Money Cycle - Expense & Income Tracker

Last Updated: June 01, 2026

This Privacy Policy explains how Money Cycle – Expense & Income Tracker (the "App") collects, uses, stores, and protects personal data of its users. By using this App, you consent to this Privacy Policy. Please read it carefully before using the App.

Data Controller

Company: Fine Apps Studio
Representative: Duru Selin Yilmaz
Contact Email: info@fineappstudio.com
Jurisdiction: Courts and Enforcement Offices of IZMIR, TURKEY

1. Data We Collect

1.1 User Account Information

When you sign up with Google Authentication, we collect:
• Full name
• Email address

•Age
• Google user ID (through Google Sign-In)

1.2 Financial Data

Money Cycle is an expense and income tracking tool only. It does not provide financial advice, investment recommendations, or professional financial guidance. Users voluntarily enter the following data:

• Income and expense records (description, amount, currency, category, date)
• Recurring transaction definitions and schedules
• Currency selection and exchange rate preferences
• Calendar dates and transaction history
• Monthly and yearly financial summaries

Important: Financial data is collected solely to provide the App's core tracking features. This data is:
✓ Processed only for the purposes described in this Privacy Policy
✓ Never used for advertising, ad targeting, or user profiling
✓ Never shared with third parties for marketing purposes
✓ Protected with industry-standard encryption

1.3 Device and Technical Information

• Device ID and application version
• Operating system and platform information (Android version)
• IP address (collected by Firebase for analytics and fraud prevention)
• Crash reports and error logs (via Firebase Crashlytics)
• App usage metrics: last login date, account creation date, session duration
• User preferences: notification settings, display language, theme selection

1.4 Payment Information

All payment data is handled exclusively by Google Play Billing. Money Cycle does not collect, store, or have access to payment card information. Google manages your payment card data with industry-standard security.

2. How We Use Your Data

2.1 Data Processing and Legal Basis

We process your data based on:

(a) Your consent – for using the App
(b) Contractual necessity – to provide core tracking features
(c) Legitimate interest – to improve App performance, ensure data integrity, and prevent fraud

2.2 Specific Uses

Your data is used for:

• Providing expense and income tracking functionality
• Generating monthly/yearly financial summaries
• Authenticating your account
• Sending notifications (transaction reminders, budget alerts – optional)
• Diagnosing technical issues and improving App stability
• Preventing fraud and ensuring data security

3. Pricing and Payment

3.1 One-Time Purchase

Money Cycle is available on Google Play Store as a paid app.

Purchase Price:
• $0.99 USD (United States)
• €0.99 EUR (Europe)
• Pricing may vary by country in local currency

After purchase, you have permanent access to all features and functionality of Money Cycle. There are no additional fees, subscriptions, or hidden costs.

3.2 Features Included

All features are included with your one-time purchase:

✓ Unlimited income and expense entries
✓ Full transaction history (view all past months)
✓ Theme customization (Candy Pink, Midnight, Ocean Blue)
✓ Dark mode support
✓ Cloud backup of financial data
✓ Data export (PDF format)
✓ Advanced analytics and spending insights
✓ Budget planning and spending limits
✓ No ads (completely ad-free)
✓ Notifications and alerts

3.3 Payment Processing

All payments are processed exclusively through Google Play Billing. Money Cycle does not directly collect, store, or process payment card information. All transactions are subject to Google Play's Terms of Service and Billing Policies.

3.4 Refunds

Refund requests are handled exclusively by Google Play according to their refund policies. Users may request refunds at: https://support.google.com/googleplay/answer/2479637

For users in EU, UK, and other jurisdictions with statutory withdrawal rights, you may also contact us at info@fineappstudio.com to request a refund in accordance with applicable consumer protection laws.

4. Third-Party Services

Money Cycle uses the following third-party services. Each has its own privacy policy:

• Firebase (Google LLC) – Data storage, authentication, analytics, crash reporting
• Google Play Billing – Payment processing
• Google Analytics – Anonymized usage analytics (IP addresses are anonymized/masked, and no financial data is processed)

We encourage you to review each service's privacy policy:
• Google/Firebase: https://policies.google.com/privacy

4.1 Data Sharing Limitations

IMPORTANT: Money Cycle does not:

✗ Collect or display advertisements
✗ Sell personal or financial data
✗ Share financial data with third parties
✗ Share financial data with marketing partners
✗ Use financial data for user profiling

We only share data with service providers as necessary to operate the App. All data sharing is contractually limited and compliant with privacy laws.

5. Data Storage and Security

5.1 Where Your Data is Stored

All user data is stored on Google Firebase infrastructure, which operates data centers across multiple regions. Your data may be processed in the United States or other countries where Firebase operates, in accordance with the EU Standard Contractual Clauses (SCCs) for international data transfers.

5.2 Security Measures

Your data is protected through:

• AES-256 encryption for data at rest
• HTTPS/TLS encryption for data in transit
• Google's industry-standard security infrastructure
• Secure OAuth authentication (Google Sign-In)
• Regular security audits and compliance checks

While we implement robust security measures, no method of internet transmission is 100% secure. You use the App at your own risk.

