Privacy Policy of MoneyMemories

This Application collects some Personal Data from its Users.

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Owner and Data Controller

auralabs
Bui Duc Lam
Da Nang, Vietnam
Website: https://auralab.cc/

Owner contact email: ad.auralabs@gmail.com

Types of Data collected

Among the types of Personal Data that this Application collects, by itself or through third parties, there are: Camera permission; Photo Library permission; Biometric Data access permission; Notification permission; Calendar permission (optional); Usage Data; app information; device logs; device information; unique device identifiers for advertising (Google Advertiser ID or IDFA, for example); geography/region; number of Users; number of sessions; session duration; In-app purchases; Application opens; Application updates; first launches; operating systems; Universally unique identifier (UUID); Crash information; Trackers; payment data; User ID; email address; first name; last name; profile picture; financial entries (amounts, dates, categories, notes, currencies, merchants); subscription details entered by Users; loan details entered by Users; savings goals entered by Users; photos uploaded or captured by Users; split bill data (participant names, contact identifiers and amounts); content extracted from photos by automated image recognition (e.g. detected amounts, dates, merchant names from receipts or images of cash).

Complete details on each type of Personal Data collected are provided in the dedicated sections of this privacy policy or by specific explanation texts displayed prior to the Data collection.

Personal Data may be freely provided by the User, or, in case of Usage Data, collected automatically when using this Application.

Unless specified otherwise, all Data requested by this Application is mandatory and failure to provide this Data may make it impossible for this Application to provide its services. In cases where this Application specifically states that some Data is not mandatory, Users are free not to communicate this Data without consequences to the availability or the functioning of the Service.

Users who are uncertain about which Personal Data is mandatory are welcome to contact the Owner.

Any use of Trackers by this Application or by the owners of third-party services used by this Application serves the purpose of providing the Service required by the User, in addition to any other purposes described in the present document.

Users are responsible for any third-party Personal Data obtained, published or shared through this Application — including names, contact details and amounts of people they add to a split bill or shared expense.

Mode and place of processing the Data

Methods of processing

The Owner takes appropriate security measures to prevent unauthorized access, disclosure, modification, or unauthorized destruction of the Data.

The Data processing is carried out using computers and/or IT enabled tools, following organizational procedures and modes strictly related to the purposes indicated. In addition to the Owner, in some cases, the Data may be accessible to certain types of persons in charge, involved with the operation of this Application (administration, sales, marketing, legal, system administration) or external parties (such as third-party technical service providers, mail carriers, hosting providers, IT companies, communications agencies, AI/OCR providers) appointed, if necessary, as Data Processors by the Owner. The updated list of these parties may be requested from the Owner at any time.

Place

The Data is processed at the Owner's operating offices and in any other places where the parties involved in the processing are located.

Depending on the User's location, data transfers may involve transferring the User's Data to a country other than their own. To find out more about the place of processing of such transferred Data, Users can check the section containing details about the processing of Personal Data.

Retention time

Unless specified otherwise in this document, Personal Data shall be processed and stored for as long as required by the purpose they have been collected for and may be retained for longer due to applicable legal obligation or based on the Users' consent.

The purposes of processing

The Data concerning the User is collected to allow the Owner to provide its Service, comply with its legal obligations, respond to enforcement requests, protect its rights and interests (or those of its Users or third parties), detect any malicious or fraudulent activity, as well as the following: Device permissions for Personal Data access, Image recognition and content detection, Beta Testing, Analytics, Managing contacts and sending messages, Content performance and features testing (A/B testing), Infrastructure monitoring, Platform services and hosting, Handling payments, Hosting and backend infrastructure, Social features, and Interaction with external social networks and platforms.

For specific information about the Personal Data used for each purpose, the User may refer to the section "Detailed information on the processing of Personal Data".

Device permissions for Personal Data access

Depending on the User's specific device, this Application may request certain permissions that allow it to access the User's device Data as described below.

By default, these permissions must be granted by the User before the respective information can be accessed. Once the permission has been given, it can be revoked by the User at any time. In order to revoke these permissions, Users may refer to the device settings or contact the Owner for support at the contact details provided in the present document. The exact procedure for controlling app permissions may be dependent on the User's device and software.

Please note that the revoking of such permissions might impact the proper functioning of this Application.

If User grants any of the permissions listed below, the respective Personal Data may be processed (i.e. accessed, modified or removed) by this Application.

Camera permission

Used for accessing the camera to capture images of cash, receipts, bills, and personal moments that the User wishes to attach to financial entries. Captured images may be processed by automated image-recognition systems to detect monetary amounts, dates and merchant information so that the User can add them to their history with one tap.

