handled by RevenueCat and Apple, so we never see your payment card details. RevenueCat receives your account ID and purchase status.
What stays only on your device
- Financial records — transactions, accounts, budgets, goals, bills, claims and notes. These are encrypted on your device and are never uploaded to our servers.
- Receipt photos — photos you attach to a transaction or claim are encrypted and stored on your device only. They are not sent to us or to any third party.
Because this data lives only on your device, it is not backed up by us. If you delete the app or lose your device, it cannot be recovered by us.
What we don't do
- We never see or ask for your bank login, card number, or OTPs — Moneycaps is manual entry only.
- We don't run analytics or ad tracking, and we don't sell your data to anyone.
- Moneycaps is an independent budgeting app and is not affiliated with, endorsed by, or operated by any bank.
Security
Your transactions and receipts are encrypted on-device (AES-256) before they're saved. Account traffic to our backend runs over HTTPS. You can also turn on Face ID/Touch ID app lock in this device's settings.
Your rights
You can edit your profile any time in Settings, and permanently delete your account and all associated data from Settings → Delete account. For any other request (data export, correction), contact us at royangroup.dev@gmail.com.
Changes to this policy
If this policy changes, we'll update the effective date above. Continued use of the app after a change means you accept the updated policy.