MoMoDi Privacy Policy

MoMoDi - Mobile Money Directory

Last updated: April 8, 2026

Introduction

MoMoDi ("we", "our", or "the app") is a mobile money expense tracking and merchant payment application designed for MTN Mobile Money (MoMo) users in Rwanda. This Privacy Policy explains how we collect, use, and protect your information when you use our Android application.

By using MoMoDi, you agree to the collection and use of information as described in this policy.

Information We Collect

1. Device Identifier

When you first open MoMoDi, we generate a random unique identifier (UUID) stored locally on your device. This identifier is not linked to your personal identity, phone number, or Google account. It is used solely to associate your contributions (such as merchant codes you add) with your device.

2. SMS Messages

MoMoDi reads incoming SMS messages only from MTN Mobile Money. We use the following permissions:

  • RECEIVE_SMS: To detect new incoming MoMo transaction confirmation messages in real-time.
  • READ_SMS: To access existing MoMo SMS history on first install, allowing us to populate your transaction history.

What we parse from MoMo SMS messages:

  • Transaction type (payment, transfer, cash-in, cash-out, airtime, etc.)
  • Transaction amount
  • Recipient or sender name
  • Transaction reference ID
  • Date and time

What we do NOT do with your SMS:

  • We do not read SMS messages from any sender other than MTN Mobile Money.
  • We do not transmit raw SMS message content to any server.
  • We do not store the full text of SMS messages beyond on-device processing.
  • We do not share SMS data with any third parties.

All SMS parsing happens entirely on your device. Only structured transaction data (amount, type, date, category) is stored in a local database on your phone.

3. Contacts

MoMoDi requests access to your device contacts to enable person-to-person money transfers. When you choose to send money to a contact:

  • We read contact names and phone numbers from your device.
  • We filter for valid Rwandan phone numbers only.
  • Contact data is used solely within the app to initiate USSD-based transfers.
  • Contact data is not stored in any database, transmitted to any server, or shared with third parties.

4. Payment Activity

When you make a payment through MoMoDi, we send the following information to our backend server:

  • Your anonymous device identifier (UUID)
  • The merchant code used
  • The merchant/business name
  • The payment amount

This data helps us improve the merchant directory and understand usage patterns. It does not include your name, phone number, or any other personally identifiable information.

5. User-Contributed Merchant Codes

If you add a new merchant code to MoMoDi, we send the following to our backend:

  • Your anonymous device identifier
  • The merchant code
  • The business name

6. App Version and Update Checks

We periodically check whether a newer version of MoMoDi is available. This request includes your anonymous device identifier and your current app version number. No other data is sent.

Data Storage

On-Device Storage

  • Transaction history is stored in a local Room database on your device.
  • Merchant codes and recently used codes are stored locally.
  • Your anonymous device identifier and registration status are stored in local shared preferences.

Server-Side Storage

  • Anonymous payment activity records (device UUID, merchant code, business name, amount).
  • User-contributed merchant codes (device UUID, code, business name).
  • Anonymous device identifier and app version for update checks.

Our backend server is hosted at a secure HTTPS endpoint. All communication between the app and our server is encrypted via TLS.

How We Use Your Information

  • SMS messages: Automatic transaction tracking and expense reporting
  • Contacts: Enabling person-to-person mobile money transfers
  • Payment activity: Improving the merchant directory and understanding usage patterns
  • Contributed codes: Expanding the shared merchant code database
  • Device ID + version: Delivering app update notifications

Data Sharing

We do not sell, rent, or share your personal data with any third parties.

We do not use any third-party analytics, advertising, or tracking SDKs.

The only data transmitted from the app is the anonymous payment and merchant code data described above, sent to our own backend server.

Data Retention and Deletion

  • On-device data: All local data (transactions, merchant codes, preferences) remains on your device. You can delete it at any time by clearing the app's data or uninstalling MoMoDi.
  • Server-side data: Anonymous payment and merchant code records are retained on our server. Since these records are identified only by a random UUID and contain no personally identifiable information, they cannot be linked back to you. If you wish to request deletion of server-side data associated with your device identifier, please contact us.

Permissions Summary

  • RECEIVE_SMS: Detect incoming MoMo transaction messages to auto-track expenses
  • READ_SMS: Read existing MoMo SMS history to backfill transaction data on first install
  • READ_CONTACTS: Display your contacts for person-to-person money transfers
  • CALL_PHONE: Initiate USSD payment codes on your behalf
  • INTERNET: Communicate with our backend for merchant codes and update checks
  • POST_NOTIFICATIONS: Display notifications when processing transaction SMS
  • FOREGROUND_SERVICE: Process incoming SMS messages reliably in the background

Children's Privacy

MoMoDi is not intended for use by children under the age of 13. We do not knowingly collect personal information from children.

Security

We take reasonable measures to protect the data we handle:

  • All network communication uses HTTPS/TLS encryption.
  • SMS parsing happens entirely on-device.
  • No personally identifiable information is transmitted to our servers.
  • The device identifier is a randomly generated UUID with no link to your identity.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by updating the "Last updated" date at the top of this page. We encourage you to review this Privacy Policy periodically.

Contact Us

If you have any questions or concerns about this Privacy Policy or MoMoDi's data practices, please contact us at:

Email: support@kamagram.com

This privacy policy is effective as of April 8, 2026.