Privacy Policy

Last updated: July 30, 2026

This Privacy Policy explains how PNM ("we," "us," "our"), the operator of TrovaMoney (the "Service"), collects, uses, stores, and protects your information when you use our website and application at trovamoney.com.

1. Who we are

TrovaMoney is a personal and household expense-tracking application operated by PNM, based in India. If you have questions about this policy, contact us at support@trovamoney.com.

2. Information we collect

Account information: name, email address, and password (handled securely by our authentication provider; we never see or store your raw password).

Financial data you enter: expenses, income, budgets, credit card names and billing cycle dates (not full card numbers), account balance snapshots, and any custom fields or notes you add. This data is entered manually by you — we do not connect to your bank accounts or read your actual bank/card statements.

Payment information: when you subscribe, payment is processed directly by Razorpay, our payment gateway. We do not store your card number, UPI ID, or other payment credentials — Razorpay handles this in compliance with PCI-DSS standards. We receive only confirmation that a payment succeeded or failed, along with a subscription reference ID.

Usage information: basic technical data such as login timestamps and session activity, used to keep your account secure (for example, detecting sign-ins from a new device).

3. How we use your information

• To provide the Service — storing and displaying your expense, income, and budget data
• To process your subscription payments and manage billing
• To communicate with you about your account, billing, or changes to our policies
• To maintain security, including detecting unauthorized access
• To improve the Service based on aggregate, non-identifying usage patterns

We do not sell your personal or financial data to third parties, and we do not use your financial entries for advertising purposes.

4. Where your data is stored

Your data is stored using Supabase, a third-party database and infrastructure provider, with access controls (row-level security) ensuring your data is only accessible to you and, if applicable, members of a household you've explicitly linked. Payment processing data is held by Razorpay under their own privacy and security practices.

5. Data sharing

We share data only with: - Razorpay, to process your subscription payments - Supabase, as our database and hosting infrastructure provider - Law enforcement or regulators, only if legally required to do so

We do not share your data with advertisers or data brokers.

6. Your rights and choices

• Access and export: you can export a full copy of your data at any time from within the app (Settings → Backup)
• Correction: you can edit or delete any entry you've added directly in the app
• Account deletion: to request deletion of your account and associated data, contact us at support@trovamoney.com. We will delete your data within 30 days, except where retention is required by law (e.g., payment records for tax/audit purposes)
• Household sharing: if you join or create a household, members of that household can see shared entries — only add people you trust with this information

7. Data retention

We retain your account and financial data for as long as your account is active. If you cancel your subscription, your data remains accessible to you (read-only or full, depending on your plan status) unless you request deletion.

8. Security

We use industry-standard practices including encrypted connections (HTTPS), database-level access controls, and secure secret management for payment credentials. No system is perfectly secure, and we encourage you to use a strong, unique password for your account.

9. Children's privacy

TrovaMoney is not intended for use by individuals under 18. We do not knowingly collect data from minors.

10. Changes to this policy

We may update this Privacy Policy from time to time. Material changes will be communicated via email or an in-app notice. Continued use of the Service after changes take effect constitutes acceptance of the updated policy.

11. Contact us

For questions, data requests, or concerns about this policy, contact us at support@trovamoney.com.

Business details: TrovaMoney is operated by PNM, based in Pune, Maharashtra, India. Phone: +91 72181 76877.