Privacy Policy
Your privacy and financial data security are our top priorities at Moneyger.
This Privacy Policy describes how Lunaristech ("we," "us," or "our") collects, uses, and protects your personal information when you use the Moneyger mobile application (the "App"). Moneyger is a personal budgeting and expense tracking application designed to help you manage your finances effectively.
This policy applies to all users of the Moneyger app, regardless of your location. We are committed to complying with applicable privacy laws, including the General Data Protection Regulation (GDPR) for users in the European Economic Area and the California Consumer Privacy Act (CCPA/CPRA) for California residents.
Contract Necessity
Processing your financial data to provide core budgeting and expense tracking features.
Consent
Optional features like cloud backup, analytics, and marketing communications.
Legitimate Interests
App improvement, security monitoring, and fraud prevention.
Legal Obligation
Compliance with applicable laws and regulations.
Core App Features
Create and manage budgets, track expenses, generate financial insights and reports.
Sync & Backup
Synchronize your data across devices and provide backup services.
Personalization
Customize categories, provide spending insights, and improve user experience.
App Reliability
Debug issues, monitor performance, and improve app stability.
Legal Compliance
Meet legal obligations and prevent abuse or fraudulent activity.
As a global service, your data may be transferred to and processed in countries other than your own, including Indonesia where our company is based, and countries where our service providers operate.
Safeguards We Implement:
- Standard Contractual Clauses (SCCs) with all international service providers
- Adequacy decisions where available (e.g., for transfers within the EEA)
- Regular assessments of data protection laws in destination countries
- Additional technical and organizational measures as needed
We retain your personal data only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and resolve disputes.
General Retention Criteria:
- Active account data: Retained while your account is active
- Inactive accounts: Data deleted after 3 years of inactivity
- Financial entries: Retained for 7 years for tax and legal purposes
- Support communications: Retained for 2 years after resolution
- Analytics data: Aggregated and anonymized after 26 months
We implement industry-standard security measures to protect your personal and financial data:
Encryption
All data transmissions use HTTPS/TLS encryption. Sensitive data is encrypted at rest.
Access Controls
Restricted access to personal data on a need-to-know basis with multi-factor authentication.
Password Security
All passwords are hashed using industry-standard algorithms and never stored in plain text.
Regular Audits
Regular security assessments and vulnerability testing of our systems and processes.
GDPR Rights (EU/EEA Users)
Right of Access
Request a copy of your personal data
Right to Rectification
Correct inaccurate personal data
Right to Erasure
Request deletion of your data
Right to Restriction
Limit how we process your data
Right to Portability
Receive your data in a portable format
Right to Object
Object to certain processing activities
CCPA/CPRA Rights (California Users)
Right to Know
Know what personal information we collect and how it's used
Right to Delete
Request deletion of your personal information
Right to Correct
Correct inaccurate personal information
Right to Opt-Out
Opt-out of sale or sharing of personal information
Moneyger is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.
If we discover that we have collected personal information from a child under 13, we will take steps to delete such information from our systems as quickly as possible.
| Data Type | Retention Period | Reason |
|---|---|---|
| Account Information | While account is active + 30 days after deletion | Service provision, account recovery |
| Financial Entries | 7 years or until account deletion | Tax compliance, legal requirements |
| Device & Analytics Data | 26 months (anonymized after 14 months) | App improvement, performance monitoring |
| Support Communications | 2 years after case closure | Customer service, issue resolution |
| Crash Reports | 90 days | Bug fixes, app stability |
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.
How We'll Notify You:
- In-app notification for material changes
- Email notification to registered users (if applicable)
- Updated "Last Modified" date at the top of this policy
- Website notification at moneyger.lunaristech.com
Your continued use of the app after changes become effective constitutes acceptance of the updated policy.
Company Details
Data Protection Officer
For privacy-related inquiries, you can reach our Data Protection Officer at: