CITT

    Scan results

    Money Lover: Money Manager

    iOS

    Money Lover is a personal finance management app that helps track expenses, budgets, and transactions. It offers features like transaction categorization, account management, bill reminders, and integration with banking services through Finsify and Salted Edge APIs.

    CITT SCORE
    47
    out of 100
    unTRUSTED

    Quick Verdict

    Best for: Casual expense tracking with low financial sensitivity

    Not For: Users storing full financial account details

    What It Means For You

    Financial records and spending habits are shared with multiple advertising and analytics companies, including Facebook and location-data services. Personal financial data is handled with weaker-than-expected protections given what the app holds. Users may see targeted ads based on their money management activity.

    Method and Limitations

    Static analysis only. CITT reviewed the code of this build without running the app, so runtime behavior was not observed. The findings below describe the analyzed build and may not reflect server-side controls or later versions. CITT makes no determination about compliance with any law or platform policy; it reports what the artifacts contain and cites the published guidance so a reader can compare.

    How CITT scores an app

    Findings (19)

    Data Security

    6 total
    1 Critical
    2 High
    2 Medium
    1 Low

    Network Security

    2 total
    1 Critical
    1 Medium

    Code Security

    4 total
    1 High
    2 Medium
    1 Low

    Privacy

    5 total
    3 High
    1 Medium
    1 Low

    Third-Party Risk

    2 total
    2 Medium

    Third-Party Services

    Firebase Analytics, Firebase Crashlytics, Firebase Messaging, Firebase Remote Config, Firebase Performance, Firebase Dynamic Links, CleverTap, Google AdMob, Facebook SDK, Google Sign-In, Finsify, Salted Edge, Foursquare, User Messaging Platform, DebugSwift, Lottie, RxSwift

    Security Strengths

    • ✓Keychain infrastructure present for secure credential storage
    • ✓Biometric authentication (Face ID/Touch ID) implemented
    • ✓Facebook auto-logging disabled (FacebookAutoLogAppEventsEnabled: false)
    • ✓Privacy manifests present for iOS 17+ compliance
    What changed since the last scan

    Version diff is on the Developer plan. See developer plans.

    Context Tags

    financial
    sensitive data
    location
    ads
    analytics
    banking integration
    widgets

    Package

    me.moneylover.ios.Money-Lover

    Version

    8.64.0 (Build 9187)

    Analysis Date

    Mar 26, 2026

    0

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    View on App Store

    Recommendation: Use With Caution

    Key Findings

    Data Security - 6 findings (1 critical, 2 high, 2 medium, 1 low)

    Network Security - 2 findings (1 critical, 1 medium)

    Code Safety - 0 findings

    Privacy - 5 findings (3 high, 1 medium, 1 low)

    Privacy Concerns

    What Data is Collected

    The app collects behavioral and usage data through multiple analytics services, including Firebase Analytics, CleverTap, and the Facebook SDK. Location-related data is gathered via Foursquare. Advertising identifiers and device information are sent to Google AdMob. Crash reports and performance metrics are collected via Firebase Crashlytics and Firebase Performance.

    Third-Party Data Sharing

    User data is shared with a broad network of third parties: Google (Firebase Analytics, Crashlytics, Messaging, Remote Config, Performance, Dynamic Links, AdMob, and Sign-In), Facebook, CleverTap for behavioral marketing, Foursquare for location services, Salted Edge and Finsify for financial data connectivity, and additional advertising infrastructure via the User Messaging Platform.

    Understanding the Scores

    • Security: 42/100
    • Privacy: 58/100
    • Data Security: 38/100
    • Network Security: 55/100
    • Code Safety: 78/100
    • Data Collection: 75/100
    • Data Sharing: 82/100
    • User Control: 70/100

    Positive Security Features

    No notable positive security practices were identified during this analysis.

    Areas for Improvement

    • Financial data could be better protected in transit and at rest, reducing the chance of it being accessed by unintended parties.
    • The number of advertising and analytics services receiving user spending behavior is high for a finance app. Reducing this would give users more control over who sees their financial activity.
    • Network communication practices have room to be strengthened so that user data is better protected as it travels between the app and external services.

    About This Analysis

    This scorecard is based on automated static analysis of the app's code and configuration. Scores reflect the security and privacy posture observed at the time of the scan.

    App Details

    • Package ID: me.moneylover.ios.Money-Lover
    • Version: 8.64.0 (Build 9187)
    • Scan Date: 2026-03-27

    Right of Reply

    Developer not yet contacted