Optional SMS parsing
Process only messages on your own device that you are entitled to use. The parser may miss or misread formats; review amount, direction, date and category before confirming. SMS-derived transactions stay encrypted on-device and are excluded from cloud sync and cloud backups. Raw SMS and credentials are not uploaded. SMS is not used to authenticate you or make payments. Permission consent is separate from terms acceptance; declining it leaves manual tracking available. Automatic access is restricted to configured distributions and subject to platform review. These terms do not constitute Google approval.
Purchase tools
Before You Buy is a budget-impact scenario, not a bank balance, forecast, affordability guarantee or professional advice. Price Memory compares your entered prices and normalized quantities for matching products and variants, not live market prices. Neither tool infers item prices from bank-payment totals. Price history stays on your phone and is not currently cloud-synced or backed up. Clearing storage or uninstalling may remove it.
Acceptance of terms
By using MoneyKai, users agree to these terms. If they do not agree, they should stop using the service.
Use of MoneyKai
MoneyKai is intended to help users organize and understand personal finance information such as budgets, transactions, savings progress, and shared expenses.
Local data responsibility
MoneyKai stores records locally and may sync non-SMS signed-in records. HTTPS is encryption in transit, not end-to-end encryption. SMS-derived transactions and Price Memory remain on-device and are excluded from cloud backups. Do not enter credentials in record fields. Users are responsible for reviewing records and protecting exported files; deletion and support channels are described in the privacy policy.
No professional financial advice
MoneyKai provides product functionality for personal finance organization. It does not replace professional financial, legal, investment, or tax advice.
Service availability
Features may change, improve, or become temporarily unavailable over time because of maintenance, bugs, connectivity issues, or product changes.
Data responsibility
Users are responsible for reviewing the accuracy of the information they enter before relying on it for important decisions.
Last updated
September 30, 2026