Privacy Policy

MoneyMe is a UK financial-education app that helps people aged 14–24 build money skills through short lessons, scenarios, and practical tools. This policy explains what personal data we collect, why we collect it, how long we keep it, and the rights you have under UK GDPR and the Data Protection Act 2018.

Data controller: MoneyMe Ltd, United Kingdom. Contact: privacy@moneymode.app

We only collect what we need to run MoneyMe and personalise your learning.

• Account details — your first name, last name, email address, and hashed password. Provided by you when you create an account.
• Profile — your age band (14–16, 16–18, or 18–24), chosen avatar, financial situation (e.g. student, working), top interest, and daily time commitment. Used to choose the right lessons for you.
• Progress — terms you’ve completed, quiz scores, XP, streaks, badges, and scenarios played. Used to track your journey and pick what comes next.
• In-app tools — budget entries, savings goals, and any incident notes you log. These stay tied to your account and are never shared.
• Device data — basic technical info (OS version, device model, crash reports) collected by Sentry to keep the app stable.
• Accessibility preferences — font size, dyslexia-friendly font, reduced motion. Stored so your preferences follow you across devices.

We do not collect bank account numbers, card details, or any real financial transactions. MoneyMe is an education app; it never touches real money.

• To provide the service (contract) — signing you in, saving your progress, syncing across devices.
• To personalise lessons (legitimate interest) — using age band and quiz answers to pick suitable content.
• To keep the app secure and reliable (legitimate interest) — crash reports and basic device logs.
• To improve MoneyMe (legitimate interest) — aggregated, anonymised usage patterns. We never sell individual data.

MoneyMe is designed for people aged 14 and over and is not intended for children under 14. If we learn that we have inadvertently collected data from a child under 14, we will delete it promptly.

Why we do not ask for parental consent. Under UK GDPR (Article 8) and the UK Data Protection Act 2018, a child aged 13 or over can provide valid consent for information society services like MoneyMe without a parent or guardian’s agreement. Because our minimum age is 14, every user legally old enough to use MoneyMe is also legally old enough to consent to this policy themselves. We do not require, imply, or condition access on parental consent.

Our commitments to users under 18. We follow the ICO’s Age Appropriate Design Code (the “Children’s Code”). As a legal baseline, regardless of what you agree to, for users under 18 we guarantee:

• No behavioural advertising. We do not show ads inside MoneyMe and do not share your data with ad networks or ad-tech vendors.
• No profiling for marketing. We never build a marketing profile of you, and we do not use your data to influence your behaviour outside the educational purpose of the app.
• Data minimisation by default. We collect the smallest amount of personal data needed to run the lessons, and we do not ask for phone numbers, precise location, contacts, or banking data.
• Privacy-first defaults. All settings start in the most privacy-protective state. Any change (e.g. enabling notifications) is a deliberate, reversible opt-in.
• Plain-English disclosures. We explain what we do with your data in language appropriate for your age. If anything is unclear, email us.
• Your data stays yours. You can export or delete your account at any time from the Account tab. Deletion is honoured within 30 days.
• No sale of data. We do not sell, rent, or trade personal data from any user — and we will never do so for users under 18.

Parental queries. Although we do not require parental consent, a parent or guardian with a safeguarding concern may contact us at privacy@moneymode.app. For the child’s protection, we will respond to requests about a specific account only with the account holder’s verified agreement, except where a UK court order, safeguarding duty, or statutory obligation requires otherwise.

Safeguarding. If we reasonably believe a user is at risk of harm, we may share information with the police, the NCA’s CEOP Command, or equivalent safeguarding authorities in line with our legal duties.

You can use MoneyMe as a guest without creating an account. In that case, your progress is stored on this device under an anonymous guest identifier — no email, no name. If you later create an account, we offer to merge your guest progress into the new account.

We share data only with the service providers that let MoneyMe work:

• Supabase (EU region) — database hosting and authentication.
• Sentry — crash and error monitoring.
• Expo / Apple / Google — app delivery and push notifications.
• Resend — sending transactional email (e.g. parental notifications for users aged 14–15).

Each provider is contractually bound to UK GDPR standards. We do not sell your data, and we do not share it with advertisers.

• Account data is kept while your account is active and for up to 12 months after deletion, to handle recovery and legal requests.
• Guest data is stored only on your device until you clear it.
• Crash logs auto-expire after 90 days.

Under UK GDPR you have the right to:

• Access the personal data we hold about you.
• Correct anything that’s wrong.
• Delete your account and associated data.
• Export your data in a portable format.
• Object to or restrict certain processing.
• Complain to the Information Commissioner’s Office (ico.org.uk) if you’re unhappy with how we handle your data.

To exercise any of these rights, email privacy@moneymode.app. We aim to respond within 30 days.

Your data is encrypted in transit and at rest. Passwords are hashed using Supabase’s industry-standard auth. We enforce role-based access server-side so you can only see your own data.

Your data is primarily stored in the EU. Where a provider is based outside the UK/EU, we rely on UK Adequacy Regulations or Standard Contractual Clauses to keep the same level of protection.

We’ll update this page when our practices change. Substantive changes are highlighted at the top, and we’ll notify signed-in users via the app.

Questions, requests, or complaints: privacy@moneymode.app. We’re a small team and read every message.