Privacy Policy - what data is processed

In short: Your records are kept only on your phone by default. If you do not sign in with Google, no financial data leaves your device. The free version shows ads; the ad network does not see your financial records.

Data collected

Without signing in: Nothing is collected. All records stay in the local database on your phone.

If you sign in with Google (optional), the following are processed for cloud backup:

Account identifier: your Google account email address and user id (uid)
Your in-app records: transactions, accounts, cards, instalments, loans, subscriptions, budgets and categories

Where data is stored

Cloud backup is stored on Google Firebase (Firestore), hosted in Google Cloud’s European region. Access is limited to records belonging to your own account; security rules prevent access to another user’s data.

Your financial data is never sold or used for advertising. Amounts, card names, people’s names, categories and budgets are never sent to an ad network or any other third party.
There is no behavioural analytics in the app. Which screens you use, what you tap and how often you open the app are not measured. Only crash reporting is in place; it is explained below. (The website is covered separately at the end.)
Cloud backup data is processed solely to store your backup and sync it across your devices.

Advertising

The free version of the app shows an ad strip at the bottom of the screen. Ads are served by Google AdMob, which may process:

Advertising identifier (Android Advertising ID) and approximate location (country/city level from the IP address)
Device and app information: device model, OS version, app version
Ad interaction: whether the ad was shown and whether it was tapped

Google processes this data under its own responsibility. None of your financial records are sent to AdMob - the ad strip does not see the app’s content.

Users in the European Economic Area and the United Kingdom are shown a consent screen before ads appear; without consent, no personalised ads are shown. You can change your consent choice later from within the app.

To remove ads entirely you can buy Money Agenda Pro in the app (monthly, 6-month or yearly subscription, or a one-time lifetime package). With Pro no ad request is made at all. Purchases go through Google Play; your payment details are never passed to the app, which only learns whether the entitlement exists.

Crash reporting

If the app closes unexpectedly, Firebase Crashlytics (Google) sends a crash report so the fault can be found and fixed. The report contains:

Where in the code the fault occurred (the stack trace) and the app version
Device model, Android version, available memory and storage
When the crash happened and how long the app had been running
A random installation identifier generated on your device at install time

Your financial records are not included in crash reports. Amounts, card names, people’s names, categories and budgets are never written into a report. An automated check guards this so it cannot break by accident: if a validation or error message contains an amount, the build fails.

The app does not send its own logs, your account details or the screens you visited to Crashlytics — only the crash itself. Crash reports are sent only from the version installed from the store.

Permissions

Notifications: for payment day reminders
Exact alarm: so the reminder fires at the right time
Internet: only for cloud backup and exchange rate data

The app does not request SMS read permission and does not connect to your banking apps.

Retention and deletion

Your cloud backup is kept until you delete it. Deletion can be done in two ways:

In the app: Settings - Account and cloud backup - Delete my account
Through the account deletion page

When the account is deleted, your cloud records are removed; local records on your phone remain.

Children’s privacy

The app is not directed at users under 13 and does not knowingly collect data from that age group.

This website

The above describes the app. The site at moneyagenda.com.tr uses two measurement tools, and they work differently.

Cloudflare Web Analytics — always on

It sets no cookies and stores nothing in your browser
It does not fingerprint you and does not track you across sites
What it collects is aggregated: page address, referrer, country, browser and device type. It does not identify a person

Google Analytics — only if you agree

We use Google Analytics 4 to understand how the site is used. GA4 uses cookies, so we ask for your consent first:

A consent banner appears on your first visit. Decline and no cookie is set and GA4 collects nothing; the site works exactly the same.
Your choice is stored in your browser and you are not asked again. To change it, clear this site’s data in your browser.
If you accept, what is measured is: page views, how far you scroll, clicks on links that leave the site (such as the Google Play button), file downloads, on-site search, approximate location (country/city from your IP), device and browser type, and where you arrived from.

Advertising cookies and ad personalisation are off and stay off even if you accept — there is no advertising on this site.

The calculators on the site run in your browser. The amounts, rates and dates you enter are never sent to a server, and the analytics does not see them.

No data moves between the app and the site: your records in the app never reach the site, and the site’s measurements never reach the app.

Contact

yzcdev@gmail.com