Privacy Policy — KisoMoney

1.1 Account Information

• Email address
• Password (hashed; not stored in plain text)
• Profile info (name and settings, if provided)

1.2 User-Generated Data

• Financial records you add (accounts, categories, transactions, budgets)
• Preferences and personal configuration of the service

1.3 Technical and Usage Data

• IP address, device and browser information, log files
• Interaction data within the app
• Cookies related to authentication or session in the web version of the service

1.4 Optional Data

• Feedback, support requests, or communications with us

1.5 Subscription and Billing Data

• Google Play purchase identifiers (for example, purchase token, product ID, package name)
• Subscription verification metadata (app version, build number, and optional app-account identifier)

1.6 Bank Integration Data (if connected)

• External provider account identifiers and account metadata (name/mask/currency)
• Imported transactions, including provider transaction IDs, descriptions, and raw provider payload (raw JSON) used for reconciliation and diagnostics

2.1 Service Operation

• Create and manage user accounts
• Provide access to KisoMoney features
• Send transactional emails (verification codes, security alerts, password reset)
• Verify subscription entitlement and prevent billing abuse/fraud

2.2 Service Improvement

• Debugging, analytics, and performance optimization
• Enhancing security and stability

2.3 Legal Compliance

• Responding to legal requests
• Fraud prevention
• Compliance with data deletion/export obligations

• Contractual necessity: to provide the service you requested
• Legitimate interest: to maintain and secure the platform
• Legal obligation: when required by applicable law
• Consent: when you explicitly provide optional data

• Email delivery services (transactional messages only)
• Cloud hosting providers (secure storage of user data)
• Analytics or security tools (strictly limited access)

• Standard Contractual Clauses (SCC)
• GDPR-compliant processors
• Secure encrypted connections

• Hashing and salting of passwords
• Encrypted data transmission (HTTPS)
• Restricted access to production systems

• Access your personal data
• Request data export, correction, or deletion
• Withdraw consent (where applicable)
• Object to certain processing

8.1 In-app deletion

• You can initiate account deletion directly in the app: “Налаштування → Необоротні дії → Delete account”.

8.2 Email request

• If you cannot access the app, send a request to info@kisomoney.com with the subject “Account Deletion Request”.
• Include your KisoMoney account email and clearly state that you request deletion of your account and related personal data.
• Detailed account deletion instructions: https://kisomoney.com/en/account-deletion

8.3 Timeline and exceptions

• After successful verification, we process deletion requests within up to 30 calendar days.
• Data retention timelines and exceptions after deletion are specified in Section 9 “Data Retention”.

• We retain personal data while your account is active or as needed to provide the service.
• After a verified deletion request, data is deleted or anonymized within up to 30 calendar days.
• Only security logs and backup copies may be retained for up to 90 days, after which they are deleted or anonymized.
• Subscription verification technical records and integration sync logs are retained only to the extent and duration needed for security, fraud prevention, support, and legal obligations, then deleted or anonymized.

• We may update this Policy; new versions will include an updated "Last updated" date.

• Privacy inquiries: info@kisomoney.com