At Manje, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website. Please read this policy carefully.

1. Information We Collect

1.1 Information You Provide

When you create an account or use our Services, you may provide us with:

Account Information: Name, email address, and password (or Google account details if using Google Sign-In)
Profile Information: Display name, preferred currency, and country
Financial Data: Transaction details, budget categories, savings goals, bill information, and notes you manually enter
Feedback: Messages, suggestions, or bug reports you submit through the app or website

1.2 Information Collected Automatically

When you use the Services, we may automatically collect:

Device Information: Device type, operating system, unique device identifiers, and app version
Usage Data: Features used, screens viewed, interaction patterns, and session duration
Analytics Data: Crash reports, performance metrics, and error logs

1.3 SMS/Message Data

With your explicit permission, Manje can read bank transaction SMS messages on your device to automatically detect and categorize transactions. This data is:

Processed locally on your device — raw SMS content is never sent to our servers
Used only to extract transaction details (amount, merchant, date, type)
Never shared with third parties
You can revoke SMS permission at any time in your device settings

2. How We Use Your Information

We use the information we collect to:

Provide the Services: Process transactions, generate budgets, track goals, and deliver financial insights
Improve the App: Analyze usage patterns to enhance features and fix bugs
AI Categorization: Use machine learning to automatically categorize your transactions and detect spending anomalies
Communications: Send you weekly reports, bill reminders, budget alerts, and important service updates
Security: Detect and prevent fraud, abuse, or unauthorized access
Legal Compliance: Comply with applicable laws and regulations

3. Data Storage and Security

3.1 Local Storage

Your financial data (transactions, budgets, goals, bills) is stored locally on your device using an encrypted SQLite database. Sensitive credentials are stored using your device's secure keychain/keystore.

3.2 Cloud Services

We use the following cloud services:

Firebase Authentication: Securely manages your login credentials. Passwords are never stored in plain text.
Firebase Analytics: Collects anonymized app usage metrics (DAU/MAU, crash reports, device info)
Mixpanel: Tracks anonymized feature usage and user behavior to improve the product

3.3 Security Measures

We implement industry-standard security measures including:

Encrypted data transmission (HTTPS/TLS)
Secure credential storage using device keychain/keystore
Optional biometric authentication (fingerprint/face)
Auto-lock functionality
No plain-text storage of passwords or tokens

4. Data Sharing

We do not sell, rent, or trade your personal information. We may share limited data with:

Service Providers: Firebase (Google) and Mixpanel for authentication and analytics, subject to their respective privacy policies
AI Processing: Anonymized transaction descriptions may be sent to AI services for categorization. No personally identifiable information is included.
Legal Requirements: When required by law, court order, or governmental authority
Business Transfers: In connection with a merger, acquisition, or sale of assets, with prior notice to you

5. Your Rights and Choices

You have the right to:

Access: View all personal data we hold about you through the app
Correction: Update or correct your account information at any time
Deletion: Delete your account and all associated data
Data Export: Request a copy of your data in a portable format
Opt-Out: Disable analytics tracking, notifications, and SMS scanning in app settings
Withdraw Consent: Revoke any previously granted permissions through your device settings

6. Cookies and Tracking (Website)

Our website may use cookies and similar technologies to enhance your browsing experience. These include:

Essential Cookies: Required for the website to function properly
Analytics Cookies: Help us understand how visitors interact with our website

You can control cookie preferences through your browser settings. Disabling cookies may affect some website functionality.

7. Children's Privacy

The Services are not intended for children under 16 years of age. We do not knowingly collect personal information from children under 16. If we become aware that we have collected data from a child under 16, we will take steps to delete such information promptly.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence, including the United States (where Firebase and Mixpanel servers are located). We ensure appropriate safeguards are in place for such transfers in compliance with applicable data protection laws.

9. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Services. You can configure data retention preferences in the app settings. Upon account deletion, we will delete or anonymize your data within 30 days, except where retention is required by law.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy in the App and updating the "Last updated" date. Your continued use of the Services after changes are posted constitutes your acceptance of the updated policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Email: info@manje.market-xt.com
Website: manje.market-xt.com

We will respond to your inquiry within 30 days.