Privacy Policy

Updated: October 11, 2026

Introduction

AI-Money Manager (the "App", "we") understands the importance of your personal information. We will comply with applicable laws and take appropriate security measures to protect your personal information.

1. Information We Collect

To provide our services, we may collect the following information:

1. Account Information

• Username, nickname

• Email address (optional)

• Avatar (optional)

2. Financial Data

• Your income and expense records

• Bill categories and tags

• Budget settings

• Salary profiles and daily settlement records

• Bills you confirm from payment notifications (amount, source, and the note you enter only)

3. AI Feature Data

• Text you send to the AI assistant

• Bill images you choose or capture

• Voice recordings you make (for speech-to-text)

4. Device and Network Information

• Device model, OS version

• App version

• Network status

• Device identifier (for guest account binding and device recovery)

• Login IP address and the approximate region derived from it (country/province/city)

5. Usage and Advertising Data

• Usage records such as app launches and sign-ins

• Credit and ad-viewing records (to grant rewards and produce statistics)

• Advertising identifier (read by advertising SDKs such as Google AdMob, for ad delivery and fraud prevention)

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services

• Provide personalized financial analysis and suggestions

• Protect your account security

• Send service notifications and updates

• Analyze data to improve user experience

3. Storage and Security

1. Your data is stored on secure cloud servers with encrypted transmission and storage.

2. We take reasonable technical and administrative measures to protect your personal information.

3. We regularly review our security measures.

4. Sensitive information such as passwords is stored encrypted.

4. Information Sharing

We do not sell your personal information. To operate the app features, we share data with the following third parties to the extent necessary:

• Google Firebase Authentication (sign-in): email, third-party sign-in identifiers, device and network information, for account creation and sign-in verification

• Google AdMob (advertising): advertising identifier, device and network information, for ad delivery and fraud prevention

• AI model providers (DeepSeek by default, subject to the configuration in the app): the chat text, bill images, and voice content you submit, for generating replies, image recognition, and speech-to-text

• Where required by law or by lawful requests from government authorities

All such transfers use encrypted connections (HTTPS). Data processed by third parties is subject to their own privacy policies.

5. Your Rights

You have the following rights regarding your personal information:

• Access and view your personal information

• Correct inaccurate information

• Delete your account and related data: in the app via Mine → Settings → Delete Account, or by submitting a request at https://lcjz.xmcsl.cn/delete-account.html

• Withdraw consent

• Raise questions or complaints about how we process your personal information

6. Protection of Minors

The App is intended for adults. If you are a minor, please use the App and read this Privacy Policy under the guidance of a guardian.

7. Privacy Policy Updates

We may update this Privacy Policy from time to time. Material changes will be announced via in-app notifications. Continued use of our services means you accept the updated Privacy Policy.

8. Contact Us

If you have any questions or suggestions about this Privacy Policy, please contact us at:

Email: zxiaodong012@gmail.com

9. Third-Party SDKs and Sharing List

The app integrates the following third-party SDKs, which may collect and transmit the data listed below:

• Google Firebase Authentication: account sign-in and identity verification

• Google Mobile Ads (AdMob): ad delivery, advertising identifier, and fraud prevention

• AI model providers: AI chat, image recognition, and speech-to-text (see Section 4)

• Sentry (crash and performance monitoring): crash and performance diagnostics are collected only when reporting is enabled; it is currently disabled

How third-party SDKs process data is governed by their own privacy policies.

10. Permissions and Device Features

To provide certain features, the app requests the following system permissions:

• Notification access: to read payment notifications from WeChat and Alipay so the amount can be detected and a draft bill created. Notification content is parsed on your device only; the data uploaded is limited to the amount, the source, and the note you confirm.

• Display over other apps (overlay): to show a quick bookkeeping card after a payment.

• Microphone: for AI voice bookkeeping; audio is captured only when you start it and is used for speech-to-text.

• Photos/camera: to choose or capture bill images through the system picker for recognition.

• Boot completion and foreground service: to keep payment-notification listening working after the device restarts.

You can revoke these permissions at any time in system settings; the related features will stop working but other features are unaffected.