Summary: Your financial data stays on your device and — only if you choose — syncs through your own private iCloud account. We never see it, we hold no copy of it, and we run no servers. On iPhone and iPad the free version shows ads, which collect limited device and ad-interaction data; ads are non-personalised by default. On Mac there are no ads at all and no advertising SDK is built into the app. Upgrading to Money Flow Pro removes all ads on every device.
Which ad network? It depends on your version. Version 1.10 and earlier use Google AdMob, with Google’s consent form where required. Version 1.11 and later remove Google’s SDKs entirely and use Unity LevelPlay (ironSource) with Unity Ads. Section 4 describes each one separately.
Money Flow is developed by MW Supply Limited (“we”), which trades as Matthew Wong on the App Store — that is the seller name you will see on the store listing and on your receipt, and it refers to the same developer as “MW Supply Limited” throughout this policy. MW Supply Limited is the data controller for the limited processing described here, and can be reached at mwsupplylimited@gmail.com.
This policy explains what data the app handles, what stays on your device, and what is processed by the limited third-party services we use to show ads and offer an optional subscription. It covers Money Flow on iPhone, iPad and Mac. We have no account system and operate no backend — you can use every feature without signing in to us, and we hold no copy of your financial data on any server of ours.
Money Flow stores the data you enter on your device only, using Apple’s standard on-device database (SwiftData/SQLite), so the app remembers it between launches:
The database lives in a private app container shared with the Money Flow widget so the widget can display your totals. This data never leaves your device except via the iCloud mechanism described below, and it is automatically removed if you delete the app. We have no access to it.
If iCloud is signed in on your device and the sync toggle in Settings is on, your transactions (including any receipt photos), categories, accounts, budgets, savings goals, recurring rules, and settings are mirrored to your personal iCloud account using Apple’s CloudKit private database. This keeps your data in sync across your iPhone, iPad and Mac and lets it return after you reinstall the app. The data is stored in your own iCloud account — MW Supply Limited has no access to it, and iCloud is governed by Apple’s privacy policy. If you turn iCloud sync off or are not signed in to iCloud, all data simply stays on the device.
What this section says depends on which version you are running, and on which device. Advertising in Money Flow changed between versions, and this page is the App Store privacy policy for all of them, so each state is described separately below. You can check your version in the app under Settings → About, or on the App Store listing. Subscribers to Money Flow Pro see no ads at all in every version, on every device: while you are a Pro subscriber the app does not request or display ads, and the ad SDK is not started.
Money Flow for Mac shows no ads at any tier. The macOS version of Money Flow contains no advertising SDK of any kind — neither Google’s nor Unity’s is built into the Mac app, so nothing on your Mac requests an ad, no advertising identifier is read, and no ad network receives anything from a Mac install. Free or Pro, the Mac app is ad-free. Everything in this section that follows applies to iPhone and iPad only.
In these versions the free tier shows banner ads and occasional full-screen (interstitial) ads provided by Google AdMob, using the Google Mobile Ads SDK.
From version 1.11, the Google Mobile Ads SDK and Google’s User Messaging Platform are removed from the app entirely — they are no longer built into Money Flow, and no Google advertising service receives anything from a 1.11 or later install. The free tier’s banner and occasional full-screen (interstitial) ads are instead served through Unity LevelPlay (ironSource) mediation, with Unity Ads as the demand network. To serve these ads, Unity may collect and process:
This information is collected and used by Unity Technologies as an independent data controller, not by us. It is handled under Unity’s Game Player and App User Privacy Policy. MW Supply Limited only receives aggregate, non-identifying reports such as the number of ad impressions and estimated revenue. Your financial data is never shared with Unity or used to target ads, and we never volunteer a user identifier to the ad SDK.
No in-app consent dialog. Unlike the Google stack it replaced, LevelPlay ships no consent-form equivalent, so from version 1.11 Money Flow presents no in-app consent dialog. Instead the app takes the privacy-protective position by default: it reports no consent to personalised advertising, and asserts the California “do not sell / do not share” signal, for everyone, from the first launch.
Personalised ads are opt-in and default to OFF. Ads are non-personalised for everyone unless you affirmatively opt in using the Personalized Ads switch under Settings → Ad Privacy. That switch is off until you turn it on, you can turn it back off at any time, and your choice is sent to the ad network immediately. This is separate from the App Tracking Transparency prompt — allowing tracking does not by itself turn personalised ads on.
App Tracking Transparency. In both versions, iOS asks whether Money Flow may track you across other companies’ apps and websites. If you choose “Ask App Not to Track,” the advertising identifier is not used and you will see only non-personalized ads. You can change this at any time in iOS Settings → Privacy & Security → Tracking.
Removing ads. Subscribing to Money Flow Pro removes all banner and interstitial ads in every version. While you are a Pro subscriber, the app does not request or display ads.
