Privacy Policy for FinanceFlow

1. Introduction

FinanceFlow ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how our mobile application collects, uses, and safeguards your information when you use FinanceFlow.

2. Information We Collect

2.1 Personal and Financial Data

FinanceFlow collects information to provide personal finance management services. This includes:

• Account information (such as email address) when you use cloud features
• Financial transactions (income, expenses, categories, amounts, and dates)
• Accounts and balances you create to organize your finances
• Messages you send to the in-app AI assistant, which are processed to generate a response (see Section 5)
• Your subscription status for FinanceFlow Premium (see Section 6)
• User preferences (selected currency, language, and theme)

2.2 Usage Data

We may collect anonymous analytics data regarding how the application is used to improve our services and user experience.

3. How We Use Your Information

The information we collect is used to:

• Provide core functionalities like tracking income and expenses
• Visualize your monthly financial health
• Power the AI assistant that answers questions about your finances and helps you add, edit, or delete entries
• Manage FinanceFlow Premium subscriptions and unlock the corresponding features
• Synchronize your data across devices using cloud services
• Maintain user preferences across sessions
• Improve app functionality and user experience

4. Data Storage and Security

Your data is stored locally on your device for offline access and synced with our secure cloud servers (via Firebase) if you use our cloud features. We implement appropriate security measures to protect your information from unauthorized access, alteration, or destruction.

5. Third-Party Services

FinanceFlow relies on the following Google services. When you use these features, the relevant data is processed by Google and is subject to Google's Privacy Policy:

• Google Firebase (Authentication and Firestore): used to sign you in and to securely store and synchronize your data in the cloud.
• Google Cloud Vertex AI (Gemini models): powers the in-app AI assistant. When you send a message to the assistant, your message and the financial data needed to answer it are sent to Vertex AI to generate a response. This data is used only to produce your answer and, in accordance with Google Cloud's data processing terms, is not used to train generative AI models.
• Google Play Billing: processes purchases and renewals of the FinanceFlow Premium subscription.

Aside from these Google services, no other third parties have access to your personal financial information.

6. Subscriptions and Payments

FinanceFlow offers an optional paid subscription, FinanceFlow Premium, which unlocks features such as the AI-powered financial assistant.

• Purchases and renewals are processed by Google Play Billing. We do not receive or store your payment card details.
• We store your subscription status (such as whether Premium is active and its expiration date) so the app can unlock the corresponding features.
• Subscriptions are managed through your Google Play account, where you can also cancel them at any time.

7. Permissions

FinanceFlow requires the following permissions:

• Internet: Required to sync your financial data with cloud services (Firebase), authenticate your account, use the AI assistant, and process subscriptions.

8. Data Sharing

We do not sell, trade, or share your personal financial information with third parties. Your data remains private and is solely used to provide the application's features, including through the Google services described in Section 5.

9. Data Retention and Deletion

We retain your information as long as your account is active. You can delete your data by:

• Deleting individual transactions in the app
• Using the account deletion feature within the application (which removes data from our servers)
• Clearing the app's local data or uninstalling the application (which removes local copies)

10. Children's Privacy

FinanceFlow is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

12. Your Rights

You have the right to:

• Access your personal data stored in the app
• Request the deletion of your account and associated data
• Opt-out of data synchronization by using the app offline

13. Contact Us

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

Contact page

14. Compliance

This Privacy Policy is designed to comply with applicable privacy laws and regulations, including the Google Play Store's data safety requirements.