Privacy Policy

Last updated: 6 September 2026 · Effective: 6 September 2026

This Privacy Policy explains how Luy Money ("we", "us", "our") collects, uses, shares and protects your information when you use the Luy Money mobile application (Android package com.luymoney.app) and our related services (together, the "App").

Luy Money is a subscription-based financial education platform that gives members access to video lessons, articles and in-app support. By creating an account or using the App, you agree to this Privacy Policy.

1. Information We Collect

1.1 Information you give us

Account information — your name, email address and password when you register. Passwords are handled by Firebase Authentication and are stored only as salted hashes; we never see or store your plain-text password.
Profile information — an optional phone number and an optional profile photo that you choose to upload from your device's camera or photo library.
Support messages — the content of messages you send through in-app support chat, and any email you send us.
Subscription information — the plan you choose, your payment status, promo codes and referral codes you use, and the start and end dates of your subscription.

1.2 Information collected automatically

Usage and activity data — the lessons and articles you open, like, save, bookmark or comment on, and the time of those actions. This is used to power your saved list, your learning history and aggregate content statistics.
Device and app information — device model, operating system version, app version, language and country settings, and a device push token (Firebase Cloud Messaging) used to deliver notifications.
Diagnostics and crash data — crash logs, error traces and performance data collected by Firebase Crashlytics so we can fix problems in the App.
Analytics — anonymous, aggregated events collected by Firebase Analytics (for example, screens viewed and features used).

1.3 Information we do not collect

Luy Money does not collect your precise location, does not read your contacts, SMS messages, call logs, files or photo library beyond a single image you deliberately select as a profile picture, and does not connect to or read your bank accounts. We never store full card numbers, CVV codes or bank credentials — payments are handled entirely by our payment provider.

2. How We Use Your Information

Data	Purpose	Legal basis
Name, email, password	Create and secure your account; sign you in; send password-reset and verification emails	Performance of a contract
Phone number, profile photo	Personalise your profile and help our support team identify you	Consent
Subscription & payment status	Unlock member-only content, manage renewals, apply promo and referral codes, issue receipts	Performance of a contract
Activity data (likes, saves, comments, views)	Show your saved items and history; recommend and improve content	Legitimate interest
Push token	Send notifications about new lessons, subscription expiry and support replies	Consent
Crash and analytics data	Diagnose bugs, measure stability and improve the App	Legitimate interest
Support messages	Answer your questions and resolve issues	Performance of a contract

We do not sell your personal data, and we do not use your data for third-party advertising or ad targeting.

3. How Your Information Is Shared

We share data only with the service providers that make the App work, and only to the extent needed:

Google Firebase (Google LLC) — Authentication, Cloud Firestore, Cloud Storage, Cloud Functions, Cloud Messaging, Analytics, Crashlytics and App Check. Firebase hosts your account and content data on Google's infrastructure. Firebase privacy.
ABA Bank (ABA PAY) — processes subscription payments. Payment card and banking details are entered with the payment provider, not in our App, and are never transmitted to or stored by us. We receive only a confirmation of whether a payment succeeded.
Google Play — where the App is distributed and, where applicable, where purchases are processed.
Telegram — only if you choose to contact us through our Telegram support link, in which case Telegram's own privacy policy applies to that conversation.

We may also disclose information if we are legally required to do so, to enforce our Terms of Service, or to protect the rights, safety and property of our users or of Luy Money. If our business is ever transferred to another owner, your information may be transferred as part of that transaction, and this Policy will continue to apply.

4. International Data Transfers

Our data is stored on Google Cloud infrastructure and may be processed on servers located outside your country of residence. Google maintains contractual safeguards, including Standard Contractual Clauses where required, for such transfers.

5. Data Retention

Account and profile data is kept while your account is active.
Subscription and payment records are kept for up to 7 years where accounting or tax law requires it, even after account deletion.
Support messages are kept for up to 24 months.
Crash and analytics data is retained according to Firebase's default retention windows (generally up to 14 months for analytics, 90 days for crash reports).
When you delete your account, your personal data is deleted or irreversibly anonymised within 30 days, except for the records noted above.

6. Your Rights and Choices

Access and correction — view and edit your name, phone number and photo at any time in Settings → Profile.
Deletion — delete your account and associated data from Settings → Delete Account inside the App, or by following the steps on our account deletion page.
Notifications — turn push notifications off in Settings → Notifications or in your device's system settings.
Analytics — you may request that we exclude your account from analytics collection by emailing us.
Portability and objection — if you are in the EEA, the UK, or another region with similar laws, you may request a copy of your data, ask us to restrict or stop certain processing, or withdraw consent at any time.

To exercise any of these rights, email support@luymoney.com. We respond within 30 days.

7. Security

All traffic between the App and our servers uses HTTPS/TLS encryption; cleartext traffic is disabled in the App.
Access to your data is restricted by Firebase Security Rules so that one user cannot read another user's records.
Firebase App Check is used to block requests that do not come from a genuine installation of our App.
Optional biometric lock (fingerprint or face) can be enabled on your device for an extra layer of protection.
Passwords are stored only as salted hashes by Firebase Authentication.

No method of transmission or storage is completely secure, but we work to protect your information using industry-standard measures and will notify affected users and the relevant authorities of a data breach as required by law.

8. Children's Privacy

Luy Money is not directed at children. The App is intended for users aged 13 and over (16 and over in jurisdictions that require it). We do not knowingly collect personal information from children below those ages. If you believe a child has given us personal data, contact support@luymoney.com and we will delete it promptly.

9. Third-Party Links and Content

The App may embed or link to third-party content, such as YouTube videos or Telegram chats. We do not control those services, and their own privacy policies govern any data they collect.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will change the "Last updated" date at the top of this page, and for material changes we will notify you in the App or by email before the change takes effect. Continuing to use the App after a change means you accept the updated Policy.

11. Contact Us

If you have questions or complaints about this Privacy Policy or how we handle your data:

Luy Money
Email: support@luymoney.com
In-app: Settings → Support
App: Luy Money (com.luymoney.app)