Privacy Policy for MyCredit

Last updated: October 30, 2026

This Privacy Policy explains how SmartWay (“Company”, “we”, “our”, or “us”) collects, uses, shares, and protects information about you when you use our mobile application MyCredit (“Service” or “App”). By using the App, you agree to the practices described in this Policy.

1. Information We Collect

Account Information: Name, email address, and phone number (if provided). If you sign in with Google, we receive your name and email address from your Google account, used only to create and secure your MyCredit account.
Financial Records You Enter: Income, expenses, debts and credits (amount, label, date, the person involved, due date, and status). MyCredit does not connect to your bank and never asks for bank card numbers or banking passwords.
Device Information: Device ID, operating system, and app version
Usage Data: App interactions, session duration, and crash reports

2. Use of Information

Providing and maintaining the App (tracking your money flows and credits, calculating balances)
Sending reminders and notifications you have enabled (for example, due dates)
Analyzing usage and crashes to improve the App’s functionality and user experience
Ensuring data integrity, security, and performance

3. Analytics and Third-Party Services

We rely on trusted third-party service providers to operate the App, such as Google Firebase (authentication, data hosting, notifications, analytics, and crash reporting). Where the App displays advertising, it may use Google AdMob, which can collect device identifiers to serve and measure ads. These providers process data according to their own privacy policies:

To opt out of Google Analytics: https://tools.google.com/dlpage/gaoptout. You can also reset or limit your advertising ID in your Android device settings.

4. Data Sharing

We do not sell your personal data, and we do not share your financial records with the people you list in them. We share data only with service providers that help us operate the App, under confidentiality obligations, or with authorities when required by law.

5. Your Privacy Rights

California Privacy Rights (CCPA/CPRA)

Know what personal data we collect
Request deletion of your personal data
Opt out of sale or sharing (we do not sell data)
Correct inaccurate information
Limit use of sensitive data

General Data Protection Regulation (GDPR)

Access, correct, or delete your personal data
Restrict or object to how we process your personal data
Request a copy of your personal data in a portable format
Withdraw consent at any time where processing is based on consent
Lodge a complaint with your local data protection authority

To exercise any of these rights, contact us at smart.waydevapp@gmail.com.

6. Account and Data Deletion

You can request deletion of your account and all associated data at any time by emailing smart.waydevapp@gmail.com with the subject “Delete my MyCredit account” from the email address linked to your account. We delete your account and financial records within 30 days, unless we are required by law to keep some data longer.

7. Data Retention

We keep your personal data and records for as long as your account is active, or as needed to provide the App’s services and comply with legal obligations.

8. Security

Data is encrypted in transit (HTTPS/TLS), and we use commercially reasonable safeguards to protect it. However, no method of transmission or storage is completely secure.

9. Children’s Privacy

MyCredit is not intended for children under 13. We do not knowingly collect personal data from children under 13. If we learn that we have, we delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes are posted on this page with a new “Last updated” date.

11. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at: smart.waydevapp@gmail.com