Photo Library permission

Allows access to the User's Photo Library so that existing photos can be selected and attached to financial entries, memories or split-bill records.

Biometric Data access permission

Used for accessing the User's biometric authentication systems, such as Face ID or Touch ID, to lock and unlock the Application or sensitive data.

Notification permission

Used to send the User reminders about subscriptions, loan due dates, savings goals, split-bill settlements and recap-style memories.

Calendar permission (optional)

Used only if the User explicitly chooses to sync MoneyMemories events (e.g. subscription renewals, loan payments) to their device calendar.

Detailed information on the processing of Personal Data

Personal Data is collected for the following purposes and using the following services:

Analytics

The services contained in this section enable the Owner to monitor and analyze app traffic and can be used to keep track of User behavior.

Beta Testing

This type of service makes it possible to manage User access to this Application, or parts of it, for the purpose of testing a certain feature or the entire Application. The service provider may automatically collect data related to crashes and statistics related to the User's use of this Application in a personally identifiable form.

Content performance and features testing (A/B testing)

The services contained in this section allow the Owner to track and analyze the User response concerning traffic or behavior regarding changes to the structure, text or any other component of this Application.

Image recognition and content detection

This type of service allows the Application to analyze photos taken or uploaded by the User in order to automatically detect content such as monetary amounts on banknotes, totals on receipts, merchant names, transaction dates and similar information, so that they can be turned into financial entries with minimal manual input.

Device permissions for Personal Data access

Handling payments

Unless otherwise specified, this Application processes any payments by credit card, bank transfer or other means via external payment service providers. In general and unless otherwise stated, Users are requested to provide their payment details and personal information directly to such payment service providers. This Application isn't involved in the collection and processing of such information: instead, it will only receive a notification by the relevant payment service provider as to whether payment has been successfully completed.

Hosting and backend infrastructure

This type of service has the purpose of hosting Data and files that enable this Application to run and be distributed as well as to provide a ready-made infrastructure to run specific features or parts of this Application. Some services among those listed below may work through geographically distributed servers, making it difficult to determine the actual location where the Personal Data are stored.

Infrastructure monitoring

This type of service allows this Application to monitor the use and behavior of its components so its performance, operation, maintenance and troubleshooting can be improved.

Managing contacts and sending messages

This type of service makes it possible to manage a database of email contacts, push tokens or any other contact information to communicate with the User. These services may also collect data concerning the date and time when the message was viewed by the User, as well as when the User interacted with it, such as by clicking on links included in the message.

Platform services and hosting

Social features

Further information about the processing of Personal Data

Push notifications

This Application may send push notifications to the User to achieve the purposes outlined in this privacy policy — for example, reminders about subscriptions, loan due dates, savings goals, split-bill settlements, and recap-style memories.

Users may in most cases opt out of receiving push notifications by visiting their device settings, such as the notification settings for mobile phones, and then changing those settings for this Application or all of the apps on the particular device.

Users must be aware that disabling push notifications may negatively affect the utility of this Application.

Selling goods and services online

The Personal Data collected are used to provide the User with services or to sell goods, including in-app purchases and premium subscriptions. The Personal Data collected to complete the payment may include the credit card, the bank account used for the transfer, or any other means of payment envisaged. The kind of Data collected by this Application depends on the payment system used.

Cookie Policy

This Application uses Trackers. To learn more, Users may consult the relevant section of this document or contact the Owner.

Further Information for Users

Legal basis of processing

The Owner may process Personal Data relating to Users if one of the following applies:

• Users have given their consent for one or more specific purposes.
• Provision of Data is necessary for the performance of an agreement with the User and/or for any pre-contractual obligations thereof.
• Processing is necessary for compliance with a legal obligation to which the Owner is subject.
• Processing is related to a task that is carried out in the public interest or in the exercise of official authority vested in the Owner.
• Processing is necessary for the purposes of the legitimate interests pursued by the Owner or by a third party.

In any case, the Owner will gladly help to clarify the specific legal basis that applies to the processing, and in particular whether the provision of Personal Data is a statutory or contractual requirement, or a requirement necessary to enter into a contract.

Further information about retention time

Unless specified otherwise in this document, Personal Data shall be processed and stored for as long as required by the purpose they have been collected for and may be retained for longer due to applicable legal obligation or based on the Users' consent. Therefore:

• Personal Data collected for purposes related to the performance of a contract between the Owner and the User shall be retained until such contract has been fully performed.
• Personal Data collected for the purposes of the Owner's legitimate interests shall be retained as long as needed to fulfill such purposes.
• The Owner may be allowed to retain Personal Data for a longer period whenever the User has given consent to such processing, as long as such consent is not withdrawn.

