1. About Rizq Money Manager

Rizq Money Manager is a personal finance management application developed by Learningjuction.

The app is designed to help users manage and organize personal financial information, including:

• Income and expenses
• Accounts and wallets
• Budgets
• Bills and payment reminders
• Savings goals
• Recurring transactions
• Financial reports
• Profile information
• Financial preferences
• Backup, restore and export features

Rizq Money Manager is intended for personal money management and record-keeping purposes.

2. Acceptance of These Terms

By installing or using Rizq Money Manager, you confirm that:

• You have read and understood these Terms and Conditions.
• You agree to comply with these terms.
• You are legally permitted to use the application.
• You will use the application only for lawful purposes.

If you are using the application on behalf of another person, you confirm that you have their permission to do so.

3. Personal Finance Tool Only

Rizq Money Manager is a personal finance record-keeping and budgeting tool.

The app does not provide:

• Professional financial advice
• Investment advice
• Tax advice
• Accounting advice
• Legal advice
• Banking services
• Credit services
• Loan services
• Insurance advice
• Financial planning services

Any calculations, reports, projections, reminders, savings targets, budget results or financial summaries displayed by the app are provided for general informational purposes only.

4. User Eligibility

You must be legally permitted to use the application under the laws applicable in your country or region.

Rizq Money Manager is not specifically designed for children under 13 years of age, or the minimum age required by applicable local law.

Parents or guardians should supervise minors who use personal finance applications.

5. User Responsibilities

You are responsible for:

• Entering accurate information into the app
• Reviewing transaction amounts and account balances
• Checking bills, due dates and reminders
• Maintaining the security of your Android device
• Protecting your app PIN and biometric access
• Keeping backup files and passwords secure
• Creating backups before uninstalling or clearing app data
• Reviewing exported PDF or CSV files before sharing them
• Using the application in accordance with applicable laws
• Keeping your contact information and profile details accurate

You are solely responsible for information entered manually into the application.

6. Profile Information

Rizq Money Manager may allow you to create an optional personal profile.

Your profile may include information such as:

• Name and preferred name
• Profile photo
• Mobile number
• Email address
• Date of birth
• Country and city
• Occupation and employment information
• Income information
• Family and dependant information
• Savings targets
• Expense limits
• Financial goals
• Address or emergency contact details
• Personal notes and preferences

Providing optional profile information is your choice. You are responsible for ensuring that information entered about another person, such as an emergency contact, is entered lawfully and with appropriate permission.

7. Local Data Storage

Most financial records and profile information entered into Rizq Money Manager are stored locally on your device.

This may include:

• Transactions
• Account balances
• Budgets
• Bills
• Savings goals
• Recurring transaction details
• Profile data
• Profile photo references
• App preferences
• Notification settings

Learningjuction does not normally receive or store your personal financial records or profile information on its own servers.

8. Backup and Restore

The app may allow you to create backup files and restore previously saved information.

You are responsible for:

• Creating backups regularly
• Saving backup files in a secure location
• Protecting backup passwords
• Ensuring backup files are not modified or corrupted
• Verifying that the selected backup belongs to Rizq Money Manager
• Creating a current backup before restoring older data

Learningjuction is not responsible for data loss caused by:

• Missing backup files
• Forgotten backup passwords
• Corrupted or modified files
• Unsupported file formats
• Device failure
• Storage failure
• User error
• Incomplete restore operations

9. Exported Files

Rizq Money Manager may allow users to export data into supported formats, including PDF or CSV.

Exported files may contain personal or financial information. You are responsible for protecting those files after they leave the app.

Before sharing an export, you should review it carefully and remove any information that you do not wish to disclose.

10. PIN and Biometric Protection

The application may provide PIN and biometric authentication features.

These security features are intended to help reduce unauthorized access, but they cannot guarantee complete protection.

Biometric verification is processed by your device and the Android operating system. Learningjuction does not receive or store your fingerprint, facial image or biometric template.

