MoneyFlow is a personal finance app developed by NexivoTek that helps you track bills, spending, and insurance policies. This policy explains what information the app collects, how it's used, and who it's shared with. By using MoneyFlow, you agree to the practices described below.
Account information — your name and email address, collected when you sign up with email/password or Google Sign-In.
Financial information you enter — payments, spending entries, insurance policies, categories, and notes. This is the data the app exists to help you track, and it's never used for anything beyond powering the app's features for you.
Profile information — an optional profile photo, if you choose to add one.
Usage and device information — general app usage patterns, collected through Google Analytics (via Firebase), tied to an anonymous device identifier, not your name or email.
Advertising identifiers — Google AdMob may collect your device's advertising ID to show ads within the app.
Biometric data — if you turn on App Lock, Face ID or fingerprint verification happens entirely on your device through your operating system's own secure hardware. MoneyFlow and NexivoTek never receive, see, or store this data.
To provide and operate the app's core features, and to sync your data across your own devices when you're signed in.
To send local reminder notifications for upcoming payments and insurance renewals — these are scheduled and generated entirely on your device; MoneyFlow does not operate a push notification server, and reminder content never leaves your phone.
To understand how the app is used, in aggregate, so we can improve it — and to show ads that help support its continued development.
MoneyFlow relies on a small number of third-party services to operate: Supabase hosts your account and financial data; Google AdMob serves ads; Google Analytics (Firebase) provides anonymous usage analytics; Google Sign-In is an optional way to log in. Each provider has its own privacy policy governing data on their end.
Your financial data is stored in a Postgres database with row-level security enabled — the database itself enforces that only you can ever read or modify your own records, even at the infrastructure level. All data in transit is encrypted (HTTPS/TLS).
Your data is retained for as long as your account exists. You can export a copy of your current month's payments and insurance data at any time from Settings > Export Data (PDF or Excel). See "Deleting Your Data" below for how to request full account deletion.
You can request deletion of your MoneyFlow account and all associated data at any time.
How to request deletion — Email nexivotek@gmail.com from the address associated with your account, with the subject line "Delete My Account." Include your registered email address so we can locate your account.
What gets deleted — Your profile (name, email, profile photo), all payments, spending entries, insurance policies, and preferences — everything tied to your account.
What's retained, and for how long — We process deletion requests within 30 days. Anonymous, aggregated analytics data that can't be tied back to you (collected via Google Analytics) is not deleted, since it was never linked to your identity in the first place.
Partial deletion — If you'd rather delete specific data instead of your whole account, use Export Data first (Settings > Export Data) to keep a copy, then delete individual records directly in the app from each Payments, Spending, or Insurance screen.
MoneyFlow is not directed at children under 13, and we do not knowingly collect information from children under 13. If you believe a child has provided us with information, contact us and we'll remove it.
You can access, correct, or export your data directly within the app at any time. You can also request that we delete your account and data entirely by contacting us.
We may update this policy from time to time as the app changes. We'll update the date above when we do. Continued use of the app after a change means you accept the updated policy.
Questions about this policy or your data? We're happy to help.