Privacy Policy

1. Introduction

At Monie (part of the Money Matters Project), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our financial literacy application.

2. Information We Collect

2.1 Personal Information

When you create an account with Monie, we collect:

• Email Address: Used for account identification, authentication, and communication
• Full Name: Used for personalization within the app and to enhance your learning experience
• Account Preferences: Settings and preferences you configure within the app

2.2 Usage Information

We automatically collect certain information about your app usage, including:

• Quiz performance and progress data
• Learning module completion status
• Time spent in different sections of the app
• Device information (operating system, app version)

3. How We Use Your Information

We use your personal information for the following purposes:

• Account Management: To create, maintain, and authenticate your user account
• Personalized Experience: To customize content and features based on your learning progress
• Communication: To send important updates about the app, your progress, and educational content
• Improvement: To analyze usage patterns and improve our educational content and app functionality
• Security: To detect and prevent fraud, abuse, and security threats

4. Data Storage and Security

4.1 Storage Infrastructure

Your data is securely stored using Google Firebase's Cloud Firestore database, which provides:

• Enterprise-grade security measures
• Encrypted data transmission and storage
• Regular security updates and monitoring
• Compliance with international data protection standards

4.2 Access Controls

Access to user data is strictly controlled and limited to:

• Essential project personnel who require access for development and support purposes
• Authorized individuals who are bound by strict confidentiality agreements
• Access is logged and monitored for security purposes

5. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• Legal Requirements: When required by law, regulation, or valid legal process
• Safety and Security: To protect the rights, property, or safety of our users or others
• Service Providers: With trusted service providers who assist in app operations (such as Google Firebase) under strict confidentiality agreements

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your account and associated data
• Data Portability: Request transfer of your data in a structured format
• Opt-out: Unsubscribe from non-essential communications

7. Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this Privacy Policy. Account data is retained until you request deletion or close your account.

8. Children's Privacy

Our app is designed for users aged 13 and older. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete such information promptly.

9. International Users

If you are using our app from outside your country of residence, please note that your information may be transferred to and processed in countries where our service providers operate. We ensure appropriate safeguards are in place for such transfers.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will notify users of material changes through the app or via email. Your continued use of the app after such changes constitutes acceptance of the updated Privacy Policy.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:

• Email: vcubegalaxy@gmail.com
• In-App Contact: Use the contact form within the Monie application