You are responsible for:

• Keeping your device secure
• Using a strong device screen lock
• Protecting your app PIN
• Preventing unauthorized access to your device

11. Bills, Notifications and Reminders

Rizq Money Manager may provide local reminders for bills, recurring transactions, budgets or savings goals.

Reminder delivery may be affected by:

• Notification permissions
• Battery optimization
• Device settings
• Android background restrictions
• Incorrect date or time settings
• Device restart
• Operating-system limitations

You should not rely on the app as the only method of tracking important payment deadlines.

12. Financial Calculations and Reports

Rizq Money Manager may calculate:

• Total income
• Total expenses
• Account balances
• Budget usage
• Savings progress
• Category totals
• Monthly or yearly reports

Calculation results depend on the information entered by you. Incorrect, incomplete or duplicate information may produce inaccurate results.

You should verify important totals independently before relying on them.

13. Advertisements

Rizq Money Manager may display advertisements provided by Google AdMob.

Advertisements help support app development and maintenance. Advertising providers may process limited device, advertising, diagnostic and consent-related information as permitted by applicable law.

Rizq Money Manager does not intentionally send your transaction records, account balances, income details, mobile number, email address or family details to AdMob for advertising.

An advertisement appearing in the app does not mean that Learningjuction:

• Endorses the advertiser
• Guarantees the advertised product
• Verifies every advertising claim
• Accepts responsibility for third-party purchases

Any interaction with an advertisement is between you and the advertiser.

14. Advertising Consent and Privacy Choices

Where required, the app may use Google’s User Messaging Platform to request advertising consent.

Depending on your region, you may be offered choices regarding personalized advertising, non-personalized advertising and advertising data processing.

Where available, you may review or change your choices through the Privacy Choices option in the application.

15. Third-Party Services

Rizq Money Manager may use or interact with third-party services, including:

• Google AdMob
• Google User Messaging Platform
• Google Play services
• Android system services
• Android Photo Picker
• Android Custom Tabs
• Your browser application
• Your email application
• Android Sharesheet

Third-party services operate under their own policies, terms and privacy practices. Learningjuction does not control their independent systems.

16. External Links

The application may contain links to:

• Privacy Policy
• Terms and Conditions
• Contact Us
• Help and Support
• Official website
• Google Play listing
• Third-party advertisements

When you open an external website or service, the privacy policy and terms of that third party will apply.

Learningjuction is not responsible for the content, availability, security or practices of third-party websites.

17. Share App

The Share App feature may open Android’s system sharing interface.

The shared content may include:

• Application name
• Application description
• Tagline
• Google Play link

The app does not intentionally include your personal profile details or financial records in the app-sharing message.

18. Rate App and Feedback

The Rate App option may open Google Play or a browser.

The Send Feedback option may open your email application with basic technical details, such as:

• App version
• Android version
• Device model

You should not send banking passwords, card PINs, one-time passwords, full card numbers, confidential backup passwords or other sensitive information.

19. App Availability

We aim to keep Rizq Money Manager available and functional, but we do not guarantee uninterrupted or error-free operation.

The app may be temporarily unavailable due to:

• Maintenance
• Updates
• Compatibility issues
• Device limitations
• Operating-system changes
• Technical problems
• Third-party service outages

20. Application Updates

Learningjuction may release updates to:

• Improve security
• Fix bugs
• Add features
• Remove unsupported features
• Improve compatibility
• Comply with legal or platform requirements

Some updates may be required for continued access to certain features.

We do not guarantee that all existing features will remain available forever.

21. Supported Devices

Rizq Money Manager is designed for supported Android devices.

Functionality may vary depending on:

• Android version
• Device manufacturer
• Screen size
• Available storage
• System security settings
• Battery restrictions
• Hardware capabilities

Learningjuction does not guarantee compatibility with every device.

