Privacy Policy

Last updated: November 10, 2026

MoneyTempo is built privacy-first. The short version: your financial data stays on your device. On Apple devices it syncs only to your own private iCloud account when iCloud is available; on Android it stays on your phone, apart from Android's own backup if you use it. We do not operate a backend for your budgets or transactions, and we do not sell your data.

Who this policy applies to

This policy applies to MoneyTempo, a personal financial planning app for iPhone, iPad, Mac, and Android. It explains what data the app handles, how it is used, and how to contact us with questions.

Information we collect

We do not receive your budgets, budget items, categories, transactions, receipt images, receipt text, or financial notes. MoneyTempo has no third-party advertising SDKs, no third-party analytics SDKs, and no third-party tracking SDKs.

Data you create in the app

You may enter budgets, categories, planned items, transactions, notes, dates, amounts, and receipt-derived line items. This data is stored locally on your device using Apple system storage. If iCloud sync is enabled for your Apple account and device, the data may sync through your own private iCloud database using Apple CloudKit.

Account and iCloud

MoneyTempo does not require a separate app account or Sign in with Apple. If you enable iCloud sync, the app uses the Apple account already signed in on your device.

Camera and receipt scanning

The app may request camera access when you choose to scan a receipt. Receipt images are processed on device using Apple frameworks. The image is used for text recognition and is not uploaded to us. Only information you confirm in the app, such as item names and amounts, may be saved as budget or transaction data on your device.

On-device categorization

MoneyTempo may use rule-based matching and, where supported and enabled, Apple on-device intelligence features to help categorize entries. Categorization is designed to run on device. We do not send your entry text to our own servers for categorization.

How information is used

Your app data is used to provide budgeting features, including creating budgets, calculating planned and actual amounts, showing category summaries, recording transactions, and helping categorize entries. Because we do not receive this data, we do not use it for advertising, profiling, resale, or third-party analytics.

iCloud and Apple services

When iCloud sync is available, MoneyTempo uses Apple CloudKit to sync app data through your private iCloud account. Apple processes iCloud data under Apple's own privacy terms and account settings. We cannot access your private iCloud database.

MoneyTempo on Android

The Android app works the same way: no account, no server, and no advertising, analytics, or tracking SDKs. Budgets, transactions, and settings are stored on your phone. If Android backup is turned on, Android may include them in your own encrypted Google backup.

Bank SMS

If you turn on alert capture, MoneyTempo reads the SMS messages on your phone to find bank transaction alerts, and asks Android for permission first. Messages are checked on the phone. Only debit and credit alerts from bank senders, or from senders you approve, are kept, and only to show them in your Inbox for you to confirm. Personal messages, one-time codes, and anything that isn't a bank transaction are never stored, copied, or sent anywhere. If you choose to catch up on past alerts, the same check runs over the last 30, 90, or 180 days of messages on your phone. You can turn alert capture off at any time in Settings.

Bank app notifications

If you allow notification access, MoneyTempo looks only at notifications from the bank and payment apps you choose and keeps only transaction alerts, the same way as SMS. Notifications from other apps are ignored.

Receipts and on-device AI

Receipt photos are read on the phone with Google ML Kit's on-device text recognition and are not uploaded. AI features run on the phone with a model you choose to download, or with Gemini Nano where your phone provides it. Your entries, alerts, receipts, and questions are not sent to a server. Downloading a model contacts Hugging Face to fetch the file; nothing about your money is sent.

Our other apps

On Android, the More from TheOyinbooke list is built into the app. Tapping an app opens its Google Play page.

Data sharing

We do not sell, rent, trade, or share your personal budgeting data with advertisers or data brokers. We may disclose information only if required by law or to protect rights and safety, but because we do not operate a backend containing your app data, we generally do not possess the budgeting records created in the app.

Our other apps

To show More from TheOyinbooke in the app's Settings, MoneyTempo asks Apple's App Store for the list of our apps. Apple sees that request, as with any App Store visit; nothing about you or your money is sent, and the list is kept on your device for a day. Tapping an app opens its App Store page.

Data retention and deletion

Budgeting data remains on your device and, if enabled, in your private iCloud account until you delete it, delete the app data, sign out of iCloud, or remove the app. Deleting a budget in the app removes that budget and its related budget data according to the app's deletion behavior. You can manage iCloud data through Apple's device and iCloud settings.

Your choices

• You can choose whether to grant camera access.
• You can edit or delete budgets, items, and transactions in the app.
• You can disable or manage iCloud sync through Apple device settings.
• On Android, you can turn bank SMS and notification capture on or off in Settings, and remove MoneyTempo's SMS or notification access in Android settings.
• On Android, Settings › Data controls › Delete all data erases everything MoneyTempo stores on the phone.
• You can uninstall the app from your device.

Children's privacy

MoneyTempo is not directed to children under 13. We do not knowingly collect personal information from children.

Security

MoneyTempo uses Apple platform storage and iCloud technologies to help protect app data. No method of storage or transmission can be guaranteed completely secure, so you should also protect your device, Apple ID, passcode, and iCloud account. On Android, data is kept in the app's private storage, which other apps can't read.

International users

MoneyTempo is operated from the United States. Apple services such as iCloud may process data according to Apple's infrastructure and legal terms.

Changes to this policy

We may update this Privacy Policy when the app changes or legal requirements change. The updated version will be posted on this page with a new "Last updated" date.

Contact

Questions about this Privacy Policy can be sent to oyinbookeola@outlook.com.