Privacy Policy

1. Introduction

This Privacy Policy describes how Paisa Note, formerly known as mMoney, ("we," "our," or "us") collects, uses, and protects your information when you use our mobile application and related services. Paisa Note is the same app and account as mMoney, renamed.

By using the Paisa Note app, you agree to the collection and use of information in accordance with this policy. We are committed to protecting your privacy and ensuring the security of your personal information.

2. Information We Collect

2.1 Personal Information

When you create an account or use our services, we may collect:

• Name and contact information (email address, phone number)
• Profile information and preferences
• Financial information you choose to input (expenses, bills, etc.)
• Authentication credentials for third-party services

2.2 Usage Information

We automatically collect certain information about your use of the app:

• Device information (device type, operating system, unique device identifiers)
• App usage patterns and interactions
• Performance data and crash reports
• Network information and IP addresses

2.3 Financial Data

We collect financial information you input into the app, such as:

• Expense amounts and categories
• Bill details and due dates
• Group expense information
• Payment and settlement records

2.4 Bank Transaction Messages

If you allow it during setup, Paisa Note reads bank transaction messages on your phone to add entries automatically. OTPs, offers and personal chats are skipped on your phone and never sent to us. You can turn this permission off at any time in your phone's settings.

2.5 Contacts

When you split an expense with someone, we match your phone contacts as scrambled codes so we can find friends who already use Paisa Note. We do not save your contacts' names or numbers. If you used an earlier version of the app that uploaded contact details directly, those records from earlier versions are kept until you delete your account.

3. How We Use Your Information

We use the collected information for the following purposes:

Purpose	Description
Service Provision	To provide and maintain the Paisa Note app and its features
User Experience	To personalize your experience and improve app functionality
Communication	To send important updates, notifications, and support messages
Analytics	To analyze usage patterns and improve our services
Security	To protect against fraud and ensure app security
Legal Compliance	To comply with applicable laws and regulations

4. Subscription and Billing Information

4.1 Subscription Data Collection

When you subscribe to premium features, we collect additional information:

• Subscription plan details and preferences
• Payment method information (processed securely by app stores)
• Billing history and transaction records
• Subscription status and renewal dates
• Usage patterns of premium features

4.2 Auto-Renewal and Billing

4.3 Payment Processing

Payment processing is handled by third-party app stores:

• Google Play Store: Handles Android app subscriptions and billing
• Apple App Store: Manages iOS app subscriptions and billing
• We do not store or process your payment card information directly
• Payment data is subject to the respective app store's privacy policies

4.4 Subscription Analytics

We analyze subscription data to:

• Improve premium features and user experience
• Optimize pricing and subscription plans
• Provide personalized subscription recommendations
• Monitor subscription health and retention

4.5 Subscription Communications

We may send subscription-related communications:

• Renewal reminders and confirmations
• Billing receipts and statements
• Subscription plan updates and changes
• Premium feature announcements and tips
• Customer support for billing issues

5. Information Sharing and Disclosure

5.1 We Do Not Sell Your Data

We do not sell, trade, or rent your personal information to third parties for marketing purposes.

5.2 Third-Party Service Providers

We may share information with trusted third-party service providers who assist us in:

• App analytics and performance monitoring
• User authentication and security
• Payment processing and financial services
• Customer support and communication

5.3 Legal Requirements

We may disclose your information when required by law, such as:

• To comply with legal processes or government requests
• To protect our rights, property, or safety
• To investigate fraud or security issues

5.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction.

6. Data Security

6.2 Data Breach Response

In the unlikely event of a data breach, we will:

• Notify affected users within 72 hours
• Take immediate steps to contain the breach
• Cooperate with relevant authorities
• Implement additional security measures

7. Data Retention

We retain your information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Improve our services

You may request deletion of your data at any time by contacting us.

Bank transaction messages you allow are kept with your account for as long as your account exists, and deleting your account deletes them. Contact records kept from earlier versions of the app are kept until you delete your account, at which point they are removed and redacted along with everything else tied to your account.

8. Your Rights and Choices

8.1 Access and Control

You have the right to:

• Access your personal information
• Correct inaccurate information
• Delete your account and data
• Export your data
• Opt-out of certain communications

8.2 Account Deletion

To delete your account and associated data, you can:

• Use the delete account feature in the app
• Contact us directly at trei.mainguy@gmail.com
• Uninstall the app (data will be retained according to our retention policy)

Deleting your account deletes your entries, accounts, goals, bank transaction messages, and any contact records kept from earlier versions.

9. Third-Party Services

Our app integrates with third-party services that have their own privacy policies:

Service	Purpose	Privacy Policy
Google Sign-In	User authentication	Google Privacy Policy
Firebase Analytics	App analytics and crash reporting	Firebase Privacy Policy
Google Play Services	App distribution and updates	Google Privacy Policy

9a. Emails and Unsubscribe

Any email we send you, including an occasional win-back email if you have been away for a while, carries a one-click unsubscribe link that works instantly with no sign-in required. We keep no record tying an unsubscribe back to your account beyond what is needed to honour it.

9b. Advertising

The free version of Paisa Note shows ads through Google's ad network, which may use identifiers permitted by your device settings. Premium removes these ads; Premium does not add any other feature beyond ad removal.

10. Children's Privacy

Our app 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.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your data during such transfers.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

• Posting the new policy in the app
• Sending you a notification
• Updating the effective date

Your continued use of the app after changes are posted constitutes acceptance of the updated policy.

12. Effective Date

This Privacy Policy is effective as of January 2025, and was last updated September 2026.