Who operates Money UP?
Money UP is a personal finance tracking app developed by Muhammad Fadly. This policy covers data processing in the Money UP app and on moneyup.palajayatech.my.id.
Contact support@palajayatech.my.id with privacy questions, data access requests, or deletion requests. The cloud sections apply when the services are available and you use them; Pro cloud features in the trial version are still being tested.
What data is processed?
- Financial records you enter
- Account or wallet names, balances, income, expenses, amounts, categories, dates, transaction notes, budgets, bills, savings goals, and receipt attachments you select. These records are stored locally and may be included in cloud backups or sync when you use those features.
- Account information, if you register
- Email address, display name, account identifier, verification status, and session information for login and access recovery. If you choose Google or Facebook, the authentication service receives identity information you authorize, such as your email, name, and provider identifier. Money UP does not receive your Google or Facebook password. Email registration processes your password through the authentication service.
- Pro backup and sync
- Copies of records and attachments, the owner’s account identifier, backup times, file sizes, change markers, and sync metadata. Device preferences, such as themes and notification settings, remain local; some settings may also be included in backup files.
- Purchase information, when used
- Pro status, product identifiers, purchase receipts or tokens, and order numbers needed to verify purchases through the distribution platform. The platform handles payment; Money UP does not request your card number or payment PIN.
- Support and operational information
- Your email address and messages sent to support. Hosting and account/cloud providers may process IP addresses, request times, device or browser information, and error and security logs when you access their services.
Money UP does not retrieve bank balances or transfer money from your accounts. Do not enter PINs, one-time codes, banking passwords, or full card numbers in notes or support messages.
How is data used?
- To display and manage your records, balances, budgets, reports, bills, and savings progress.
- To create, verify, and secure accounts and restore access at your request.
- To back up, restore, and sync records when you use Pro cloud services.
- To provide reminders according to your settings and verify Pro access.
- To respond to support requests, resolve issues, and prevent service abuse.
We do not sell personal data or use the content of your financial records to target advertising.
Where is data stored and how is it protected?
Local data and exports
Core records are stored in the app’s database on your device. The local database and CSV/JSON exports are not currently encrypted by Money UP. Their protection also depends on device security and where you store files. Use a screen lock and keep exports in a trusted location. Files shared through other apps are subject to the destination service’s settings and policies.
Accounts, cloud backup, and sync
Account and cloud services use Supabase. Service connections use HTTPS; backup contents and sync record payloads are encrypted using AES-256-GCM. Certain operational metadata is still required to run the service. Login session information uses the secure storage available on your operating system.
The account encryption key is stored in the cloud service and can be accessed by administrators with technical authorization. Administrators with that access can decrypt the data. This protection therefore does not mean that only you can open cloud copies.
We restrict service access by user account. However, no system can guarantee absolute security. Contact us promptly if you suspect unauthorized access to your account or data.
Who may process data?
Data is provided to service providers according to the features you use, rather than to every provider whenever you open the app.
- Supabase: authentication, backup storage, and cloud sync. Supabase privacy policy ↗
- Google: Google login if selected, and Google Play purchase processing and verification when available. Google privacy policy ↗
- Meta/Facebook: Facebook login if selected. Meta privacy policy ↗
- Hosting and email providers: serving the website, securing servers, and sending or receiving support correspondence.
These providers may operate servers outside Indonesia. When you use their services, data may be processed in countries where they operate infrastructure. We may also disclose data when necessary to meet applicable legal obligations or address abuse, limited to what is needed.
Permissions are your choice.
- Internet: needed for registration, online login, cloud services, and purchase verification. Core tracking still works offline.
- Notifications: used for reminders you choose. You can disable them in the app or device settings. Permission support varies by operating system.
- Files you select: import, export, backup, and attachment features use the system file picker. Money UP processes selected files to carry out those actions.
- Rescheduling after restart: on Android, the app may reschedule local reminders after the device restarts.
The current version does not request contacts, SMS, microphone, or location permissions for financial tracking.
How long is data kept?
- Local records: remain while present in app storage. You can delete available records in the app. Removing the app or its data may erase local copies, depending on the operating system.
- Exports: remain in your chosen location until you delete them. Deleting the app or account does not automatically remove files you have exported or shared.
- Accounts and sync records: are retained to provide the service until you request deletion. Signing out, disabling cloud, or stopping Pro use does not automatically delete existing cloud data.
- Cloud backups: the app’s mechanism keeps up to the seven latest backups and deletes older versions when a new backup is processed successfully. This does not guarantee a specific retention period.
- Support and logs: are kept as needed to handle requests, maintain security, or meet applicable obligations. Provider settings also govern retention of logs and infrastructure recovery copies.
Deleting active records does not immediately remove every copy from older backups or exports. Use the request process below to delete all account-related data. If specific data must be retained for legal or security reasons, we will explain the data categories and reasons in our response.
Request access, corrections, or deletion.
You may request information about your account data, corrections, a copy of your data, an end to cloud use, or deletion of your account and related data. You can also use available export features and edit records directly in the app.
How to request deletion of a Money UP account
- Email support@palajayatech.my.id from the address registered with Money UP, using the subject Delete Money UP Account.
- State that you want your account and related cloud data deleted, including backups and sync records. Do not send financial records, passwords, one-time codes, or official identification in the initial email.
- We will verify account ownership, explain the data to be deleted and any applicable exceptions, then confirm completion or provide follow-up information.
The button opens your email app. The request is sent only when you press Send in that app; this is not automatic deletion.
The request covers the Money UP account identity, backups, cloud keys, and related sync records we manage. Local copies on each device, personal exports, and data in your Google/Facebook account must be managed separately. You do not need to reinstall the app to send a request. If you no longer have access to the registered email address, contact support for another way to verify ownership.
Cookies, analytics, and advertising.
The public Money UP website pages do not set analytics or advertising cookies and do not use third-party analytics trackers. The transaction demo on the landing page runs only in browser memory; demo inputs are not stored by the page or sent to a server. Hosting servers may still record access logs as described above.
Login and third-party services may use cookies or session storage under their own policies. The current app version has no integrated advertising SDK or behavioral analytics tracker. Pro includes an ad-free benefit; the Free plan currently also displays no ads. If data processing practices change, the policy and relevant notices will be updated before those changes take effect.
A finance app for personal use.
Money UP is not specifically directed at children under 13 and does not knowingly request their personal data. If you are a parent or guardian and believe a child has provided personal data through our account services, contact support for appropriate review and deletion. Children using shared devices should be supervised by a parent or guardian.
A policy that follows the app’s development.
We may update this policy when features, service providers, or data practices change. The update date appears at the top. Significant changes will be explained on the website or through in-app notices when available. If a change requires additional consent, that consent will be requested separately.
