MarcoMan1. Scope and who we are
This Privacy Policy applies to the MarcoMan mobile app, its website, and the related services that support account access and server storage (together, the “Service”). In this policy, “MarcoMan”, “we”, “our”, and “us” refer to the operator of the Service.
MarcoMan is a personal record-keeping tool. It is not a bank, payment processor, investment platform, credit bureau, or financial adviser, and it does not connect to or move money between bank accounts.
2. Information we handle
Account information
When you create or maintain an account, we process information such as your name, email address, mobile number, country calling code, password credential, account status, and storage preference. Passwords are stored as password hashes rather than readable passwords.
Financial records you choose to enter
Depending on your storage choice, MarcoMan may process account and ledger names, account groups, transaction dates and amounts, transaction particulars, balances, budgets, targets, recurring occurrences, and related calculations. This information is entered by you; MarcoMan does not retrieve it directly from your bank.
Device, session, and technical information
To authenticate sessions and protect accounts, we may process a device identifier and device name, session and token records, session creation and last-used times, IP address and browser details for web access, and limited server logs needed for security, reliability, and troubleshooting.
Communications
If you contact us or request an account verification or password reset, we process the information needed to respond and deliver the relevant email.
3. How we use information
- create, authenticate, maintain, and secure your account;
- store, retrieve, calculate, and display your personal finance records;
- provide password resets, account verification, support, and deletion tools;
- maintain sessions across supported devices;
- prevent abuse, diagnose errors, and protect the Service; and
- comply with applicable legal obligations.
We do not use your financial records to make lending, insurance, employment, investment, or other eligibility decisions.
4. Your storage choice
Local storage
When you select LOCAL, financial records are kept on your device. MarcoMan cannot restore locally stored records after device loss, app removal, a reset, or other local data loss unless a separate backup or migration feature explicitly says otherwise. Account and authentication information may still be processed by our server so that you can access the Service.
Server storage
When you select SERVER, the financial records needed to provide that mode are transmitted to and stored through our service. They are associated with your MarcoMan account so the app can retrieve them after authentication.
Changing storage mode does not automatically guarantee that existing records are copied, merged, backed up, or deleted. Follow any migration or deletion steps shown in the app.
5. Security
We use reasonable administrative and technical safeguards designed to protect information handled by the Service. These include password hashing, hashed session tokens, authenticated access controls, and the obfuscation of server-stored transaction particulars described above.
No app, device, transmission, or storage system can be guaranteed completely secure. You are responsible for protecting your device, email account, and sign-in credentials and for notifying us promptly if you believe your MarcoMan account has been accessed without permission.
7. Retention and deletion
We retain account and server-stored information while your account is active and as needed to provide the Service. Session records and limited logs may be kept for security, troubleshooting, and abuse prevention. We may retain information longer where reasonably necessary to comply with law, resolve disputes, prevent fraud, or enforce agreements.
You can initiate deletion using the account-removal option available in MarcoMan. The current deletion flow removes associated server-side financial records and deactivates the account. Limited registration, security, or legal records may remain where necessary for the purposes described above and will not be used to provide an active account.
Deleting the app generally removes locally stored app data from that device. We cannot delete or recover copies that exist solely in your own backups or other locations outside our control.
8. Your choices and rights
Subject to applicable law and appropriate identity verification, you may ask to access, correct, or delete personal data associated with your account, withdraw consent where processing relies on consent, or raise a concern about how information is handled.
You may update certain account details and choose between supported storage modes inside the app. To make another privacy request, contact us using the details below. We may ask for information needed to verify that the request relates to your account.
9. Children's privacy
MarcoMan is a general-audience financial record-keeping tool and is not directed to children. If you believe a child has provided personal data without appropriate authorization, contact us so we can review and take appropriate action.
10. Processing locations
Our service providers may process information in locations other than where you live. Where applicable, we use contractual and organizational measures intended to protect information when it is processed by a service provider in another location.
11. Changes to this policy
We may update this Privacy Policy to reflect changes to MarcoMan, our security practices, service providers, or applicable requirements. We will post the revised policy with a new effective date and provide additional notice where a change is material and notice is required.
12. Contact and privacy requests
For privacy questions, account-deletion assistance, or a grievance concerning your personal data, contact:
MarcoMan Privacy
marcomanapp@gmail.com
Please do not include passwords, one-time codes, complete financial records, or other unnecessary sensitive information in your email.