Money Flow Pro is an optional auto-renewing subscription (available monthly or yearly, each with a 14-day free trial) that removes all ads and unlocks premium features such as advanced insights, custom accent themes, and alternate app icons, and that lifts the 10-transaction limit of the free Mac preview. It is a Universal Purchase, so one subscription covers your iPhone, iPad and Mac. Purchases, billing, renewals, and refunds are handled entirely by Apple through your App Store account — we never see or store your name, your payment-card details, or your Apple ID. To unlock Pro features, the app checks your purchase entitlement directly with the App Store on your device; this check does not identify you to us. You can view, change, or cancel your subscription at any time in the App Store under Settings → [your name] → Subscriptions.
Money Flow has no servers of its own. Besides the advertising and subscription services described above and Apple’s own iCloud synchronization, the app makes one kind of request of its own: to fetch currency exchange rates (see below). It sends no personal or financial data with that request.
If you record transactions in more than one currency, Money Flow converts them to your chosen display currency. To do this it downloads daily exchange rates from a third-party provider, open.er-api.com (ExchangeRate-API’s free, key-less endpoint). The request contains no account, identifier, or transaction data — only a standard web request for the public rate table, which necessarily includes your device’s IP address as with any internet request. The rates are cached on your device so the feature works offline, and the app ships with a built-in fallback table. We do not send your financial data anywhere, and no personal data is shared with the rate provider.
Money Flow can import transactions from a CSV file you choose, and export your data as CSV or Excel files. Imported files are read locally; exported files are saved or shared only to the destination you pick through the standard iOS document and share sheets. These files are under your control and are never sent to us.
Which advertising SDK is built into Money Flow depends on your version, and on whether you are running the iPhone/iPad app or the Mac app:
No other advertising or mediation network is built into any version of Money Flow. Money Flow contains no analytics frameworks and no crash reporting other than Apple’s first-party crash reporting (which is governed by Apple’s privacy policy and only runs if you opted in to Share With App Developers in iOS Settings → Privacy & Security → Analytics & Improvements). Money Flow Pro subscribers are not shown ads, and the app does not request ads for them.
Money Flow does not access your location, microphone, contacts, or health data. The camera is used only when you choose to scan a receipt, and all processing happens on your device (see below). The advertising identifier is used only for ads in the free version on iPhone and iPad, and only if you allow tracking as described in section 4 — the Mac app never reads it, because it links no advertising SDK. The other system features the app can use are optional and stay on your device:
If you are in the UK or the European Economic Area, the UK GDPR and EU GDPR require us to tell you the legal basis on which each kind of processing is carried out. Because almost everything Money Flow does happens on your own device, the list is short:
We hold no copy of your data, so in almost every case the retention period is set by you, not by us:
Under the UK/EU GDPR and comparable laws you have the rights below. Because we operate no servers and hold no copy of your data, most of them are exercised directly in the app rather than by asking us — which is faster, and does not require you to identify yourself to anyone:
If you would like help exercising any of these rights, email mwsupplylimited@gmail.com and we will respond within one month. Please note that we cannot access, retrieve or delete your data for you — we do not have it — so our help will take the form of instructions for doing it on your device. Requests about data held by an advertising provider should be directed to that provider using the policy links in section 4.
Right to complain. If you believe your data has been handled unlawfully, you have the right to lodge a complaint with a data-protection supervisory authority — in the UK, the Information Commissioner’s Office (ICO); in the EEA, the supervisory authority of the country where you live or work (a list is published by the European Data Protection Board). We would appreciate the chance to address your concern first, but you are not required to contact us before complaining.
MW Supply Limited transfers no personal data internationally, because we receive none: your financial data never reaches us, and never leaves your device except to your own iCloud account. Two of the third parties described above do operate internationally:
If you are a California resident, the California Consumer Privacy Act as amended by the CPRA gives you specific rights. MW Supply Limited does not collect, receive, store, sell or share your personal information: the app has no account system, no analytics and no backend, and your financial data never reaches us.
To make a California privacy request, email mwsupplylimited@gmail.com. You may use an authorised agent. We will respond within 45 days.
Money Flow is a general-audience budgeting app. It is not directed to children under 13 within the meaning of the US Children’s Online Privacy Protection Act (COPPA), and it is not directed to children under the applicable age of digital consent in the UK or EEA (13–16 depending on the country). It is rated 4+ only because it contains no objectionable content, not because it is designed for children.
We do not knowingly collect personal information from children. Consistent with this, the app declares itself to its advertising partner as a general-audience, not child-directed app, so no child-directed treatment or mixed-audience ad handling is requested on its behalf. No age or date of birth is ever collected, because there is no account system.
If you believe a child has provided personal information to an advertising provider through Money Flow, contact us at mwsupplylimited@gmail.com and we will help you direct the request to that provider. Note that a child’s entries in the app itself stay on the device and are removed by deleting the app. Subscribing to Money Flow Pro removes all ads, and the Mac app shows none at any tier.
If we change how Money Flow handles data, we will update this page and the "Last updated" date above. Because this page covers every version of Money Flow still in use, changes that apply only to a particular version are labelled with the version they apply to. Material changes will also be reflected in the App Store privacy nutrition labels for the affected version of the app.
Questions about this privacy policy, or any request under section 12 or section 14, can be sent to mwsupplylimited@gmail.com. MW Supply Limited (trading as Matthew Wong on the App Store) is the data controller.