When a User deletes an entry inside the Application, it is removed from active systems within 30 days, with backups purged within 90 days. When a User deletes their account, personal data is deleted or anonymized within 30 days, except where the Owner is legally required to retain it.

The rights of Users based on the General Data Protection Regulation (GDPR)

Users may exercise certain rights regarding their Data processed by the Owner. In particular, Users have the right to do the following, to the extent permitted by law:

• Withdraw their consent at any time.
• Object to processing of their Data if the processing is carried out on a legal basis other than consent.
• Access their Data and obtain a copy of the Data undergoing processing.
• Verify and seek rectification of inaccurate Data.
• Restrict the processing of their Data.
• Have their Personal Data deleted or otherwise removed.
• Receive their Data and have it transferred to another controller (right to data portability).
• Lodge a complaint before their competent data protection authority.

Users are also entitled to learn about the legal basis for Data transfers abroad including to any international organization governed by public international law or set up by two or more countries, and about the security measures taken by the Owner to safeguard their Data.

Details about the right to object to processing

Where Personal Data is processed for a public interest, in the exercise of an official authority vested in the Owner or for the purposes of the legitimate interests pursued by the Owner, Users may object to such processing by providing a ground related to their particular situation to justify the objection.

Users must know that, however, should their Personal Data be processed for direct marketing purposes, they can object to that processing at any time, free of charge and without providing any justification.

How to exercise these rights

Any requests to exercise User rights can be directed to the Owner through the contact details provided in this document. Such requests are free of charge and will be answered by the Owner as early as possible and always within one month, providing Users with the information required by law.

Additional information about Data collection and processing

Legal action

The User's Personal Data may be used for legal purposes by the Owner in Court or in the stages leading to possible legal action arising from improper use of this Application or the related Services. The User declares to be aware that the Owner may be required to reveal personal data upon request of public authorities.

Additional information about User's Personal Data

In addition to the information contained in this privacy policy, this Application may provide the User with additional and contextual information concerning particular Services or the collection and processing of Personal Data upon request.

System logs and maintenance

For operation and maintenance purposes, this Application and any third-party services may collect files that record interaction with this Application (system logs) or use other Personal Data (such as the IP address) for this purpose.

Information not contained in this policy

More details concerning the collection or processing of Personal Data may be requested from the Owner at any time. Please see the contact information at the beginning of this document.

Changes to this privacy policy

The Owner reserves the right to make changes to this privacy policy at any time by notifying its Users on this page and possibly within this Application and/or — as far as technically and legally feasible — sending a notice to Users via any contact information available to the Owner. It is strongly recommended to check this page often, referring to the date of the last modification listed at the bottom.

Should the changes affect processing activities performed on the basis of the User's consent, the Owner shall collect new consent from the User, where required.

Definitions and legal references

Personal Data (or Data)

Any information that directly, indirectly, or in connection with other information — including a personal identification number — allows for the identification or identifiability of a natural person.

Usage Data

Information collected automatically through this Application (or third-party services employed in this Application), which can include: the IP addresses or domain names of the computers utilized by the Users, the URI addresses, the time of the request, the method utilized to submit the request to the server, the size of the file received in response, the numerical code indicating the status of the server's answer, the country of origin, the features of the browser and the operating system utilized by the User, the various time details per visit and the details about the path followed within the Application, and other parameters about the device operating system and/or the User's IT environment.

User

The individual using this Application who, unless otherwise specified, coincides with the Data Subject.

Data Subject

The natural person to whom the Personal Data refers.

Data Processor (or Processor)

The natural or legal person, public authority, agency or other body which processes Personal Data on behalf of the Controller, as described in this privacy policy.

Data Controller (or Owner)

The natural or legal person, public authority, agency or other body which, alone or jointly with others, determines the purposes and means of the processing of Personal Data, including the security measures concerning the operation and use of this Application.

This Application

The means by which the Personal Data of the User is collected and processed.

Service

The service provided by this Application as described in the relative terms (if available) and on this site/application.

European Union (or EU)

Unless otherwise specified, all references made within this document to the European Union include all current member states to the European Union and the European Economic Area.

Tracker

Tracker indicates any technology — e.g. cookies, unique identifiers, web beacons, embedded scripts, e-tags and fingerprinting — that enables the tracking of Users, for example by accessing or storing information on the User's device.

Legal information

This policy relates solely to this Application, if not stated otherwise within this document.

Latest update: April 26, 2026