Privacy Policy

Service: Simple Money Tracker ("Simple Money Tracker", "we", "us", "our")

Last Updated: 31/03/2026

1. Introduction

Welcome to Simple Money Tracker ("we," "us," or "our"). We are committed to protecting your personal data and respecting your privacy. This Privacy Policy explains how we collect, use, process, and protect your information when you use our website (https://simplemoneytracker.com), application, Telegram bot, and related services (collectively, the "Service").

This policy is designed to comply with stringent global privacy standards, including the General Data Protection Regulation (GDPR) of the European Union, and Decree 13/2023/ND-CP on Personal Data Protection of Vietnam.

By using the Service, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

We collect information to provide, secure, and improve our Service. The categories of data we collect include:

A. Personal Identification Data

Profile Information: User name, email address, and date of birth (provided during registration or Google Log-in).
Authentication Data: Tokens provided via Google Log-in. We do not store traditional passwords.

B. Financial and Transaction Data

Expense Records: Spending amounts, categories, titles, and notes you manually input or send via Telegram.
Payment Information: When you purchase our Pro subscription, payments are securely processed by PayPal. We do not collect, process, or store your raw credit card numbers or bank account passwords. We only store subscription status and indirect transaction reference IDs.

C. User-Generated Content and Files

Storage Data: Images, receipts, or files you upload to our Storage feature.

D. Device, Usage, and Location Data

Analytics & Cookies: IP address, browser type, device information, and interaction metrics (collected via Google Analytics and Cookies) to improve application performance.
Location Data: Approximate or precise location data, specifically collected to provide contextual notifications (e.g., weather updates). You can revoke location access at any time via your device settings.

3. Artificial Intelligence (AI) and Chatbot Processing

Crucial Disclaimer: Simple Money Tracker utilizes Google Vertex AI and Conversational Agent (Dialogflow CX) to categorize expenses, provide financial insights, and interact with you via chat (including Telegram).

How it works: Text inputs you send to the bot are processed by these AI models to extract expense amounts and categories.
User Responsibility: You are strongly advised NOT to input highly sensitive information into the chatbot, such as full credit card numbers, bank PINs, or social security numbers.
Training: We do not use your personal identifiable information (PII) to train public AI models.

4. Legal Basis for Processing (GDPR Compliance)

We process your data based on the following legal grounds:

Contractual Necessity: To provide the core functionalities of the Service (e.g., tracking expenses, managing Pro subscriptions).
Consent: For collecting location data, using non-essential cookies, and sending marketing emails. You can withdraw this consent at any time.
Legitimate Interests: For system security, fraud prevention, and improving our AI categorization algorithms (using anonymized data).
Legal Obligation: To maintain transaction records for tax and legal compliance.

5. Third-Party Subprocessors

To operate globally, we share your data with trusted third-party service providers ("Subprocessors"). These providers are bound by strict data processing agreements:

Google LLC (Firebase, App Hosting, Vertex AI, Dialogflow CX, Analytics): For database hosting, cloud storage, AI processing, and usage analytics.
PayPal: For processing secure subscription payments.
Telegram FZ-LLC: For routing messages between you and our application.
ZeptoMail (Zoho): For delivering essential transactional and notification emails (e.g., Pro subscription expiry, support responses).

6. International Data Transfers

Your data may be transferred to, stored, and processed in countries outside of your residence (e.g., Google servers in the US, EU, or Asia). We ensure that such transfers are protected by appropriate safeguards, including Standard Contractual Clauses (SCCs) and adherence to local laws like Vietnam's Decree 13.

7. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this policy.

Active Accounts: Data is kept as long as your account is active.
Deleted Accounts: If you delete your account, your personal data and uploaded files will be permanently erased from our active databases within 30 days, except for transaction records required by law (retained for up to 7 years for tax compliance).

8. Your Rights

Under GDPR and Vietnam's Decree 13, you hold the following rights regarding your data:

Right to Access: You can request a copy of the data we hold about you.
Right to Rectification: You can correct inaccurate or incomplete data.
Right to Erasure ("Right to be Forgotten"): You can request the deletion of your account and associated data.
Right to Restrict/Object: You can object to certain processing (e.g., profiling or direct marketing).
Right to Data Portability: You can export your expense data in a structured, machine-readable format.

To exercise these rights: Please contact us at [Insert Contact Email] or use the privacy settings within the app.

9. File Uploads and User Responsibility

You maintain ownership of the files and images you upload to our Storage. However, you agree not to upload illegal, copyrighted, or highly sensitive content. We reserve the right to delete files or suspend accounts that violate our Terms of Use or DMCA Policy. Simple Money Tracker is not liable for data breaches arising from the inherent nature of the files you choose to upload.

10. Security Measures

We implement robust technical and organizational measures to protect your data, including data encryption in transit (HTTPS/TLS) and at rest (via Google Firebase). While we strive for maximum security, no system is 100% immune to breaches. In the event of a data breach affecting your rights, we will notify you and the relevant authorities within 72 hours as mandated by law.

11. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in legal requirements or our services. We will notify you of significant changes via email or an in-app alert.

12. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact our Data Protection Officer (DPO) / Support Team:

Email: support@simplemoneytracker.com

Website: https://simplemoneytracker.com