The upcoming iPhone/iPad version 1.12, build 61, supports advertising on the free tier with your consent. Money Flow Pro shows no ads. The Mac app remains ad-free at every tier. Build 61 is a planned replacement update and is not yet available on the App Store. The earlier iOS 1.12 build 59 contained no advertising SDKs; it was not released. Section 4 distinguishes these builds and earlier installed versions.
Your financial records stay in local storage and, when enabled and available, your private iCloud account. You can also export them to a destination you choose. We operate no Money Flow account service or financial-data backend. Exchange-rate requests, Apple services and optional support correspondence involve the limited processing described below.
Money Flow is developed by MW Supply Limited, which trades as Matthew Wong on the App Store. Contact us at mwsupplylimited@gmail.com. This policy covers iPhone, iPad and Mac. We are responsible for the information we receive, such as correspondence you send us; Apple and the other providers identified below also process information under their own policies.
Money Flow stores your transactions, categories, accounts, balances, budgets, goals, recurring rules, reward terms, reminders, settings and attached receipt images in the app’s local database. Receipt recognition uses Apple’s on-device Vision framework. The app does not connect to your bank, initiate payments or send your financial records to an advertising network.
Summary snapshots are shared with the Money Flow widget through an App Group. Widget template actions are queued locally and saved as transactions when the app processes them. Optional app locking and recovery actions use Apple’s device-owner authentication. Money Flow receives the authentication result, not your biometric data or device password.
Backups and rescue copies can contain your financial records and receipt images. Choose their destination carefully. Once exported, those files are outside the app lock; protect them using your chosen storage provider’s security controls. Reports and portable JSON backups have different contents. CSV, Excel and PDF reports are not a complete replacement for a JSON backup.
When signed in to iCloud with sync enabled, the app can mirror its financial records, settings and receipt images to your CloudKit private database. Sync is enabled by default when available. MW Supply Limited does not receive or have access to your private financial database. Apple operates iCloud under Apple’s privacy policy.
To pause new synchronization, turn off iCloud sync in Money Flow Settings, then quit and reopen the app. Changing a store after it has opened requires a full app restart. Account or storage problems may pause synchronization and display recovery guidance. A copy restored through storage recovery remains local with sync paused to avoid an unintended merge.
Pausing sync does not erase existing iCloud records. Deleting the app removes local data but does not delete cloud copies or exported files. Only records that successfully synchronized can return after reinstalling with the same iCloud account; unsynced changes may be lost. Save a separate backup before deleting the app.
This update includes Unity LevelPlay (ironSource), the Unity Ads adapter/network and bundled Unity Ad Quality. Advertising helps support the free tier. It is available only in eligible App Store installations, after your tracking-permission status is resolved and you choose Allow ads. TestFlight and development installations do not initialize the advertising SDKs or request ads.
On a free installation, Money Flow requests Apple’s App Tracking Transparency permission before starting an advertising SDK. Apple may not display the prompt if you have already answered it or your device restricts tracking. You can continue using Money Flow if you decline. Tracking permission and your in-app advertising choices are separate.
Personalized ads are off by default. Choosing Allow ads without separately enabling personalization requests non-personalized ads, including when Apple tracking permission is denied. These ads still use device and network information for delivery, measurement, fraud prevention and other provider processing. Non-personalized does not mean no data is collected. Personalized advertising requires both the separate in-app choice and Apple tracking permission; providers may then use advertising identifiers and activity across other companies’ apps and websites to tailor and measure ads.
Choosing Continue without ads keeps advertising off and does not prevent you from using the free app. Existing refusals are preserved. You can review your choice, change personalization or withdraw in Money Flow Settings → Privacy. Apple tracking permission can be changed in device Settings → Privacy & Security → Tracking. Withdrawing the ad-data choice stops new ad requests and clears ads prepared for display. Changing personalization or Apple tracking permission also updates the provider privacy signals and clears previously prepared ads before any new eligible requests.
Money Flow Pro does not request or show ads. A session that starts with Pro does not initialize an advertising SDK. Upgrading or withdrawing consent after an SDK has started does not unload that SDK or erase information a provider already received. Provider processing and retention remain subject to the provider’s privacy policy and your applicable rights.
When initialized, the advertising providers may process device and user identifiers, IP address and derived coarse location, app and advertising interactions, usage information, performance and other advertising measurement data, and purchase information described in their disclosures. This refers to provider advertising data; Money Flow does not send your ledger, balances, financial account names or receipt images to an advertising network. We may receive aggregate reports such as impression counts and estimated revenue. See Unity’s Game Player and App User Privacy Policy, ironSource’s Apple privacy questionnaire and Unity Ads’ Apple privacy survey for the providers’ processing and purposes.
