Privacy Policy

Effective Date: January 15, 2025

Last Updated: January 15, 2025

Information Collection and Use

The Application may collect certain information automatically when you download and use it, including:

• Your device's IP address
• The pages/screens visited within the app
• Time and date of your usage
• Time spent on each screen and overall app usage
• Operating system of your mobile device
• Expense and budget data you input for tracking purposes
• Notification preferences and settings
• App settings and customization choices

Note: We do not access your bank accounts, credit cards, or payment methods. We only track the financial information you manually enter.

In some cases, you may be asked to provide personally identifiable information, such as your email (e.g., mallik.puranjan@gmail.com) for app-related communication and updates. This information is retained and used only as described in this policy.

Financial Tracking Data

What We Collect

• Expense details and amounts you manually enter
• Budget limits and categories you create
• Savings goals and progress you track
• Income information you choose to provide
• Custom categories and notes you create
• Notification preferences and reminder settings
• App usage patterns and feature preferences
• Analytics data for app improvement
• Error logs and performance data

How We Use This Data

• To provide expense tracking and budget management functionality
• To send budget alerts and bill reminders based on your preferences
• To generate spending analytics and insights
• To improve app performance and user experience
• To provide personalized settings and recommendations
• To analyze app usage patterns for service improvement
• To provide customer support and troubleshooting
• To help you achieve your savings goals

Notification Services

Third-Party Access and Services

We may use third-party services to help improve our application. These services may have access to anonymized, aggregated data but cannot access your personal financial information for independent use.

The Application uses the following third-party services:

• Google Play Services
• RevenueCat (for subscription management)
• Analytics services for app improvement
• Crash reporting services for stability

Your data may also be shared:

• As required by law or legal processes
• To protect user safety, investigate fraud, or respond to government requests
• With trusted service providers under confidentiality agreements
• In anonymized, aggregated form for research and development

Data Storage and Security

Local Storage

• All expense and budget tracking data is stored locally on your device by default
• Transaction details and amounts are saved in secure device storage
• App preferences and settings are stored using secure device storage
• No payment information is stored as we don't access payment methods
• Your financial data never leaves your device unless you enable cloud sync

Security Measures

We take your privacy seriously and use appropriate technical and organizational safeguards to protect your data, including:

• Encryption of data transmission when communicating with our servers
• Secure local storage for all financial tracking data
• Regular security audits and updates
• Limited access to any transmitted data by authorized personnel only
• Secure data processing protocols for app functionality
• Optional passcode or biometric lock for app access

Opt-Out Rights

You may stop data collection at any time by:

• Uninstalling the application using the standard uninstall process available through your device or app store
• Turning off push notifications through device settings
• Clearing your saved expenses and data through the app settings
• Disabling cloud sync to keep all data local
• Contacting us to request data deletion from our servers

Data Retention

We retain user-provided data as long as you use the app, and for a reasonable period afterward. Specific retention periods:

• Expense data: Stored locally on your device until you delete it
• Budget settings: Stored locally until you modify or delete them
• Savings goals: Stored locally until you remove them
• Usage analytics: Anonymized data retained for up to 2 years for service improvement
• Account information: Retained for subscription management and support purposes
• Crash logs: Retained for up to 90 days for debugging purposes

To request deletion of any data stored on our servers, contact us at mallik.puranjan@gmail.com.

Children's Privacy

Financial Data and Payment Information

What We Don't Access

• We do not access your bank accounts or financial institutions
• We do not connect to your credit cards or debit cards
• We do not automatically detect or scrape transaction information
• We do not store any payment credentials or financial account details
• We do not have access to your actual account balances
• We do not process any financial transactions

What You Control

• You manually enter all expense and income information
• You control what data is tracked and stored
• You can edit or delete any financial information at any time
• You decide which categories to track and budget for
• You control whether to enable cloud backup
• You can export your data at any time

International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. We ensure appropriate safeguards are in place to protect your personal information in accordance with this Privacy Policy.

Your Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request information about personal data we process
• Correction: Request correction of inaccurate personal data
• Deletion: Request deletion of your personal data
• Portability: Request export of your financial tracking data
• Objection: Object to certain processing activities
• Restriction: Request restriction of data processing

To exercise these rights, contact us at mallik.puranjan@gmail.com.

Notification and Reminder Transparency

Analytics and Performance

Flow may use analytics technologies to enhance user experience:

• App performance monitoring to ensure optimal functionality
• Usage pattern analysis to improve features and user interface
• Crash reporting to identify and fix technical issues
• Feature usage analytics to prioritize development efforts
• Anonymized spending pattern analysis to improve insights

You can manage analytics preferences through your device settings.

Changes to This Policy

We may update this policy from time to time. Any changes will be posted on this page and, if significant, we will notify you through the app or via email. Continued use of the Application indicates your acceptance of the updated policy.

Data Breach Notification

In the unlikely event of a data breach that affects your personal information, we will notify you and relevant authorities as required by applicable law, typically within 72 hours of becoming aware of the breach.

Third-Party Links

Our app may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies before providing any personal information.

Subscription and Payment Data

Payment and subscription information for Flow Premium is handled entirely by your device's app store (Apple App Store or Google Play Store). Flow does not have access to your payment information or credit card details.

Cloud Sync (Optional Feature)

If you enable cloud sync:

• Your expense and budget data will be encrypted and stored on secure cloud servers
• This allows you to access your data across multiple devices
• You can disable cloud sync at any time
• Disabling cloud sync will keep all future data local to your device
• You can request deletion of cloud-stored data at any time

Your Consent

Flow - Smart Money Tracker for Gen Z
Your privacy matters to us. This policy ensures transparent data practices.
Track your spending while keeping your financial data secure.