Privacy Policy for Finance Manager

Effective Date: January 1, 2025 Last Updated: January 1, 2025

Introduction

Welcome to Finance Manager (“we,” “our,” or “us”). We are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.

By using Finance Manager, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our application.

1. Information We Collect

1.1 Personal Information

We may collect the following types of personal information:

Account Information: Email address, name, and profile picture (when you sign in with Google)
Authentication Data: Login credentials and authentication tokens
Device Information: Device model, operating system version, unique device identifiers
Usage Data: App interactions, features used, crash reports, and performance data

1.2 Financial Information

To provide our core services, we collect and store:

Transaction Data: Income and expense records, amounts, dates, categories, and descriptions
Account Information: Bank account names, balances, and transaction history
Investment Data: Investment accounts, holdings, values, and performance metrics
Lending Records: Loan amounts, payment schedules, interest rates, and payee information
Tax Information: Tax-related transactions, categories, and calculations
Budget Data: Budget categories, limits, and spending patterns

1.3 Automatically Collected Information

When you use our app, we automatically collect:

Log Data: App version, access times, pages viewed, and app crashes
Analytics Data: Feature usage statistics, user engagement metrics
Device Data: IP address, browser type, device settings

1.4 Information from Third-Party Services

We integrate with the following third-party services that may collect information:

Google Services: For authentication (Google Sign-In) and cloud storage (Firebase)
Firebase: For authentication, database, and analytics
AdMob: For displaying advertisements (in free tier)

2. How We Use Your Information

We use the collected information for the following purposes:

2.1 Core Functionality

Provide and maintain our expense tracking and financial management services
Process and store your financial transactions
Calculate budgets, statistics, and financial insights
Sync data across your devices
Enable backup and restore functionality

2.2 Authentication & Security

Verify your identity and manage your account
Protect against unauthorized access
Detect and prevent fraud or abuse

2.3 App Improvement

Analyze app usage to improve features and user experience
Fix bugs and technical issues
Develop new features based on user behavior

2.4 Communication

Send important updates about the app
Respond to your support requests
Notify you about premium features and subscription status

2.5 Advertising (Free Tier Only)

Display personalized advertisements through AdMob
Measure ad performance and effectiveness

3. Data Storage and Security

3.1 Local Storage

Financial data is primarily stored locally on your device
Data is stored in encrypted SQLite databases
Sensitive information is protected with industry-standard encryption

3.2 Cloud Storage (Optional)

When you enable cloud sync:

Data is encrypted in transit using SSL/TLS
Data is stored in Google Firebase Cloud Firestore
Firebase follows industry-standard security practices
Data centers comply with SOC 2 and ISO 27001 standards

3.3 Security Measures

We implement appropriate technical and organizational measures to protect your data:

Encryption of data in transit and at rest
Secure authentication using Google OAuth 2.0
Regular security updates and patches
Access controls and monitoring
Secure coding practices

3.4 Data Retention

Active accounts: Data retained as long as your account is active
Inactive accounts: Data may be deleted after 2 years of inactivity
Deleted accounts: Data permanently deleted within 90 days
Backups: May be retained for up to 30 days for disaster recovery

4.1 We Do NOT Sell Your Data

We do not sell, trade, or rent your personal or financial information to third parties.

4.2 Third-Party Service Providers

We may share limited data with trusted service providers:

Google Firebase: For authentication, database, and analytics
Google AdMob: For displaying ads (free tier only)

These providers are contractually obligated to protect your data and use it only for specified purposes.

4.3 Legal Requirements

We may disclose your information if required by law:

To comply with legal obligations (court orders, subpoenas)
To protect our rights, property, or safety
To prevent fraud or security threats
In connection with legal proceedings

4.4 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred. We will notify you via email and/or prominent notice in the app.

5. Your Rights and Choices

5.1 Access and Control

You have the right to:

Access: View all your financial data within the app
Export: Download your data in CSV or PDF format
Modify: Edit or delete any transaction or record
Delete: Remove your account and all associated data

5.2 Data Portability

You can export your data at any time:

Go to Settings → Backup & Restore → Export Data
Choose format (CSV, JSON, or PDF)
Save to your device or cloud storage

5.3 Account Deletion

To delete your account:

Go to Settings → Account → Delete Account
Confirm deletion
All data will be permanently deleted within 90 days

