The short version
- Your transactions, budgets and settings are stored on your device and in your own iCloud account. They are never sent to us.
- There’s no account to create, no ads and no analytics or tracking in the app.
- Apple handles payment for Mochi Money Pro. We use RevenueCat to confirm your purchase, and it never sees your financial entries.
- Questions? Email pratishshr@gmail.com.
This Privacy Policy explains what information the Mochi Money app (“the App”, “we”, “us”) handles, where it is stored and the choices you have. It applies to the App on iPhone and iPad, its widgets and its Siri and Shortcuts actions.
Your data lives in your iCloud
The App uses Apple’s CloudKit to store and sync your data in the private database of your own iCloud account. That lets your data stay in sync between your iPhone and iPad. If iCloud is turned off for the App, your data stays on your device only.
We do not run a server that stores your financial data, and we cannot access your iCloud account.
What the App stores
- Transactions: amount, date, note, category and whether it’s an expense or income.
- Recurring transactions and subscriptions: amount, schedule and category.
- Budgets and categories: your limits, the categories you use and their colours and icons.
- Accounts and wallets: their names, currencies and balances.
- Preferences: settings such as currency, language, theme, reminder time, and the name you give the App during setup so Mochi can greet you.
All of this is stored in your iCloud as described above. None of it is sent to us.
Stays on your device
- Reminders: if you turn on daily reminders, the notification is scheduled on your device by iOS.
- Widgets, Siri and Shortcuts: to show your numbers on the home screen and log spending with Quick Log, the App shares a small summary with its widget through storage on your device.
Purchases and RevenueCat
Mochi Money Pro is sold through the App Store. Apple processes your payment, and we never receive your payment card or billing details.
We use RevenueCat, Inc. to confirm purchases, unlock Pro and let you restore a purchase. To do that, the RevenueCat software in the App sends RevenueCat:
- a random, anonymous ID that the App creates, which isn’t linked to your name, email or Apple ID;
- App Store purchase information such as the product, price, currency, purchase date and transaction IDs;
- technical details such as app version, iOS version, device model, language, App Store country and the IP address of the request.
RevenueCat does not receive your transactions, budgets or any other entries you make in the App. Its handling of this information is described in the RevenueCat Privacy Policy.
What we don’t collect
- We don’t ask for an account, email address or password.
- We don’t ask for bank logins or connect to your bank.
- We don’t collect your location.
- We don’t collect advertising identifiers or show ads.
- We don’t use analytics or tracking tools in the App.
- We don’t sell or share your data with anyone.
Exporting your data
With Pro you can export your data as a CSV or JSON file. The file is created on your device and goes only where you choose to save or share it.
Security
Your iCloud data is protected by Apple: it is encrypted in transit and at rest and tied to your Apple Account and device passcode. Because we don’t store your financial data on our own servers, there is no copy of it on our side to be breached.
Keeping and deleting your data
Your data stays in your iCloud until you delete it. You can:
- delete individual transactions, budgets, categories, accounts or wallets in the App;
- delete all App data from the App’s settings;
- remove the App’s data from iCloud in iOS Settings under your name, then iCloud, then Manage Storage.
RevenueCat keeps purchase records so that you can restore Pro. To ask for the anonymous purchase record linked to your device to be deleted, email us.
Your rights
Depending on where you live, laws such as the GDPR, the California Consumer Privacy Act or Japan’s Act on the Protection of Personal Information give you rights to access, correct and delete personal information. Because your data is in your own iCloud, you can view, edit, export and delete it in the App at any time. For anything related to purchase records, contact us and we will help.
Children
The App is not directed at children under 13, or the minimum age required in your country, and we do not knowingly collect personal information from children.
Changes to this policy
We may update this Privacy Policy from time to time. When we make a material change we will tell you in the App or on this page, and update the date at the top.
Contact
If you have questions about this Privacy Policy, email pratishshr@gmail.com.