Privacy Policy

At CashFlow AI, we take your privacy seriously. This Privacy Policy explains how we collect, use, and protect your information when you use our mobile application. By using CashFlow AI, you agree to the practices described in this policy.

1. Information We Collect

CashFlow AI is designed with a privacy-first approach. The information we handle includes:

• Financial Data: Transaction amounts, categories, notes, and budget information you enter into the app. This data is stored locally on your device.
• Account Information: If you create an account, we collect your email address and display name for authentication purposes.
• Usage Analytics: We collect anonymized usage data such as feature usage patterns and app performance metrics to improve the app experience. This data cannot be used to identify you personally.
• Device Information: Basic device information including operating system version and device type, used solely for compatibility and debugging purposes.

2. How We Use Your Information

We use the information we collect to:

• Provide and maintain the core functionality of the app, including AI-powered transaction entry, budget tracking, and financial analytics.
• Improve and optimize the app experience based on aggregated, anonymized usage patterns.
• Send important notifications about your budgets, spending patterns, and app updates (only if you opt in).
• Provide customer support and respond to your inquiries.
• Ensure the security and integrity of the application.

3. Data Storage

Your financial data is stored locally on your device. CashFlow AI is built with a local-first architecture, meaning your transactions, budgets, categories, and financial records remain on your phone. We do not upload your financial data to external servers.

This approach ensures that you retain full control over your sensitive financial information at all times. If you uninstall the app or clear its data, your locally stored financial records will be permanently deleted.

We recommend regularly exporting your data using the app's built-in export feature to maintain a backup of your financial records.

4. Third-Party Services

CashFlow AI integrates with the following third-party services, each governed by their own privacy policies:

• Google Analytics: Used to collect anonymized usage statistics to help us understand how users interact with the app and improve the experience.
• Microsoft Clarity: Used to understand user behavior through session replays and heatmaps. All data is anonymized and aggregated.
• Google Play Services: Required for app distribution and in-app functionality on Android devices.

We encourage you to review the privacy policies of these third-party services to understand how they handle data.

5. Your Rights

You have the right to:

• Access your data: All your financial data is stored locally and accessible directly through the app at any time.
• Export your data: Use the built-in export feature to download your financial records in standard formats.
• Delete your data: You can delete individual records within the app, or remove all data by clearing the app's storage or uninstalling it.
• Opt out of analytics: You can disable analytics data collection through the app's settings.
• Request account deletion: If you have an account, you can request complete account deletion by contacting us.

6. Data Security

We implement appropriate technical and organizational measures to protect the limited data we process. Since your financial data is stored locally on your device, its security is primarily governed by your device's own security features, including device encryption, biometric locks, and screen locks. We strongly recommend keeping your device's security features enabled.

7. Children's Privacy

CashFlow AI is not intended for use by children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can take appropriate action.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy within the app and updating the "Last updated" date at the top of this page. Your continued use of CashFlow AI after any changes constitutes your acceptance of the updated policy.

9. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please reach us through our contact form.