22. Prohibited Uses

You must not use Rizq Money Manager to:

• Violate any applicable law or regulation
• Commit fraud or financial misconduct
• Store information unlawfully obtained from another person
• Attempt unauthorized access to the app or its systems
• Introduce malware or harmful code
• Interfere with normal app operation
• Copy or redistribute protected app content
• Reverse engineer the app except where permitted by law
• Misuse support or feedback systems
• Misrepresent your identity
• Use the app for illegal accounting or financial activities

23. Intellectual Property

The following may be owned by or licensed to Learningjuction:

• Rizq Money Manager name
• Application logo
• User interface design
• Brand colors and visual identity
• Original graphics
• Application source code
• Text and written content
• Reports and templates created by the app

These materials may be protected by copyright, trademark and other intellectual-property laws.

You may not copy, reproduce, modify, sell, sublicense, redistribute or commercially exploit the application without written permission, except where allowed by law.

24. User-Generated Content

You retain responsibility for information entered into the application.

You confirm that you have the legal right to enter, store, export or share information added by you.

Learningjuction does not claim ownership of your personal financial records or profile information.

25. Deleting Profile Data

The app may allow you to delete your personal profile separately from your financial records.

Deleting your profile may remove:

• Name and profile photo
• Contact details
• Occupation and income information
• Family information
• Profile preferences
• Emergency contact information
• Profile notes

Deleting profile data does not automatically delete transactions, accounts, budgets, bills or savings goals unless you separately select and confirm a broader deletion option.

26. Deleting Financial Data

The app may provide options to delete:

• Individual transactions
• Accounts
• Budgets
• Bills
• Savings goals
• Recurring transactions
• All locally stored data

Deletion may be permanent. You should create a backup before deleting important information.

27. Disclaimer of Warranties

To the maximum extent permitted by law, Rizq Money Manager is provided on an “as is” and “as available” basis.

Learningjuction does not guarantee that:

• The app will always be available
• The app will be completely error-free
• Every notification will be delivered
• Every calculation will match an external accounting system
• Data can always be recovered
• The app will meet every user’s individual requirements
• The app will work on every Android device

28. Limitation of Liability

To the maximum extent permitted by applicable law, Learningjuction will not be liable for direct or indirect losses arising from:

• Incorrect information entered by the user
• Financial decisions based on app reports
• Missed bill reminders
• Late-payment fees or penalties
• Loss of local data
• Missing or corrupted backups
• Device loss or failure
• Unauthorized device access
• Exported files shared by the user
• Third-party advertisements
• External websites or services
• App interruption or technical failure

Some jurisdictions do not allow certain liability exclusions. Where such laws apply, these exclusions will apply only to the extent legally permitted.

29. Indemnity

To the extent permitted by law, you agree to be responsible for losses, claims or expenses resulting from:

• Your unlawful use of the application
• Your violation of these terms
• Your misuse of another person’s information
• Your violation of third-party rights

30. Suspension or Termination

You may stop using Rizq Money Manager at any time by uninstalling the application.

Learningjuction may suspend, restrict or discontinue parts of the app where necessary for:

• Security
• Legal compliance
• Technical maintenance
• Prevention of abuse
• Third-party service changes
• Business or operational reasons

31. Changes to These Terms

These Terms and Conditions may be updated when:

• New features are added
• Existing features are changed
• Third-party services change
• Legal requirements change
• Google Play requirements change
• Security or operational practices change

The updated terms will be published on this page, and the Last Updated date will be revised.

Continued use of the app after updated terms are published means that the latest version applies.

32. Governing Law

These terms will be interpreted in accordance with applicable laws and regulations.

Nothing in these terms excludes or limits consumer rights that cannot legally be excluded.

33. Severability

If any provision of these Terms and Conditions is found to be invalid, illegal or unenforceable, the remaining provisions will continue in effect.

34. Entire Agreement

These Terms and Conditions, together with the Privacy Policy and any additional notices shown inside the application, form the agreement between you and Learningjuction regarding use of Rizq Money Manager.

35. Contact Us

For questions about these Terms and Conditions, technical support or the application, contact:

36. Related Legal and Support Pages