Moneypal Privacy Policy

Last updated: March 29, 2026

This Privacy Policy explains how NewLife Innovation Inc. ("Moneypal," "Company," "we," "us," or "our") collects, uses, discloses, and protects personal information when you use the Moneypal mobile application and related services (collectively, the "Service").

By using the Service, you acknowledge the practices described in this Privacy Policy.

1. Scope

This Privacy Policy applies to information we collect when you access or use the Service, communicate with us, create an account, purchase subscriptions or points, use AI features, or otherwise interact with Moneypal.

2. Information We Collect

We may collect the following categories of information:

A. Account and profile information

name or display name;
email address;
authentication identifiers from supported sign-in providers, such as Apple Sign In, Google, or email/password account systems;
locale, time zone, and account preferences.

B. Financial and app content you provide

transaction records, income and expense entries, categories, budget settings, notes, and related financial data you enter into the Service;
prompts, messages, and other content you submit when using AI features;
feedback, support requests, and communications you send to us.

C. Purchase and entitlement information

subscription status;
in-app purchase records;
product identifiers, transaction identifiers, original transaction identifiers, expiry dates, restore events, and points balances;
records needed to verify purchases and maintain account entitlements.

D. Device, usage, and technical information

device type, operating system, app version, build number, language, and time zone;
log, diagnostic, crash, and performance information;
interaction and service usage data, such as feature access, request timestamps, and status events.

E. Voice and speech information

If you use voice features, we may process microphone input, speech recognition results, and related interaction metadata to provide speech-based functions.

F. Information from third parties

We may receive information from:

authentication providers such as Apple or Google;
app store operators such as Apple for subscription and in-app purchase verification;
infrastructure, database, and service providers that support operation of the Service.

3. How We Use Information

We use personal information for the following purposes:

to provide, operate, maintain, and secure the Service;
to create and manage your account;
to store and present your financial records and preferences;
to process, verify, restore, and manage subscriptions, points, and paid entitlements;
to provide AI-powered assistance and generate requested responses;
to support voice and speech-recognition features;
to troubleshoot issues, analyze performance, and improve the Service;
to detect, investigate, prevent, and respond to fraud, abuse, security incidents, and unlawful activity;
to communicate with you about your account, purchases, support issues, product updates, and policy changes;
to comply with legal obligations and enforce our terms and policies.

4. Legal Bases for Processing

Where applicable under privacy laws such as the GDPR or UK GDPR, we may process personal information on one or more of the following legal bases:

performance of a contract with you;
your consent;
compliance with legal obligations;
our legitimate interests in operating, securing, and improving the Service, unless overridden by your rights.

5. AI and Automated Processing

When you use AI features, your prompts, finance-related inputs, and relevant context may be processed by our systems and by third-party AI service providers to generate responses.

AI-generated results may be inaccurate or incomplete. You should review outputs carefully and should not rely on them as legal, tax, accounting, investment, or personalized financial advice.

We may also use automated systems for fraud prevention, purchase verification, quota management, entitlement checks, diagnostics, and abuse detection.

6. How We Share Information

We do not sell your personal information for money. We may share information in the following circumstances:

with service providers and processors that help us operate the Service, such as cloud hosting, database, authentication, customer support, analytics, AI, and infrastructure vendors;
with app platform providers, such as Apple, to process or verify subscriptions and in-app purchases;
with sign-in providers, such as Apple or Google, to authenticate users;
with professional advisors, auditors, insurers, and legal counsel where reasonably necessary;
with law enforcement, regulators, courts, or other third parties when required by law, legal process, or to protect rights, safety, and security;
in connection with a merger, acquisition, financing, reorganization, sale of assets, bankruptcy, or similar business transaction.

7. Third-Party Services

The Service may use third-party services, including:

Supabase or equivalent backend/database infrastructure;
Apple App Store and related purchase verification services;
Google authentication services, if enabled;
OpenAI or other AI model providers, if enabled;
speech recognition or platform voice-processing providers, if enabled.

These third parties may process information on our behalf or as independent controllers under their own terms and privacy policies.

8. Data Retention

We retain personal information for as long as reasonably necessary to:

provide the Service;
maintain your account and financial records;
verify purchases and preserve entitlement history;
comply with legal, tax, accounting, audit, and regulatory obligations;
resolve disputes and enforce agreements.

Retention periods may vary depending on the type of information, legal requirements, and operational needs.

9. International Transfers

Your information may be stored and processed in countries other than your own. Those countries may have data protection laws that differ from those in your jurisdiction.

Where required by law, we will use appropriate safeguards for cross-border transfers.

10. Data Security

We use reasonable administrative, technical, and organizational measures designed to protect personal information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

You are responsible for maintaining the security of your account credentials and devices.

11. Your Privacy Rights

Depending on your location, you may have rights to:

access personal information we hold about you;
request correction of inaccurate information;
request deletion of your information;
object to or restrict certain processing;
withdraw consent where processing is based on consent;
request data portability;
appeal a decision related to your privacy request;
opt out of certain disclosures or uses where required by applicable law.

To exercise these rights, contact us using the contact information below. We may need to verify your identity before processing your request.

12. California Privacy Notice

If you are a California resident, you may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, including rights to know, access, delete, correct, and limit certain uses of sensitive personal information, subject to applicable exceptions.

We do not knowingly sell or share personal information for cross-context behavioral advertising as those terms are defined by California law.

13. Children

The Service is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided personal information to us, contact us and we will take appropriate steps.

If a higher age threshold applies in your jurisdiction for certain processing, that threshold also applies.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we may provide notice through the Service or by other reasonable means.

The "Last updated" date above indicates when this Privacy Policy was last revised.

15. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact us at:

Legal entity: NewLife Innovation Inc.
Email: immarketing99@gmail.com
Address: Taichung, Taiwan

16. App-Specific Notes

For clarity, Moneypal may process the following information as part of app functionality:

account authentication data for sign-in and session management;
finance records and categories that you create in the app;
AI chat requests and related context used to generate responses;
purchase verification data for subscriptions and points;
voice input and speech recognition data when you actively use voice features;
technical logs and diagnostics needed for security, fraud prevention, and service reliability.

If you publish separate App Store privacy disclosures or platform privacy manifests, those disclosures should remain consistent with this Privacy Policy.