This Privacy Policy explains how Moo Dividen ("we", "our", or "us") collects, uses, and protects your information when you use our mobile application Moo Dividen ("the App"). By using the App, you agree to the practices described in this policy.
1 Information We Collect
We may collect the following types of information:
- Account Information – name, email address, and password if you register an account.
- Usage Data – features you interact with, screens you visit, and actions you take inside the App.
- Device Information – device model, operating system version, unique device identifiers, and mobile network information.
- Financial Preferences – dividend watchlist, portfolio data, and investment preferences you enter voluntarily.
- Log Data – IP address, app crash reports, and diagnostic data automatically collected when you use the App.
We do not collect payment card numbers or sensitive financial account credentials. Any financial data you enter is stored locally on your device unless you explicitly opt in to cloud sync.
2 How We Use Your Information
We use collected information to:
- Provide, maintain, and improve the App's core features.
- Personalize your dividend tracking and notification experience.
- Send push notifications about dividend schedules and portfolio updates (only if you enable them).
- Analyze aggregate usage patterns to enhance performance and fix bugs.
- Comply with legal obligations and enforce our Terms of Service.
3 Sharing of Information
We do not sell your personal data. We may share information only in these limited cases:
- Service Providers – trusted third-party vendors (e.g., cloud hosting, analytics) who assist in operating the App under strict confidentiality agreements.
- Legal Requirements – if required by law, court order, or governmental authority.
- Business Transfer – in the event of a merger, acquisition, or sale of assets, your data may be transferred with prior notice.
4 Data Storage & Security
Your data is stored on secured servers with industry-standard encryption (TLS in transit, AES-256 at rest). While we implement robust safeguards, no system is 100% secure. We encourage you to use a strong password and keep your device secure.
Portfolio data entered in the App is stored primarily on your device. Cloud backup, if enabled, is encrypted before transmission.
5 Data Retention
We retain personal data for as long as your account is active or as needed to provide the App's services. You may request deletion of your account and associated data at any time by contacting us (see Section 9). We will process deletion requests within 30 days.
6 Third-Party Services
The App may integrate with third-party services such as:
- Google Analytics for Firebase – for anonymized usage analytics.
- Firebase Crashlytics – for crash reporting and stability monitoring.
- Stock / Dividend Data APIs – to retrieve publicly available market information.
These services have their own privacy policies and we encourage you to review them. We are not responsible for their practices.
7 Children's Privacy
Moo Dividen is not directed at children under the age of 13. We do not knowingly collect personal information from children. If we become aware that a child under 13 has provided personal information, we will delete it promptly. If you believe your child has submitted data, please contact us immediately.
8 Your Rights & Choices
Depending on your location, you may have the right to:
- Access the personal data we hold about you.
- Correct inaccurate or incomplete data.
- Delete your account and personal data.
- Opt out of marketing communications and push notifications.
- Data portability – request an export of your data in a machine-readable format.
To exercise any of these rights, contact us at the email address in Section 9.
9 Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy, please reach out:
We aim to respond to all inquiries within 5 business days.
10 Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page and, for significant changes, notify you via in-app notification or email. Continued use of the App after changes are posted constitutes your acceptance of the revised policy.