Privacy Policy
This Privacy Policy explains how Rizq Money Manager handles your financial records, profile information, device permissions, backups, advertisements and privacy choices.
1. About Rizq Money Manager
Rizq Money Manager is a personal finance management application developed by Learningjuction. It helps users record and manage income, expenses, accounts, budgets, bills, recurring transactions, savings goals, reminders, reports and personal financial preferences.
The application is intended for personal money management and record keeping. It does not provide banking, investment, legal, accounting or professional financial advice.
2. Information You Enter in the App
The information described below is entered voluntarily by you and is generally stored locally on your Android device.
| Information Type | Examples | Storage and Handling |
|---|---|---|
| Financial Transactions | Income, expenses, transfers, amounts, dates, categories and notes | Stored locally |
| Accounts and Wallets | Cash accounts, bank account labels, wallets, opening balances and account types | Stored locally |
| Budgets | Budget categories, spending limits, time periods and progress | Stored locally |
| Bills and Reminders | Bill names, due dates, amounts, recurrence, reminders and payment status | Stored locally |
| Savings Goals | Goal names, target amounts, saved amounts and target dates | Stored locally |
| Profile Information | Name, photo, email, mobile number, occupation, income and family details | Stored locally |
| App Preferences | Currency, theme, language, notification settings and financial preferences | Stored locally |
| Banking Passwords | Online banking password, card PIN or OTP | Not requested |
| Full Payment Card Details | Full card number, CVV or card PIN | Not requested |
3. Profile Information
Rizq Money Manager allows you to create an optional personal profile to personalize your experience inside the app.
Depending on the details you choose to provide, your profile may include:
- Full name and preferred name
- Profile photo
- Mobile number
- Email address
- Date of birth
- Gender, if voluntarily provided
- Nationality
- Country and city
- Preferred language
- Occupation
- Employer or business name
- Job title and industry
- Monthly income and additional income
- Employment type and income frequency
- Marital status
- Family-member count
- Number of dependants
- Number of children
- Monthly savings target
- Monthly expense limit
- Salary date and month-start preferences
- Financial goals
- Address, if voluntarily provided
- Emergency contact information, if voluntarily provided
- Short bio, notes and personal preferences
Profile information remains on your device and is not uploaded to servers operated by Learningjuction. You are not required to complete every optional profile field to use the main features of the app.
4. Profile Photo
If you choose to add a profile photo, the app uses the Android Photo Picker or another device-provided media selection interface.
The app does not require broad access to all photos on your device merely to select a profile photo. The selected profile image is stored locally or referenced securely on your device. It is not uploaded to our servers.
You may change or remove your profile photo at any time from the profile section of the app.
5. Local Data Storage
Most information created inside Rizq Money Manager is stored locally on your Android device. This may include:
- Income and expense records
- Account balances
- Budgets
- Bills and reminders
- Savings goals
- Recurring transaction information
- Profile information
- Profile photo references or locally stored profile images
- Categories and financial preferences
- App theme and notification preferences
Learningjuction does not normally receive, store or view your personal financial records or profile information.
6. Backup, Restore and Export
Rizq Money Manager may allow you to create backups, restore data and export information in supported formats such as PDF or CSV.
Backup and export files remain under your control and are stored only in the location selected by you. Learningjuction does not automatically receive copies of your backup or export files.
You are responsible for keeping backup files, passwords and exported documents secure. Do not share backup files with anyone you do not trust.
When restoring a backup, existing local records may be replaced or updated depending on the restore process shown by the app. You should create a current backup before performing a restore.
7. App Lock, PIN and Biometric Authentication
The app may provide PIN and biometric authentication features to protect access to your data.
Biometric verification is processed by the Android operating system and supported device hardware. Rizq Money Manager does not receive or store your fingerprint, facial image or biometric template.
The app does not store your app-lock PIN in an intentionally readable plain-text format. However, no security method can guarantee complete protection from every possible threat.
8. Notifications and Reminders
Rizq Money Manager may send local notifications for:
- Upcoming bills
- Payment due dates
- Recurring transactions
- Budget alerts
- Savings reminders
- Other financial reminders enabled by you
Notification processing is generally performed on your device. You may disable notification permission or individual reminder options from the app or Android system settings.
Sensitive financial information is not intended to be displayed in notifications unless the app clearly provides an option and you choose to enable it.
9. Advertisements and Google AdMob
Rizq Money Manager uses Google AdMob to display advertisements and support app development.
Google AdMob and related Google services may automatically process limited information such as:
- Advertising identifiers
- Device or other identifiers
- Device information
- Operating-system information
- General app interactions
- Advertising interactions
- Diagnostic and performance information
- Approximate location inferred from network information, where permitted
- Consent and privacy-choice information
Rizq Money Manager does not send your transaction records, account balances, profile income, mobile number, email address or family details to AdMob for advertising.
Advertisements are provided and processed according to Google’s policies and privacy practices. The presence of an advertisement does not mean that Learningjuction recommends or guarantees the advertised product or service.
10. Advertising Consent and Privacy Choices
Where required by law, Rizq Money Manager uses Google’s User Messaging Platform to request and manage advertising consent.
Depending on your country or region, you may be offered choices regarding:
- Personalized advertising
- Non-personalized advertising
- Advertising cookies or device identifiers
- Data processing by advertising partners
Where available, you may review or update your advertising privacy preferences through the Privacy Choices option inside the app.
The availability of particular privacy options may depend on your location, device configuration and applicable legal requirements.
11. Analytics and Crash Reporting
Rizq Money Manager does not intentionally use profile information or personal financial records for advertising analytics.
If technical diagnostics or crash-reporting services are added in a future update, the app and this Privacy Policy will be updated where required. Sensitive financial details should not be intentionally included in diagnostic reports.