These builds contain no advertising SDKs, show no ads and do not request App Tracking Transparency permission. iOS build 59 was not released and is being replaced by build 61. Mac build 60 is available. The Mac app has no advertising SDK and shows no ads at any tier.
The iPhone/iPad builds included Unity LevelPlay, the Unity Ads adapter/network and bundled Unity Ad Quality. SDK inclusion does not establish that a build served ads; advertising also depended on valid provider configuration and the build’s eligibility gates. We have not established that the released 1.11 build served ads. Earlier advertising and consent implementations differ from build 61 described above. Where a provider received information, its privacy and retention policies apply.
Older iPhone/iPad releases included Google Mobile Ads and Google’s User Messaging Platform. Google may process device identifiers, IP address, approximate location and advertising interactions under Google’s privacy policy and advertising policy. Those SDKs are absent from version 1.11 and the 1.12 builds described above.
Money Flow Pro is an optional monthly or annual subscription for premium planning, insights and customization, plus unlimited user-entered transactions on Mac and no ads in supported iPhone/iPad advertising builds. One subscription covers your devices using the same App Store account. Apple handles purchase, billing, renewal and refunds. The app checks StoreKit entitlements on device; we do not receive your Apple Account password or payment-card details. Local prices and trial eligibility appear before purchase. Manage or cancel through your Apple Account subscription settings.
Money Flow downloads a daily USD-based exchange-rate table from ExchangeRate-API at open.er-api.com. A refresh can occur when the app opens, when cached rates are stale, or when you request it. The request does not include transactions, balances, account names or a Money Flow user identifier. It does transmit ordinary network metadata, including your IP address, to the service.
The provider documents IP-based rate limiting, including a 20-minute block after excessive requests. Its rate-limit state therefore extends beyond serving an individual request. This is why we disclose device-identifying network information for app functionality and security; we do not describe the rate service as collecting no data. The 20-minute limit is not a claim that all provider logs are deleted after 20 minutes. See its open-access documentation and terms and privacy policy for service processing, infrastructure and contact details.
Apple operates iCloud, StoreKit and system notification services. Opening a support, privacy or attribution link also connects your browser to that website. Exports use the destination or provider you select. Money Flow operates no separate analytics, crash-reporting or financial-data server.
We may use crash, performance and aggregate app reports made available by Apple according to your device and App Store sharing settings to diagnose problems and improve reliability. The upcoming iOS build 61 includes the advertising and Ad Quality components described in section 4. The Mac app and iOS build 59 include no third-party analytics or advertising-diagnostics SDK. Locally generated recovery diagnostics are exported only when you choose to export them.
If you email support, we receive the address, message and attachments you send. Do not send a full ledger, receipt or backup unless it is necessary for your request. We use correspondence to respond and keep it only as long as needed, for no more than 24 months. Sending support information is optional and does not require signing up for Money Flow.
You can view and correct records in the app, export a portable JSON backup, delete local records, pause iCloud synchronization, and manage app permissions through system Settings. Cloud copies and exported files must be managed separately. Device authentication protects app access and recovery actions; it does not prevent a chosen export destination from receiving your file.
Depending on your location, privacy law may provide rights to access, correction, deletion, portability, restriction, objection or withdrawal of consent, including California opt-out rights. For the upcoming iOS build 61, the choices in section 4 let you decline advertising data processing, keep personalization off or withdraw a previous choice. Your financial records are not sent for targeted advertising. Contact us for help with information we hold. We cannot retrieve or erase your private iCloud ledger on your behalf; we can explain the relevant device controls. Direct requests concerning a provider’s retained information to that provider.
Email mwsupplylimited@gmail.com; you may use an authorized agent. We aim to respond within one month, or within the applicable legal period. Exercising privacy rights does not change the price of Pro. You can also contact the relevant supervisory authority, including the UK ICO or your EEA authority.
Forecasts and reward estimates are calculated for your own planning. Money Flow does not make payments, credit decisions or other decisions with legal effects about you.
Apple, ExchangeRate-API and advertising providers may process information in countries described in their policies. Your chosen cloud or export provider has its own terms and protections. We do not operate a financial-data backend.
Money Flow is a general-audience budgeting app and is not directed to children. It does not request an age or date of birth and has no Money Flow account system. If you believe a child sent us personal information, contact us. For information held by a provider, we can help identify the appropriate contact.
We will update this page when practices change. Version-specific behavior is identified above; an update may be described before it becomes available on the App Store. App Privacy answers describe the currently available app version across supported platforms. Contact mwsupplylimited@gmail.com with questions.