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Privacy Policy

A money app only works if you trust it. Here is exactly what we collect, why, and the control you keep — the same policy that ships inside the app, nothing hidden.

Effective 2026 · Master of Coin, Nairobi, Kenya

01

1. Information We Collect

  • Personal Information: Name, email address, phone number, and profile information.
  • Financial Data: Transaction details, spending patterns, budget information, and payment methods.
  • Device Information: Device type, operating system, unique device identifiers, and IP address.
  • Usage Data: How you interact with the app, features used, and time spent.
  • SMS Messages: For M-Pesa and bank transaction detection (only processed locally with your consent).
02

2. How We Use Your Information

  • Track and categorize your expenses automatically
  • Create and manage budgets based on your spending patterns
  • Provide personalized financial insights and recommendations
  • Detect and prevent fraudulent transactions
  • Improve our services and develop new features
  • Communicate important updates and security alerts
03

3. Data Storage & Security

  • All data is encrypted in transit using TLS/SSL protocols
  • Your financial data is stored securely on our servers with AES-256 encryption
  • We implement strict access controls and regular security audits
  • SMS messages are processed locally on your device when possible
  • Data backups are encrypted and stored securely
04

4. Data Sharing & Third Parties

  • We never sell your personal or financial data to third parties
  • Data may be shared with service providers who assist in app functionality (hosting, analytics)
  • We may share anonymized, aggregated data for research purposes
  • Information may be disclosed if required by law or to protect our rights
05

5. Your Rights & Choices

  • Access and download your personal data at any time
  • Request correction or deletion of your information
  • Opt out of data collection for analytics
  • Delete your account and all associated data
  • Choose which SMS messages to import
  • Review and approve transactions before they are processed
06

6. SMS Message Processing

  • We only access SMS messages when you explicitly paste them for import
  • Messages are processed locally on your device for transaction detection
  • No message content is stored permanently without your consent
  • You can review all imported transactions before approval
  • Messages containing sensitive information can be skipped or ignored
07

7. Data Retention

  • We retain your data as long as your account is active
  • Transaction history is kept for financial tracking and reporting
  • You can delete individual transactions or your entire account at any time
  • Anonymized data may be retained for analytics and service improvement
08

8. Children's Privacy

  • Our services are not intended for users under 13 years of age
  • We do not knowingly collect information from children under 13
  • If we learn we have collected data from a child under 13, we will delete it promptly
09

9. International Data Transfers

  • Your data may be transferred to and processed in countries outside your residence
  • We ensure appropriate safeguards are in place for international transfers
  • All data handling complies with applicable data protection laws
10

10. Changes to This Policy

  • We may update this privacy policy from time to time
  • Significant changes will be notified via email or in-app notification
  • Continued use of the app constitutes acceptance of the updated policy
  • You can review the latest version at any time in the app settings
11

11. Contact Us

  • For privacy-related questions or concerns, contact our Data Protection Officer at:
  • Email: mstrfcn@gmail.com
  • Address: Nairobi, Kenya

Questions about your data or these terms? Email mstrfcn@gmail.com.

Privacy Policy·Terms of Use