Privacy Policy

1Information We Collect

1.1 Account Information

When you register, we collect:

• Name (if provided)
• Email address
• Encrypted password
• Authentication tokens (JWT)

1.2 Financial Information

We collect and store the financial data you manually enter, including:

• Income and expense transactions
• Transaction categories and notes
• Loan details (borrowed and lent amounts)
• Loan contact names
• Bill details (due dates, payment history, recurrence)
• Budget settings and limits
• Savings goals and contributions
• Calendar activity data

1.3 AI-Generated Insights

When you request AI-powered financial advice:

• Your financial data may be processed to generate personalized recommendations
• The data is used only to generate insights and improve financial analysis features

1.4 Device and Usage Information

We may collect limited technical data such as:

• Device type
• Operating system version
• App version
• Basic usage activity

2How We Use Your Information

We use collected data to:

• Provide core app functionality
• Authenticate and secure user accounts
• Store and retrieve financial records
• Generate analytics and visual reports
• Provide AI-powered insights
• Improve performance and user experience
• Respond to support requests

3Data Storage and Security

Your data is stored on secure remote servers using a MySQL database.

Our backend services are hosted using a third-party cloud hosting provider, including Railway.

We implement security measures such as:

• Encrypted password storage
• JWT-based authentication
• Secure server configuration
• Access control protections

4Data Sharing

We do not sell, trade, rent, or monetize your personal or financial data.

We do not display advertisements.

We do not share your data with third parties except:

• When required by law
• When necessary to provide secure hosting services

5Data Retention

We retain your data as long as your account remains active.

If you request account deletion:

• Your account and associated financial data will be permanently deleted within a reasonable time frame

6Account Deletion

You may request account deletion by contacting us via email.

Upon verified request:

• Your account will be deleted
• All associated transactions, loans, budgets, bills, and goals will be permanently removed from our database

7Your Rights

You have the right to:

• Access your stored data
• Request corrections to inaccurate data
• Request account deletion
• Export your financial records

8Children's Privacy

Finance Tracker is not intended for children under the age of 13.

We do not knowingly collect personal information from children under 13.

9Changes to This Policy

We may update this Privacy Policy from time to time.

Updates will be posted on this page with a revised "Last Updated" date.

10Contact Us

If you have questions or wish to request account deletion, contact us at: