Privacy Policy

Last updated: August 4, 2026

Finance App ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website.

1. Information We Collect

Finance App does not connect to your bank accounts and does not access your financial institutions. Your financial data is stored locally on your device. The information we handle is limited to:

• On-device financial data — expenses, incomes, budgets, goals, and accounts you enter or import via screenshots. This data stays on your iPhone and is never uploaded to a server or cloud database.
• Account data (optional) — if you sign in, we store the credentials provided through Apple's Sign in with Apple, Google Sign-In, or email/password via Firebase Authentication (e.g., your email address and display name). This is used only to authenticate you; your financial data is not tied to or synced with your account.
• AI processing data (only when you use AI features) — when you actively use the AI Assistant (screenshot recognition or AI advice), the screenshot image and/or a summary of your transactions is sent to Google's Gemini API to generate results. This happens only on your initiative, never in the background.
• Analytics & Crash Reports — anonymized, non-personal usage data and crash reports via Apple's standard frameworks. This data cannot be linked to you and is used solely to improve the app.

2. How We Use Your Information

Your financial data is processed locally on your device:

• Budget & Goal Tracking — your financial data is used only to display charts, progress bars, and predictions within the app.
• AI Assistant (optional, on your initiative) — when you use screenshot recognition or AI advice, the relevant data is sent to Google's Gemini API. Screenshots are sent as full images and may contain visible details such as merchant names, amounts, dates, or card numbers. The AI advice feature sends a summary of your transactions (merchant names, amounts, dates, categories). These requests are made only when you actively use the feature and are not performed in the background.
• Currency Conversion — exchange rates are fetched from a public API. Only currency codes are sent; no personal data is included in these requests.

3. Data Storage and Security

Your financial data is stored in the app's sandboxed container on your device, protected by iOS security features including hardware encryption. If you enable Face ID or Touch ID, the app is locked behind biometric authentication.

Sign-in is optional. If you create an account, it is handled by Firebase Authentication (email/password, Google, or Apple) and only serves to authenticate you. There is no cloud database of financial information — your transactions, budgets, goals, and accounts always remain on your device and are never synchronized to any server.

4. Third-Party Services

Finance App uses the following third-party services:

• Google AI Studio (Gemini API) — powers the AI Assistant (screenshot recognition and AI advice). Screenshots and transaction summaries are sent to Google only when you actively use these features.
• Firebase Authentication (Google) — provides optional sign-in with email/password, Google, or Apple. Only authentication data (email, display name) is processed.
• Apple App Store / StoreKit — processes subscriptions and purchases. Payments and receipts are handled entirely by Apple; we do not receive or store your payment details.
• ExchangeRate-API — provides live currency conversion rates. Only currency codes are sent, no personal data.
• Google Fonts — for typography on our website. No data is shared from the app itself.

5. Subscriptions & Purchases

Finance App is free to download and use. The AI Premium subscription (a monthly subscription, e.g., $4.99/month or regional equivalent) unlocks the full AI Assistant features. Subscriptions are purchased through Apple's App Store and are managed by Apple:

• Payment is charged to your Apple ID account and confirmed by Apple.
• Subscriptions auto-renew unless auto-renewal is turned off at least 24 hours before the end of the current period.
• You can manage or cancel your subscription at any time in your Apple ID account settings.
• We never receive, store, or process your credit card or payment information.

6. Your Rights

Since your financial data is stored only on your device, you have full control over it. You can:

• Delete individual transactions or all data via the app settings.
• Sign out or delete your authentication account at any time — your on-device data remains unaffected.
• Export your data as CSV or JSON at any time.
• Delete the app — this removes all data from your device.

7. Children's Privacy

Finance App is not directed at children under 13. We do not knowingly collect any information from children.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date.

9. Contact

If you have any questions about this Privacy Policy, please contact us at support@thefinanceapp.app.