Privacy Policy

Effective date: 1 September 2025

Welcome to MoneyKakis! Your privacy is important to us. This Privacy Policy explains how we collect, use, and safeguard your personal information when you use our mobile application ("App").

By using MoneyKakis, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the App.

1. Contact Us

MoneyKakis is operated by First 4 Agency Pte. Ltd. You can contact us at [email protected]

2. Information We Collect

We collect the following types of information to provide and improve our services:

a. Information You Provide Directly

Name, email address, and phone number during account registration.

Savings goals, spending preferences, or financial inputs entered into the app.

Uploaded content such as feedback, profile photos, or documents.

Payment details for subscription or voucher redemption (securely processed by App Store/Google Play/Stripe).

b. Information We Collect Automatically

Device details (model, OS, IP address, app version).

Usage data (sessions, features used, savings streaks, rewards redeemed).

Crash logs and diagnostic reports.

c. Third-Party Information

Voucher or deal redemptions tracked through partner merchants.

Financial advisors linked to your account may submit updates to enable features like perks unlocking.

3. How We Use Your Information

We use your information to:

Provide core features like savings tracking, rewards unlocking, and voucher redemptions.

Personalize your MoneyKakis experience with relevant offers and perks.

Facilitate engagement between you and your assigned financial advisor.

Manage subscription payments and billing.

Detect and prevent fraud or misuse.

Send reminders, updates, and transactional notifications (we avoid spam).

4. Legal Basis for Processing (GDPR Compliance)

If you are in the EEA, we process your data based on:

Your consent.

Contractual obligations (to deliver app features).

Legitimate interests (improving features, preventing fraud).

5. PDPA Compliance (Singapore)

For users in Singapore, we comply with the Personal Data Protection Act 2012 (PDPA). This means:

Your personal data will only be collected, used, and disclosed with your consent or where permitted under law.

You have the right to request access to your personal data, correct inaccuracies, and withdraw consent for future use.

We will notify you and obtain consent if there are changes in how we use your personal data.

We take reasonable measures to protect your personal data from unauthorized access, use, or disclosure.

If you wish to exercise your PDPA rights, contact us at [email protected].

6. Sharing Your Data

We do not sell or rent your data. We may share it with:

Service Providers: Hosting, analytics, payment processors, support tools.

Financial Advisors: If you choose to link your account with an advisor.

Merchants: To process voucher redemption and reward validation.

Legal Authorities: Where required to comply with regulations.

App Stores/Stripe: For payments and subscription management.

7. Data Retention

We keep your information only as long as necessary:

Savings history and voucher activity may be archived or deleted after account inactivity.

Billing and subscription records may be retained for legal and compliance reasons.

You may request deletion of your account and data by contacting us.

8. Your Rights

Depending on your jurisdiction, you may:

Access and correct your personal data.

Request deletion of your account.

Restrict or object to data processing.

Withdraw consent at any time.

To exercise these rights, email us at [email protected].

9. Security

We use industry-standard security measures including encryption, secure servers, and restricted access. However, no system is completely secure, and we cannot guarantee absolute protection.

10. Children’s Privacy

MoneyKakis is not intended for users under 13. We do not knowingly collect personal data from children without parental consent.

11. Third-Party Links

Our App may link to merchant or partner websites. We are not responsible for their privacy practices. Please review their policies before sharing data.

12. Changes to This Policy

We may update this Privacy Policy periodically. Updates will be posted within the App, and we encourage you to check regularly.