Last updated: May 2026 · Version 1.1
PCMC Tecnologia Ltda ·
contato@pcmctecnologia.com.br ·
+55 (31) 9.9234.5000
Summary in one sentence: MotoFinance is 100% offline — your financial data stays exclusively on your phone and is never sent to any server or third party.
1. Who we are
MotoFinance is developed and maintained by PCMC Tecnologia Ltda, a private legal entity based in Brazil. This Privacy Policy describes how we handle information from users of the MotoFinance app available on the Google Play Store.
By installing or using MotoFinance, you declare that you have read, understood and agreed to this Policy. If you do not agree with any provision, please do not use the app.
2. Data we do NOT collect
MotoFinance does not collect, store, transmit or share any personal or financial data from users. Specifically, the app:
- Does not require registration, login or account creation
- Does not access the camera, location, contacts, microphone or any device sensor beyond those listed in section 5
- Does not make network calls, HTTP requests or any communication with external servers
- Does not use behavioral analytics tools, tracking or telemetry
- Does not display advertisements of any kind
- Does not share data with third parties, partners, advertisers or affiliates
- Does not use cookies, advertising identifiers (ADID/IDFA) or any tracking technology
3. Local data storage
All data entered by the user — financial entries, categories, income sources, goals, settings and preferences — is stored exclusively in the local database on the device, using SQLite.
This data resides in the phone's internal storage, protected by the Android operating system, and never leaves the device unless the user manually exports it through the backup function.
Important consequence: uninstalling the app without making a backup will result in the permanent loss of all recorded data. PCMC Tecnologia Ltda does not hold a copy of this data and cannot recover it.
4. Backup and data export
The app provides a backup function that allows users to export and import their own data. This process is entirely controlled by the user:
- The backup file is generated locally on the user's device
- The user chooses where to save it: internal storage, SD card, Google Drive, etc.
- Sharing via WhatsApp, email or another service is initiated exclusively by the user
- PCMC Tecnologia Ltda does not have access to any backup file generated by the app
Important: when sharing the backup file with third parties or storing it in cloud services, the user assumes full responsibility for the security and confidentiality of their financial information. We recommend keeping the backup file in a location with restricted access.
5. Permissions used by the app
MotoFinance requests only the permissions strictly necessary for its features. None of them are used to collect or transmit data:
- Notifications (POST_NOTIFICATIONS): to display reminders for recurring entries configured by the user. Optional — the app works normally without this permission.
- Storage access (SAF — Storage Access Framework): requested only when the user chooses to save or restore a backup file in a local folder on the device.
- Biometrics (USE_BIOMETRIC / USE_FINGERPRINT): used only if the user enables fingerprint or Face ID authentication in Settings → Security. Biometric data is processed entirely by the Android operating system and never accessed by the app.
6. Subscription and Google Play Store
MotoFinance uses the Google Play Store payment infrastructure to manage subscriptions. In this context:
- Google processes and stores payment data (credit card, banking details, etc.) directly — PCMC Tecnologia Ltda does not have access to this data
- The only information we receive from Google is confirmation of the subscription status (active, cancelled, in trial period), without any financial or personal user data
- Use of the Google Play Store is subject to Google's Privacy Policy
7. User responsibility
MotoFinance is a personal financial management support tool. It does not replace the advice of accountants, financial advisors, tax attorneys or any other specialized professional.
The user is solely responsible for:
- Accuracy of entered data: the results and reports generated by the app depend directly on the accuracy and completeness of entries made by the user. Incorrect or incomplete data will produce incorrect results.
- Financial decisions: any decisions made based on information displayed by the app — including decisions about spending, investments, tax filing, service pricing or financial planning — are the sole responsibility of the user.
- Performing backups: since data is stored only on the device, the user is responsible for making regular backups to avoid loss of information in the event of device failure, factory reset, theft or phone replacement.
- Device security: the user is responsible for protecting physical access to the phone where MotoFinance is installed, as well as for properly configuring available security mechanisms (PIN, biometrics, screen lock).
- Appropriate use: the user must use the app in accordance with these Terms and applicable law.
8. Limitation of liability
MotoFinance is provided "as is", without warranties of any kind, express or implied. PCMC Tecnologia Ltda is not liable for:
- Data loss resulting from device failure, factory reset, theft, operating system update or failure to perform a backup
- Calculation inaccuracies resulting from data entered incorrectly, incompletely or out of context by the user
- Financial, tax, employment or other decisions of any nature made based on information displayed by the app
- Direct, indirect, incidental, special or consequential damages resulting from the use or inability to use the app
- Temporary interruptions in app functionality due to updates, maintenance or incompatibilities with Android OS versions
- Misuse of the backup file by third parties in the event of inadequate sharing by the user
In no event shall PCMC Tecnologia Ltda's total liability to the user exceed the amount paid for the subscription in the last 12 months.
9. Target audience and minors
MotoFinance is intended exclusively for adult self-employed workers — motorcycle delivery riders, couriers, rideshare drivers and other delivery professionals. The app is not directed at users under 18 years of age.
The app does not collect data from any user, including potential minors. If a legal guardian becomes aware that a minor has used the app, please contact us.
10. Third-party links and services
This policy applies exclusively to the MotoFinance app. Links or references to third-party services (Google Play Store, WhatsApp, Google Drive, etc.) are subject to those services' respective privacy policies, for which PCMC Tecnologia Ltda is not responsible.
11. Changes to this Policy
PCMC Tecnologia Ltda may update this Privacy Policy at any time. In the event of significant changes, users will be notified via an in-app notice or on the app's Play Store listing.
The date of the last update is indicated at the top of this document. Continued use of the app after changes are published constitutes acceptance of the new version.
12. Applicable law and jurisdiction
This Privacy Policy is governed by the laws of the Federative Republic of Brazil, in particular the General Data Protection Law (LGPD — Law No. 13,709/2018) and the Consumer Protection Code (Law No. 8,078/1990).
For the resolution of any disputes, the court of the user's place of residence is elected, as permitted by the Consumer Protection Code.