Privacy Policy

Effective Date: July 2025
Last Updated: July 2025

1. Introduction and Scope

This Privacy Policy describes how PikiMoney ("we," "us," or "our") collects, uses, stores, and discloses your information when you use our mobile application and related services (collectively, the "App"). Your privacy and the security of your data are important to us.

By downloading, accessing, or using the App, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your information as described in this Privacy Policy and our Terms of Service. If you do not agree with this Policy, you must not use the App.

2. Information We Collect

We collect information in the following ways to provide and improve the App:

a. Information You Provide to Us Voluntarily

• Financial Data You Enter: This includes any and all data you input into the App, such as income, expenses, transaction details, categories, budget amounts, and notes ("Financial Data"). This data is the core of the App's functionality and is processed solely to provide you with the service you have requested.
• Communications: If you contact us for support or other inquiries, we will collect your name, email address, and the content of your message. This information is used solely to respond to your requests.

b. Information Collected Automatically

• Usage Data: We automatically collect information about how you interact with the App, such as features used, taps, time spent in the App, and general usage patterns.
• Device Information: We collect data about the device you use to access the App, including device model, operating system version, unique device identifiers, language settings, and mobile network information.
• Diagnostic and Performance Data: We collect crash reports and performance data to diagnose and fix technical problems and improve the stability of the App.

c. Permissions

• Camera Access: The App may request permission to access your device's camera to enable features like scanning receipts. This access is optional. We do not access your camera or photos unless you explicitly use this feature. Images are processed for the feature's function and are not stored or transmitted by us unless required for the feature's operation, which you will be notified of.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To Provide and Maintain the App: To operate the App's features, including storing, processing, and displaying your Financial Data as you direct.
• To Improve and Personalize the App: To understand user behavior, fix bugs, develop new features, and enhance the user experience.
• To Provide Customer Support: To respond to your questions, comments, and requests.
• For Security and Fraud Prevention: To protect the integrity of our App and to enforce our Terms of Service.
• To Display Advertisements: To display third-party advertisements that help us offer the App for free, as detailed in Section 5.
• To Comply with Legal Obligations: To comply with applicable laws, regulations, or legal processes.

4. How We Share and Disclose Your Information

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

• With Service Providers: We share information with third-party vendors and service providers who perform services on our behalf, such as cloud hosting, analytics, AI processing, and advertising. These providers are contractually obligated to protect your data and use it only for the services we have engaged them for.
• For Legal Reasons: We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to comply with a legal obligation, protect and defend our rights or property, prevent fraud, or protect the personal safety of our users or the public.
• In a Business Transfer: In the event of a merger, acquisition, financing, reorganization, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

5. Third-Party Services

a. OpenAI (AI Chatbot Feature)

Our optional AI chatbot feature is powered by OpenAI's API. When you use this feature, the content of your conversation, which may include your Financial Data queries, is sent to OpenAI to generate a response.

IMPORTANT: This feature is for informational and organizational purposes ONLY. IT DOES NOT PROVIDE FINANCIAL, INVESTMENT, OR TAX ADVICE. Its responses are generated by AI and may be inaccurate or incomplete. You are solely responsible for verifying any information and for your financial decisions. Do not input sensitive personal identifiers (e.g., bank account numbers, social security numbers) into the chatbot.

By using the chatbot, you agree to OpenAI's data handling practices. Review their Privacy Policy: https://openai.com/policies/privacy-policy.

b. Google AdMob (Advertising)

We use Google AdMob to display advertisements in the App. AdMob may collect and use data about you, such as your device identifier and usage data, to provide personalized ads.

You can opt-out of personalized advertising by adjusting the settings on your mobile device. For more information, please review Google's Privacy Policy: https://policies.google.com/privacy.

6. Data Security and Storage

We implement commercially reasonable administrative, technical, and physical security measures to protect your information from unauthorized access, use, or disclosure. Your Financial Data may be stored locally on your device and/or on secure cloud servers.

However, you acknowledge that NO METHOD OF TRANSMISSION OVER THE INTERNET OR METHOD OF ELECTRONIC STORAGE IS 100% SECURE. Therefore, while we strive to use commercially acceptable means to protect your information, WE CANNOT GUARANTEE ITS ABSOLUTE SECURITY. You are also responsible for securing your device and any credentials used to access the App. Any data you transmit to or store in the App is at YOUR OWN RISK.

7. Data Retention

We will retain your information for as long as is necessary to provide you with the App's services, or as required to comply with our legal obligations, resolve disputes, and enforce our agreements. You may delete your data at any time through the App's settings or by contacting us.

8. Your Data Rights and Choices

You have certain rights and choices regarding your information. Depending on your location, these may include the right to:

• Access and Update: You can access and update most of your Financial Data directly within the App.
• Delete: You can request the deletion of your account and associated data. Please note that we may be required to retain certain information for legal or legitimate business purposes.
• Object to Processing: You may have the right to object to our processing of your information for certain purposes.

To exercise these rights, please use the tools provided in the App or contact us at the email address below.

9. CRUCIAL DISCLAIMERS: NO FINANCIAL ADVICE & USER RESPONSIBILITY

THE APP IS PROVIDED "AS IS" AND IS INTENDED FOR PERSONAL BUDGETING AND TRANSACTION TRACKING PURPOSES ONLY. IT IS A PASSIVE TOOL FOR YOU TO STORE AND ORGANIZE DATA THAT YOU PROVIDE.

• NO FINANCIAL, INVESTMENT, LEGAL, TAX, OR ANY OTHER PROFESSIONAL ADVICE IS PROVIDED, INTENDED, OR IMPLIED. NOTHING WITHIN THE APP CONSTITUTES A RECOMMENDATION, SOLICITATION, OR OFFER BY PIKIMONEY TO BUY OR SELL ANY SECURITIES OR MAKE ANY FINANCIAL DECISIONS.
• YOU ARE SOLELY AND EXCLUSIVELY RESPONSIBLE FOR YOUR FINANCIAL DECISIONS, ACTIONS, AND THEIR CONSEQUENCES. YOUR USE OF THE APP AND ANY INFORMATION OR CALCULATIONS GENERATED THEREIN IS ENTIRELY AT YOUR OWN RISK.
• WE DISCLAIM ALL LIABILITY FOR ANY FINANCIAL LOSSES, DAMAGES, ERRORS, OR INACCURACIES THAT MAY RESULT FROM YOUR USE OF THE APP. WE DO NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY DATA STORED, DISPLAYED, OR GENERATED BY THE APP. YOU ARE RESPONSIBLE FOR VERIFYING THE ACCURACY OF ALL INFORMATION YOU ENTER AND ANY RESULTING CALCULATIONS.

10. Children's Privacy

The App is not directed to individuals under the age of 13 (or the equivalent minimum age in your jurisdiction). We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information, we will take steps to delete such information. If you are a parent or guardian and believe your child has provided us with information, please contact us.

11. International Data Transfers

Your information may be transferred to, and maintained on, computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. By using the App, you consent to this transfer.

12. 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 on this page and updating the "Last Updated" date. We may also provide notice through the App or other means. Your continued use of the App after any changes constitutes your acceptance of the new Privacy Policy.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your data, please contact us at:

Email: privacy@pikimoney.com