Privacy Policy

This Privacy Policy explains how the Money Care app, offered by Studio Moob, collects, uses, shares and protects your personal data, and what your rights are. It is written in accordance with the Brazilian General Data Protection Law (LGPD — Law No. 13,709/2018).

1. Who we are

The controller of your personal data is Studio Moob. For any privacy-related matter, you can reach us at contato@studiomoob.com.

2. Our principle: offline-first

Money Care is offline-first: the source of truth for your entries is your device. The cloud exists to sync and back up across your devices — not to be the only place where your data lives. Creating, editing and reviewing accounts, cards and entries works without an internet connection.

3. Data we collect

We collect only what the app needs in order to work:

4. How we use your data

• to create and maintain your account and allow you to sign in;
• to store, sync and back up your data across your devices;
• to send the notifications you enabled (due-date reminders and app notices);
• to maintain security, prevent fraud and diagnose technical problems;
• to understand, in aggregate, how the app is used so we can improve it.

We do not use your financial data for advertising and we do not sell it.

5. Legal bases

• Performance of a contract: account, sign-in, backup and sync — without this data the app cannot work.
• Consent: collection of usage, crash and performance data (analytics), which you can grant or withdraw in Settings → Privacy.
• Legitimate interest: security, fraud prevention and service improvement, always respecting your rights.
• Compliance with a legal obligation: when the law requires us to retain or provide information.

6. Who we share data with

We do not sell your data. We share the minimum necessary with service providers acting as processors under our instructions:

• Cloud and infrastructure providers, to host backup and sync;
• Google (Firebase), for analytics, crash reporting (Crashlytics), performance monitoring and push notifications;
• Apple and Google, when you use social sign-in or when your subscription is processed by the store.

We may also disclose data where required by law or court order, or to protect the rights and safety of users.

7. Payments and subscription

Subscriptions are purchased and processed by the App Store or Google Play. We never receive or store your card details — only the fact that a subscription is active. Billing, renewal and refund rules are the store's.

8. Analytics and how to opt out

To improve the app, we collect technical usage, crash and performance data by default through Firebase, using pseudonymous identifiers. You can turn this off at any time in Settings → Privacy inside the app.

On the website (this page and the blog), we use Google Analytics 4 with measurement cookies to understand, in aggregate, how pages are used. Collection starts only after you accept the notice shown on your first visit — if you decline, it is not enabled. You can change your mind by clearing the site's cookies in your browser. We do not record personally identifiable data in these events and advertising signals are kept disabled.

9. Security

• data is encrypted in transit (HTTPS);
• your financial data is stored locally on your device;
• each account can access only its own data (per-user scoping);
• you can enable biometric lock (Face ID, Touch ID or fingerprint) to open the app.

No system is completely infallible, but we adopt appropriate technical and organisational measures to protect your data.

10. Data retention

We keep your data while your account is active and for as long as necessary for the purposes described in this Policy. When you delete your account, the associated data in the cloud is removed, except for information the law requires us to keep. Data on your device is erased when you uninstall the app.

11. Your rights

Under the LGPD, you may at any time:

• confirm that processing exists and access your data;
• correct incomplete, inaccurate or outdated data;
• request deletion of your data;
• export your data as CSV (portability), directly in Settings — including when your subscription is inactive;
• withdraw analytics consent in Settings → Privacy;
• obtain information about who we share your data with.

To exercise these rights, use the options in the app or write to contato@studiomoob.com.

12. Account and data deletion

You can delete your account directly in the app, under Settings. Deletion removes your account and the associated data in the cloud. If you prefer, send your request to contato@studiomoob.com and we will handle it.

13. Children

Money Care is not directed at minors and we do not knowingly collect data from children. If we identify such collection, we will remove the information.

14. Tracking

Money Care does not track you across other companies' apps or websites. We do not use IDFA/ATT, we do not show ads, and we do not share data with advertising networks or data brokers.

15. International transfers

Some of the providers we use (such as Firebase/Google) may process data on servers outside Brazil. In those cases, we adopt safeguards so your data remains protected in accordance with the LGPD.

16. Changes to this policy

We may update this Policy to reflect changes in the app or in the law. When that happens, we will change the date at the top of this page and, for material changes, notify you by reasonable means.

17. Contact and data protection officer

For questions, requests or to exercise your privacy rights, contact our data protection officer at contato@studiomoob.com. See also our Terms of Use (in Portuguese).