12. Permissions Used by the App
| Permission or System Feature | Purpose |
|---|---|
| INTERNET | Load advertisements, consent messages, legal pages, support pages and online links |
| ACCESS_NETWORK_STATE | Check whether an internet connection is available |
| POST_NOTIFICATIONS | Send bill reminders, recurring reminders, budget alerts and other notifications you enable |
| USE_BIOMETRIC | Allow supported biometric app-lock authentication |
| USE_FINGERPRINT | Support fingerprint authentication on compatible Android devices |
| Android Photo Picker | Allow you to select a profile image or other supported user-selected image |
| Alarm or Background Scheduling Features | Schedule local reminders and recurring notifications where supported |
The exact permissions available may vary based on your Android version and app version. The app is designed to avoid unnecessary access to your contacts, precise location, microphone or full device photo library.
13. Information We Do Not Intentionally Collect
Rizq Money Manager does not intentionally request or collect:
- Online banking usernames or passwords
- Credit-card PINs
- One-time passwords
- Full payment-card credentials
- Fingerprint or facial biometric templates
- Your contact list
- Precise GPS location
- Microphone recordings
- Government identification documents
14. How Information Is Used
Information entered into Rizq Money Manager is used locally to:
- Record income and expenses
- Calculate account balances
- Display financial summaries and reports
- Track budgets and savings goals
- Schedule bills and reminders
- Personalize greetings and preferences
- Display your selected profile details
- Create backups and exports requested by you
- Protect access through PIN or biometric features
Profile information is not used to make automated credit, insurance, employment or eligibility decisions.
15. Data Sharing
Learningjuction does not sell, rent or trade your personal financial records or profile information.
Your locally stored financial and profile data is not shared with third parties by us.
Limited device, advertising, consent and diagnostic information may be processed by Google AdMob and related service providers for advertising, fraud prevention, measurement, security and legal compliance. Such processing is governed by the applicable provider’s privacy terms and your consent choices.
16. Data Retention
Your financial records and profile information generally remain stored on your device until you:
- Edit or delete individual records
- Delete your profile
- Delete all app data
- Clear the application’s storage
- Uninstall the application
- Restore a different backup
Advertising and consent-related information processed by third-party providers may be retained according to their own policies and legal obligations.
17. Deleting Your Profile Data
You may delete your personal profile information using the Delete Profile Data option available in the application.
Deleting your profile may remove:
- Your name and preferred name
- Profile photo
- Mobile number and email address
- Occupation and income details
- Family information
- Financial preferences stored within the profile
- Optional address and emergency-contact information
- Bio and profile notes
Deleting your profile does not automatically delete your transactions, accounts, budgets, bills or savings goals unless the app clearly offers and you separately confirm a broader data-deletion action.
18. Deleting Financial and App Data
You may delete individual financial records using the relevant delete features inside the app. If the app provides a Delete All Data option, review the warning carefully before confirming it.
You can also remove locally stored app information through Android system settings by clearing app storage or uninstalling the application.
Deleting local data is normally permanent unless you have a valid backup.
19. Data Security
Rizq Money Manager uses reasonable technical and design measures intended to protect locally stored information. Depending on the app version and device, these measures may include:
- PIN protection
- Biometric authentication
- Secure Android storage mechanisms
- Encrypted backup support
- Restricted access to app-private files
- Validation before data import or restore
No device, application, storage system or transmission method can guarantee complete security. You should protect your device with a secure screen lock and keep backup files in a safe location.
20. Third-Party Services
Rizq Money Manager may use or interact with:
- Google AdMob
- Google User Messaging Platform
- Google Play services
- Android system services
- Android Photo Picker
- Your browser or Android Custom Tabs
- Your email application when you choose to contact support
- Your device sharing interface when you choose to share the app
Third-party services are governed by their own privacy policies and terms. We do not control the independent privacy practices of those providers.
21. External Links
The app may open external pages for the Privacy Policy, Terms and Conditions, Contact Us, Help and Support, the official website or Google Play listing.
Once you leave the app or open a third-party website, that website’s own privacy policy and terms apply.
22. Share App, Rate App and Feedback
When you use the Share App option, Android’s system sharesheet is opened. The app shares only promotional app text and a Google Play link. It does not include your financial or profile information.
When you use Rate App, the app may open Google Play or a browser. When you use Send Feedback, your email application may open with basic technical information such as app version, Android version or device model.
Financial records, account balances and profile details are not automatically attached to feedback emails. You should remove or hide sensitive information from screenshots before sending them.
23. Children’s Privacy
Rizq Money Manager is not specifically designed for children under the age of 13, or the minimum age required in the user’s country.
We do not knowingly request personal information directly from children. Parents or guardians should supervise any minor using a personal-finance application.
24. International Users
Rizq Money Manager may be available in multiple countries. Advertising, consent and privacy-choice requirements may differ depending on your region.
Core financial and profile information remains stored locally on your device, while third-party advertising providers may process limited information in countries where they or their service providers operate.
25. Your Privacy Rights and Choices
Depending on your country and applicable law, you may have rights or choices relating to:
- Reviewing information stored in the app
- Editing your profile information
- Deleting your profile
- Deleting financial records
- Exporting supported records
- Disabling notifications
- Removing your profile photo
- Withdrawing or changing advertising consent where available
- Using non-personalized advertising choices where supported
Because most information is stored only on your device, you can generally exercise these choices directly through the app or Android settings.
26. Changes to This Privacy Policy
We may update this Privacy Policy when the app’s features, technologies, third-party services, legal requirements or data-handling practices change.
The updated policy will be published on this page and the Last Updated date will be revised. Continued use of the app after an update means that the latest published policy applies.
27. Contact Us
For privacy questions, technical support, feedback or data-related concerns, please contact us using the information below.