PanoMoney

Information Collection and Use

The PanoMoney Application collects information when you download and use it. This information may include:

• Your device’s Internet Protocol address (IP address)
• Pages and screens you visit within the Application
• Date and time of your visit
• Time spent on the Application
• Device information such as operating system version and device model

The Application does not collect precise location data.

The Application does not use Artificial Intelligence (AI) technologies to process your data.

User-Provided Data

The Application may request information such as:

• Income and expense records
• Savings information
• Financial goals
• Debt and loan calculations
• Email address (for support or account purposes)

Third-Party Services

Only aggregated and anonymized data may be shared with third-party services to improve the Application.

The Application uses:

• Google AdMob (Advertising Services)

AdMob Privacy Policy:

Advertising

The Application displays advertisements provided by third-party ad networks.

These services may collect:

• Advertising ID
• Device information
• Usage data for ad personalization

Subscription Services

• Some features may require a paid subscription
• Payments are processed via Google Play Billing
• We do not store payment card information
• Subscription status is used to manage premium access

Data Sharing

Information may only be disclosed when:

• Required by law or legal process
• Necessary to protect user safety or prevent fraud
• Shared with trusted service providers under confidentiality obligations

We do not sell personal data.

Data Retention

User data is retained while the Application is used and for a reasonable time afterward.

If you wish to delete your data, please contact:

Children's Privacy

The Application does not knowingly collect personal data from children under 13 years old.

If such data is discovered, it will be deleted immediately.

Security

The Service Provider uses reasonable measures to protect user data. However, no method of internet transmission or electronic storage is completely secure.

Changes to This Policy

This Privacy Policy may be updated at any time. Continued use of the Application means acceptance of the updated policy.

Your Consent

By using the Application, you consent to the processing of your information as described in this Privacy Policy.

1. Acceptance of Terms

By using this Application, you agree to these Terms and Conditions. If you do not agree, please discontinue use of the Application.

2. Use of the Application

You agree to use the Application only for lawful purposes.

You are responsible for all financial data you enter, including:

• Income and expenses
• Savings goals
• Debt calculations

The Application is intended only as a financial tracking and calculation tool. It does not provide financial, legal, or investment advice.

3. User Responsibility

• All data entered is your responsibility
• Financial decisions made using the Application are your responsibility
• The Application does not guarantee financial accuracy or outcomes

4. Subscription

• Some features may require a paid subscription
• Payments are handled through Google Play Billing
• Subscriptions may be cancelled anytime through Google Play
• Payments are non-refundable unless required by law

5. Advertising

The Application may show advertisements from third-party ad networks.

We are not responsible for advertisement content shown by third parties.

6. Limitation of Liability

The Service Provider is not responsible for:

• Financial losses or financial decisions
• Data loss or device issues
• Service interruptions or application errors

The Application is provided "AS IS" without warranties.

7. Termination

We may suspend or terminate access to the Application if users violate these Terms.

8. Changes to Terms

We may update these Terms at any time. Continued use of the Application means acceptance of the updated Terms.

9. Contact Information

If you have any questions about this Privacy Policy or Terms and Conditions, please contact us: