Privacy Policy

This Privacy Policy describes how Millio ("we," "us," or "our") handles information when you use the Millio mobile application and related website (the "App," "Service," or "Site").

Privacy contact: millio.support@gmail.com

General contact: millio.support@gmail.com

This Privacy Policy applies to information processed through the App and this website. It does not apply to third-party websites, services, or app store platforms except as described below.

Because this is a finance-related app, we describe financial information carefully. The App is not a bank and does not connect to bank accounts or collect bank login credentials, full payment card numbers, or similar payment credentials.

The information processed by the App depends on how you use it. The following categories may apply:

A. Account information — identifiers associated with sign-in through Apple, Google, or email authentication (such as account ID, email address where provided by the sign-in provider, and display name).

B. Profile and settings information — selected currency, default chart settings (metric, period, chart type), monthly budget, and related preferences you configure.

C. Financial and transaction information you enter — merchant or title, amount, date, category, subcategory, transaction type (expense or income), recurrence settings, and optional labels or icons associated with transactions.

D. Categories and budgets — custom category names, icons, optional logo images, subcategories, and per-category monthly budgets.

E. Linked card display information — optional cardholder name, card brand selection, and last four digits for display on the home card. The App does not collect full card numbers, CVV codes, or payment credentials.

F. Saved comparisons — names and configuration of chart comparisons you save in the Compare feature.

G. Device and app data — standard mobile operating system data needed to run the App, including local preferences stored on your device.

H. Photos you choose to upload — if you select an image from your device photo library for a category logo, that image is used within the App as part of your app data.

I. Subscription status — Apple or Google may provide us with subscription status, product identifiers, and related purchase metadata through their billing systems and subscription services we use (such as RevenueCat). We do not receive your full payment card details from those platforms.

J. Website usage — standard server logs for this marketing site may include IP address, browser type, and pages visited. We do not use advertising trackers on this site in the current implementation.

We collect information in the following ways:

• Directly from you when you enter transactions, create categories, set budgets, configure settings, add linked card display details, save comparisons, or upload optional category images.

• From authentication providers when you sign in with Apple, Google, or email.

• Automatically when the App stores preferences locally and syncs account content with our cloud backend.

• From third-party platforms when you purchase a subscription through Apple App Store or Google Play.

• From external content providers when the App loads merchant or brand logo URLs you or the app reference.

• Automatically when you visit this website through ordinary web server logs.

We use information to:

• Provide and operate the Service, including displaying transactions, budgets, analytics, comparisons, recurring bill views, and settings.

• Authenticate you and sync your data across sessions and devices where available.

• Generate charts, summaries, and organizational views based on the data you enter.

• Support import and export features when available in your app version.

• Process and validate Premium subscriptions.

• Respond to support requests and legal or security obligations.

• Maintain the security and integrity of the Service and prevent abuse.

• Operate and improve this website.

We do not use your information for third-party advertising in the current implementation, and we do not sell your personal information.

The App helps you manually record and organize financial activity. Financial information is information you type or import into the App, such as transaction amounts, merchants, categories, budgets, and balances.

The App does not access your bank accounts, brokerage accounts, credit cards, or payment accounts unless a future version explicitly adds that functionality and updates this Privacy Policy.

Calculations, charts, and summaries are generated from the data available in the App. They are provided for organizational purposes only and should not be treated as financial advice.

Account, transaction, category, budget, and related app content are stored in our cloud backend so the Service can sync across sessions while you are signed in.

Some preferences and temporary data may also be stored locally on your device.

Subscription status may be processed by Apple, Google, and subscription infrastructure providers we use to validate entitlements.

We do not sell your personal information. We share information only in the limited circumstances below:

• Service providers necessary to operate the App, including authentication, cloud hosting/database providers, and subscription validation services.

• Apple App Store or Google Play for subscription billing.

• External hosts when the App requests merchant or brand logo images from third-party URLs.

• Legal and safety purposes, if we believe disclosure is required by law, regulation, legal process, or to protect rights, safety, and security.

• Business transfers, if we are involved in a merger, acquisition, or asset sale, subject to appropriate notice where required by law.

The App and Site may use third-party services to operate, including:

• Authentication providers (such as Apple, Google, and Firebase Authentication) to sign you in.

• Cloud infrastructure (such as Firebase/Firestore and related backend services) to store and sync your app data.

• Apple App Store / Google Play and subscription services (such as RevenueCat) to process and validate Premium purchases.

• External logo/content URLs when displaying merchants or categories.

• Device photo library access when you choose a category logo image.

We retain account and synced app data while your account remains active and as needed to provide the Service.

Locally stored preferences remain on your device until you clear them, log out where applicable, or uninstall the App, subject to your operating system behavior and backups.

We may retain limited records where necessary to comply with law, resolve disputes, enforce agreements, or protect security.

You may request deletion of your account and associated personal data by contacting us at the privacy email below.

Logging out returns you to the welcome screen and ends your authenticated session on that device, but does not by itself delete your cloud account data.

Uninstalling the App removes local app data from that device, subject to your operating system behavior and backups, but does not automatically delete cloud-stored account data.

To request deletion of information associated with your account, subscription, or support request, contact millio.support@gmail.com. We will respond in accordance with applicable law.

The App may include export options describing CSV and PDF formats. Depending on your app version, export file generation and sharing may still be under development.

When export functionality is available, it is intended to let you download transaction and related data you have entered into the App.

The App may include import options describing how to prepare CSV files for transaction import. Depending on your app version, file selection and import processing may still be under development.

If you import data, the imported content becomes part of the information processed by the App as described in this Privacy Policy.

We implement reasonable technical and organizational measures designed to protect information associated with the Service.

Protecting your device with a passcode, biometric lock, and current operating system updates remains an important part of safeguarding your information.

No method of transmission or storage is completely secure. We cannot guarantee absolute security.

The Service is not directed to children under 13, and we do not knowingly collect personal information from children under 13.

If you believe a child has provided us with personal information, contact us at the privacy email above and we will take appropriate steps in accordance with applicable law.

Your information may be processed in countries other than your own by us and by third-party providers that help operate the Service, including authentication, hosting, and subscription platforms.

Where required by law, we take steps designed to ensure appropriate safeguards for such processing.

Depending on your location and applicable law, you may have rights to access, correct, delete, restrict, or object to certain processing of your personal information, or to receive a portable copy of information you provided.

You may already be able to access and change much of your data directly in the App settings and editors.

To exercise privacy rights related to your account, support requests, or information not accessible in the App, contact millio.support@gmail.com. We may need to verify your request as permitted by law.

The mobile App does not use browser cookies. The current App does not implement third-party advertising trackers.

This website may use essential cookies or local storage required for basic operation. If analytics, crash reporting, or similar technologies are enabled in a future version, this Privacy Policy will be updated to describe them.

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, where appropriate, provide additional notice in the App or on this website.

Your continued use of the App or Site after an update means you accept the revised Privacy Policy, except where applicable law requires a different form of consent.

If you have questions about this Privacy Policy or our data practices, contact millio.support@gmail.com.

For general support inquiries, contact millio.support@gmail.com.