Privacy policy

The planner and calculators on moneyplanza.com are a preview. They ask for no email, name or other personal details, and nothing you type is saved or sent to us — it stays in your browser tab and is cleared when you refresh or close it. The rest of this policy is about the Android app, where you create an account.

• Account: your email address, and if you sign in with Google, the name and email address on your Google account.
• Profile: your full name, age, mobile number, city and, if you add it, your employment.
• Financial information you enter: monthly income, expenses, bills, loans and EMIs (the lender or bank, total loan amount, interest rate and years left), credit cards (the issuing bank and EMI months left), subscriptions and insurance, due dates and payment status, daily spends and categories, money received found in bank SMS (its amount, date, type such as salary or refund, who sent it, and the bank and last 4 digits of the account it came into), savings goals, trips and festivals you track (their name, type, dates and budget, and which spends belong to them), bills split with friends (including the names you enter), and coaching bookings (name, mobile number, preferred time, language, topics, note and UPI transaction reference).
• Settings: salary day, reminder and language choices, and the UPI ID you add for receiving split payments.

When you use the app we record your sign-in method, when your account was created, sign-in times and when your data was last saved. On the website we use Vercel Analytics to count page views and see the referring page, country, browser and device type. Our host, Vercel, also processes standard technical information such as your IP address to deliver pages securely. We do not use advertising cookies. If you allow notifications in the app, we also save a push token for your phone (an ID that lets us send notifications to it), with the app version and language, so we can send festival greetings, offers and news about MoneyPlanza.

Optional. If you turn on Auto-track spends from SMS (Android), MoneyPlanza reads SMS from banks and payment apps on your phone, up to the last 90 days and new ones as they arrive, and adds the spends and the money received they describe to your MoneyPlanza account automatically. For each one we save the amount, date, the name of who you paid or who paid you, and its category or type; for money received also the bank and the last 4 digits of the account. To avoid adding the same SMS twice, we also save the transaction reference number or, if the SMS has none, the last 4 digits of the account. Only alerts from the registered sender IDs of banks and payment apps are read; promotional messages, spam and messages from people are skipped. The message text is processed only on your phone and is never uploaded, shared or used for anything else. To improve how SMS are read, the app sends us counts only: how many of these SMS it could and couldn't read, grouped by the bank's sender code (for example HDFCBK) and the app version, how many spends had no merchant name, and how often you kept or changed a category it guessed. These counts never include message text, amounts, merchants or account numbers, and they are deleted with your data. Entries added this way are saved like spends you enter yourself, and you can edit or delete them. The category you pick for a merchant is remembered on your phone, so later payments to them get it too. On iPhone, a Shortcuts automation you set up can send a bank SMS to the app, and the same rules apply. You can turn this off at any time in Settings, which stops reading SMS and removes any bill payments still waiting for you to confirm.

• To provide MoneyPlanza: create and secure your account, save your plan to your account, and restore it when you change phones or reinstall.
• To run the features you use, such as reminders, insights and money coaching, and to support you and answer your requests.
• To understand and improve MoneyPlanza: we study how it is used, including patterns and trends such as income ranges and where income comes from (salary, transfers, refunds), spending by category, loans by lender and interest rate, and cities, to fix problems, improve features and build new ones. When we study these patterns we look at totals across users; we look at an individual account only to support you, fix a problem or meet a legal obligation.
• To personalise and communicate: to tailor content and tips, and to contact you by email, SMS, WhatsApp or notification about your account, updates, money tips, offers and new MoneyPlanza services. You can opt out of promotional messages at any time.
• To keep MoneyPlanza safe, prevent misuse and meet legal obligations.

By finishing setup in the app and ticking the box, you agree to this policy and to us processing your information for these purposes. You can withdraw consent at any time by deleting your data or your account. Withdrawing does not affect processing that already took place.

We do not sell your personal data. We share it only with service providers that run MoneyPlanza for us under their own security and confidentiality commitments: Supabase (database, login and email delivery), Vercel (website hosting and analytics), Expo and Google Firebase Cloud Messaging (delivering the notifications we send to your phone), and Google (only if you choose Continue with Google). We may disclose information if the law requires it, to protect our users or MoneyPlanza, or as part of a merger or sale of the business, in which case you would be told. We may use and share aggregated statistics that do not identify you.

Your information is kept on your phone and on secure servers run by our providers, which may be located outside India. It is encrypted in transit, and each account can only read its own data. Only the MoneyPlanza team has administrative access. No system is perfectly secure, so please also keep your phone and email account protected.

Reminders are scheduled on your phone. Notifications about your money, such as each transaction found in a bank SMS (its amount, who it was with and its category) and the day's total at 9 PM, are also made on your phone from your own data; nothing is sent to us to create them. Festival greetings, offers and news are the only notifications we send from our servers; turn off Notifications in Settings to stop them. They can show on your lock screen; turn on Hide amounts in Settings to mask the amounts. Pay now opens the payment app you choose (such as Google Pay or PhonePe), and Manage opens a provider's own website; their privacy policies apply there. MoneyPlanza never sees your card details, bank details or UPI PIN. When you share a split bill or send a coaching booking on WhatsApp, the message goes from your phone to the people you choose, and WhatsApp's privacy policy applies; the Join our WhatsApp channel link in the app opens WhatsApp in the same way. App lock uses your phone's own fingerprint, face or screen lock; we never receive biometric data.

We keep your information while your account is active. When you delete your data or your account, it is removed from our active database straight away, and from backups within 30 days, unless the law requires us to keep something longer.

Under India's Digital Personal Data Protection Act, 2023 you can ask to access, correct or erase your information, withdraw consent, nominate someone to act for you, and raise a grievance. You can edit your profile in the app, and delete your data or account yourself — see how to delete your data.

MoneyPlanza is meant for adults managing their own money and is not directed at anyone under 18.

We may update this policy. The date above shows the latest version, and we will tell you in the app or by email before a significant change takes effect.

Ankith S Y, Founder — support@moneyplanza.com · +91 72599 93542. We aim to reply within 7 days.