Last updated: February 1, 2026

This Privacy Policy explains how Smart Money Buddies, LLC (“we,” “us,” or “our”) collects, uses, and protects information across our digital products, including our mobile applications and website.

This Privacy Policy applies to the following applications operated by us:

  • Money Buddies by Smart Money Buddies (a parent-managed family and children’s educational app)
  • Finchieve by Smart Money Buddies (an adult-focused financial education app)

It also applies to our website, which may include informational content, links to our published books, and links to third-party platforms such as Amazon.

1. Audience & App-Specific Notice (Important)

Money Buddies by Smart Money Buddies

  • Designed for families
  • A parent or legal guardian creates and manages the account
  • Parents may create child profiles for educational use
  • Children do not create independent accounts
  • Children cannot make purchases

Finchieve by Smart Money Buddies

  • Intended for adult users only
  • Not designed for children
  • Does not knowingly collect personal data from children

2. Information We Collect

A. Information You Provide Directly

Parent / Adult Users

We may collect:

  • Name
  • Email address
  • Account login credentials
  • Optional profile information
  • Support communications

Child Profiles (Kids App only)

Parents may optionally provide:

  • Child nickname or first name
  • Age or age range
  • Educational progress and in-app activity

We do not require children to provide contact information.

B. Information Collected Automatically

Across our apps, we may collect:

  • App usage data (features used, progress, completion data)
  • Device and operating system information
  • App performance, diagnostics, and crash data

This information is used solely to:

  • Operate the apps
  • Improve stability and user experience
  • Fix bugs and performance issues

C. Payments & Subscriptions

All in-app purchases and subscriptions are processed through:

  • Apple App Store
  • Google Play

We do not collect or store credit card numbers or billing information.

We may receive limited purchase-related data such as:

  • Purchase confirmation
  • Subscription status
  • Entitlement or access status

Purchase management and receipt validation may be handled by a third-party service provider such as RevenueCat.

3. Website & External Links (Amazon, Books, Content)

Our website may:

  • Provide information about our apps
  • Link to our published books or content available on third-party platforms (such as Amazon)
  • Include external links to platforms not operated by us

We do not control the privacy practices of third-party websites.
Any personal information you provide on external platforms is governed by their respective privacy policies.

4. How We Use Information

We use information to:

  • Create and manage accounts
  • Provide educational features and content
  • Unlock purchased content
  • Save progress and preferences
  • Improve app performance and reliability
  • Respond to customer support inquiries
  • Comply with legal and platform requirements

We do not sell personal data.

5. Children’s Privacy

We are committed to protecting children’s privacy.

  • Children use Money Buddies by Smart Money Buddies only under a parent-managed account
  • Children cannot make purchases
  • We do not display third-party advertising
  • We do not engage in behavioral advertising or cross-app tracking

Parents may review, update, or request deletion of their child’s information at any time by contacting us.

6. Data Sharing

We use trusted third-party service providers to operate and support our apps. These providers only access information as necessary to perform services on our behalf and are contractually obligated to protect it.

These providers may include:

  • Supabase – authentication, database, and secure data storage
  • RevenueCat – in-app purchase management and subscription entitlement validation
  • Apple App Store and Google Play – payment processing and purchase verification
  • Firebase – analytics, diagnostics, and/or push notification services
  • Sentry – crash reporting and error monitoring

We do not share personal information for advertising purposes and do not allow third-party behavioral tracking.

7. Data Storage & Security

We use reasonable administrative, technical, and organizational safeguards to protect information from unauthorized access, loss, or misuse.

No system is 100% secure, but we take appropriate measures to protect your data.

8. Data Retention

We retain personal information only as long as necessary to:

  • Provide app functionality
  • Maintain account access
  • Comply with legal obligations

Parents and adult users may request deletion of their accounts at any time.

9. Your Rights & Choices

Depending on your location, you may have the right to:

  • Access or update your information
  • Request deletion of your account or associated data
  • Manage subscriptions through Apple or Google
  • Restore purchases using in-app features

Requests can be made using the contact information below.

10. Changes to This Policy

We may update this Privacy Policy from time to time.
Updates will be posted on this page with a revised “Last updated” date.

Continued use of our apps or website after changes indicates acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us at:

Email: [email protected]
Website: https://www.smartmoneybuddies.com