5.3 Data Breach Notification

In the event of a data breach affecting user rights or freedoms, we will notify affected users and relevant supervisory authorities without undue delay, as required by applicable law.

6. Data Retention and Deletion

6.1 How Long We Keep Your Data

User data is retained while your account is active. When you delete your account:

• Personal data is deleted or anonymized within 30 days
• Financial data is securely destroyed
• Some anonymized analytics data may be retained for technical purposes

6.2 How to Delete Your Account

To permanently delete your account and all associated data:

1. Open the App
2. Go to Profile → Settings
3. Scroll to bottom → "Delete Account"
4. Confirm deletion (this is irreversible)

Note: Account deletion is permanent. All financial data will be permanently deleted.

7. Your Privacy Rights

7.1 General Rights (All Users)

All users have the right to:

• Access their personal data
• Request correction of inaccurate data
• Request deletion of their account and data
• Withdraw consent at any time
• Receive an explanation of how their data is used

7.2 GDPR Rights (EEA, UK, Swiss Users)

Users in the European Economic Area, United Kingdom, and Switzerland have additional rights under GDPR:

• Right to rectification – correct inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability – receive your data in portable format
• Right to object to processing
• Right to lodge a complaint with your local data protection authority

You can contact your local data protection authority if you believe your rights have been violated.

7.3 CCPA and State Privacy Rights (US Users)

Residents of California, Virginia, Colorado, Connecticut, Utah, and other US states with privacy laws have the right to:

• Know what personal data is collected
• Delete personal data (right to deletion)
• Correct inaccurate data
• Opt-out of data selling or sharing for behavioral advertising

Important: Money Cycle does not sell or share your personal or financial data for any purpose. Your financial data is kept private and secure.

7.4 How to Exercise Your Rights

To exercise any of these rights, contact us at:

Email: info@fineappstudio.com

Please include:
• Your request (access, correction, deletion, portability, objection)
• Your account email or user ID
• Specific details about your request

We will respond to all requests within 30 days (or as required by applicable law).

8. Children's Privacy (COPPA Compliance)

8.1 Age Requirement

Money Cycle is not intended for children under 13. We do not knowingly collect data from children under 13. If we discover that a child under 13 has provided personal data, we will delete it immediately.

8.2 Age Verification

During registration, users must provide their age. Users indicating an age below 13 will not be permitted to create an account. Any data provided during such an attempt is not retained.

8.3 Teens (Ages 13-17)

Users aged 13-17 may use Money Cycle only with explicit consent and supervision of a parent or legal guardian. The parent or guardian is responsible for:

• Providing consent for the teen's use of the App
• Providing payment information for the initial purchase (payment must be authorized by parent/guardian)
• Supervising the teen's use of the App

Parents can manage and refund purchases through their Google Play account settings.

8.4 False Age Declaration

If a user falsely declares their age, Money Cycle cannot be held responsible. If you suspect a child under 13 is using the App, please contact us immediately at info@fineappstudio.com so we can delete their data.

9. No Financial Advice

Money Cycle is a personal expense and income tracking tool only. It does not:

• Provide financial advice
• Make investment recommendations
• Offer tax or legal guidance
• Serve as a substitute for professional financial, tax, or legal advice

Users are solely responsible for their financial decisions. Always consult with qualified professionals (financial advisors, accountants, lawyers) before making significant financial decisions.

10. Notifications and Communication

Money Cycle may send push notifications for:

• Transaction reminders (optional)
• Budget alerts (optional)
• Monthly summaries (optional)
• Important App updates

You can disable push notifications anytime in your device settings. Disabling notifications may affect the functionality of certain App features.

11. International Data Transfers

Personal data may be transferred to, stored in, and processed in countries outside your country of residence, including the United States. Such transfers are made in accordance with applicable data protection laws, including the EU Standard Contractual Clauses (SCCs) where applicable. By using Money Cycle, you consent to such transfers.

12. Changes to This Privacy Policy

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

• An in-app notification
• Email notification
• Update to the "Last Updated" date at the top of this policy

Continued use of Money Cycle after updates constitutes acceptance of the revised policy. We encourage you to review this policy periodically.

13. Privacy Policy Access

You can access this Privacy Policy and Terms of Service at any time:

• Within the App: Profile → Settings → Privacy Policy

If you have accessibility concerns regarding this policy, please contact us at info@fineappstudio.com

14. Contact Us

For questions about this Privacy Policy or our privacy practices, contact:

Company: Fine Apps Studio
Representative: Duru Selin Yilmaz
Email: info@fineappstudio.com
Jurisdiction: Courts and Enforcement Offices of IZMIR, TURKEY

Data Protection Authority (EU/EEA):
If you believe your rights have been violated, you have the right to lodge a complaint with your local data protection authority.

By using Money Cycle, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.