Your trust matters to us
At TipidMo, we are committed to protecting your privacy. This policy explains what data we collect, why we need it, and how we keep it safe.
By using our App, you consent to the data practices described below.
We collect the following information to provide and improve our services:
Your mobile phone number is used as your unique login credential. We verify it during registration and use it to authenticate your identity when you sign in. This allows us to secure your account and prevent unauthorized access.
With your permission, we access SMS from banks, credit cards, and payment platforms. These messages are processed to automatically create your expense records and generate financial insights. If you prefer not to grant this permission, you can manually add each transaction in the App at any time.
We collect device brand, model, OS version, Android ID, and network information. This helps us ensure device compatibility, improve app performance, detect fraudulent activities, and enhance security measures.
We collect your general location (latitude/longitude at city level, not precise GPS). This enables timezone-aware features, helps detect suspicious login attempts from unusual locations, and provides region-specific functionality.
We scan your device for financial apps (banking, e-wallets, payment platforms). This helps us optimize SMS parsing algorithms, improve transaction recognition accuracy, and enhance fraud detection by verifying legitimate financial app usage.
Your password is encrypted using industry-standard hashing algorithms. We cannot see your actual password — only the encrypted version for authentication purposes.
We use the following third-party services:
We use AppsFlyer for user behavior data analysis and marketing attribution. AppsFlyer may collect:
Data Handling: AppsFlyer processes this data to provide us with aggregated analytics on user engagement, feature usage, and campaign effectiveness. Your financial data, SMS content, and phone number are never shared with AppsFlyer.
Under the Philippine Data Privacy Act of 2012 (RA 10173), you have the right to:
To exercise these rights, contact us at support@tipidmo.com or use the Delete Account feature in the App.
You can delete your account at any time: Go to Me → Settings → Delete Account. This will permanently remove:
Deletion is permanent and cannot be undone.
Our App is not intended for users under 18 years of age. We do not knowingly collect data from minors. If you believe we have collected data from a minor, please contact us immediately.
We may update this policy as our services evolve or laws change. Significant changes will be notified via App notification or email. Continued use after changes constitutes acceptance.
For questions, data access requests, or privacy concerns:
Email: support@tipidmo.com
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