5.4 Opt-Out Options

Analytics: Disable in Settings → Privacy → Analytics
Personalized Ads: Disable in Settings → Privacy → Ad Personalization
Cloud Sync: Disable in Settings → Backup & Restore → Cloud Sync

5.5 Communication Preferences

You can opt out of:

Marketing emails (use unsubscribe link)
Push notifications (device settings)
In-app promotional messages (app settings)

6. Third-Party Services

Our app integrates with the following third-party services. Each has its own privacy policy:

6.1 Google Services

Google Sign-In: Privacy Policy
Firebase Authentication: Privacy Policy
Firebase Cloud Firestore: Privacy Policy
Firebase Analytics: Privacy Policy

6.2 Advertising

Google AdMob: Privacy Policy
- Displays personalized ads based on your interests
- You can opt out via Settings → Privacy → Ad Personalization
- Premium subscribers see no ads

6.3 Data Collected by Third Parties

These services may collect:

Device identifiers (IDFA, Android Advertising ID)
IP address and location data
App usage patterns
Ad interaction data

7. Children’s Privacy

Finance Manager is not intended for children under 13 years of age. 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 immediately. We will delete such information from our systems.

8. International Data Transfers

Your information may be transferred to and stored on servers located outside your country of residence. By using our app, you consent to such transfers.

We ensure appropriate safeguards are in place:

EU-US Privacy Shield compliance (where applicable)
Standard Contractual Clauses
Adequate security measures

9. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights:

9.1 Right to Know

You can request:

Categories of personal information collected
Sources of information
Business purposes for collection
Categories of third parties we share with

9.2 Right to Delete

Request deletion of your personal information (subject to exceptions).

9.3 Right to Opt-Out

Opt out of the “sale” of personal information (we don’t sell data).

9.4 Non-Discrimination

We will not discriminate against you for exercising your privacy rights.

To exercise these rights, contact us at aether.solutionsph@gmail.com or use the in-app “Data Request” feature.

If you are in the European Economic Area (EEA), you have rights under GDPR:

10.1 Legal Basis for Processing

Consent: You explicitly agree to data processing
Contract: Necessary to provide our services
Legitimate Interests: Improve app functionality and security

Right to Access: Obtain a copy of your data
Right to Rectification: Correct inaccurate data
Right to Erasure: Request deletion (“right to be forgotten”)
Right to Restrict Processing: Limit how we use your data
Right to Data Portability: Transfer data to another service
Right to Object: Object to certain processing activities
Right to Withdraw Consent: Withdraw consent at any time

10.3 Data Protection Officer

For GDPR-related inquiries, contact: aether.solutionsph@gmail.com

10.4 Supervisory Authority

You have the right to lodge a complaint with your local data protection authority.

11. Cookies and Tracking

11.1 Cookies

Our app does not use traditional web cookies. However, we use similar technologies:

Local Storage: Store app preferences and settings
Session Tokens: Maintain login sessions
Analytics Identifiers: Track app usage (can be disabled)

11.2 Do Not Track

We respect Do Not Track (DNT) signals. When DNT is enabled, we disable analytics tracking.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of changes by:

Posting the new policy in the app
Sending a push notification (for material changes)
Displaying a notice on first app launch after update
Updating the “Last Updated” date

Your continued use of the app after changes constitutes acceptance of the updated policy.

13. Data Breach Notification

In the event of a data breach affecting your personal information:

We will investigate within 72 hours
You will be notified via email within 7 days
We will provide details about:
- What information was compromised
- Steps we’re taking to address the breach
- Actions you should take to protect yourself

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy:

Email: aether.solutionsph@gmail.com App Support: Settings → Help & Support → Contact Us

Response Time: We aim to respond to all inquiries within 2-3 business days.

By using Finance Manager, you acknowledge that you have read, understood, and agree to this Privacy Policy. If you do not agree, please discontinue use of the app immediately.

16. Additional Information

16.1 Premium Subscription

Premium subscribers receive:

Ad-free experience (no AdMob tracking)
Enhanced privacy features
Priority support

16.2 Open Source Components

This app uses open-source libraries. See “About” → “Open Source Licenses” in the app.

16.3 Permissions Used

Our app requests the following permissions:

Internet: Sync data, display ads, authenticate users
Storage: Save backups, export data
Notifications: Remind about bills, subscriptions, budgets

We do NOT request:

Camera or microphone access
Contact list access
SMS or phone access
Precise location tracking

Thank you for trusting Finance Manager with your financial data. Your privacy is our priority.

Last reviewed: January 1, 2025