Privacy Policy for Flow Finance

Last Updated: August 24, 2026

Flow Finance ("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 (com.ranesh.moneymanager).

1. Information We Collect

1.1 Personal Information

When you use Flow Finance, we may collect:

Account Information: Email address and name when you sign in with Google
Financial Data: Transaction records, budgets, categories, and financial goals created within the app
Device Information: Device type, operating system version, and unique device identifiers

1.2 Automatically Collected Information

Usage Data: App features used, time spent in app, interaction patterns
Analytics Data: App performance, crash reports, and error logs
Advertising Data: Ad impressions, clicks, and interactions (via Google AdMob)

1.3 Zero SMS & Zero Sensitive Permission Policy

Flow Finance does NOT request, access, read, or collect SMS messages, SMS logs, or sensitive telephony permissions. All financial transactions and budgets are managed 100% manually or synced securely via user consent.

2. How We Use Your Information

We use the collected information for:

App Functionality: To provide core features like budget tracking, expense categorization, and financial reports
Data Synchronization: To sync user-created transaction records across your devices using Firebase Cloud Firestore
Authentication: To verify your identity and secure your account
Analytics: To understand app usage and improve overall user experience
Advertising: To display relevant ads through Google AdMob
App Improvement: To fix bugs, optimize performance, and develop new features

3. Data Storage and Security

3.1 Where Your Data is Stored

Local Storage: Financial transactions, budgets, and categories are stored locally on your device in a secure SQLite database
Cloud Storage: When signed in, user-created transaction records are backed up to Firebase Cloud Firestore (Google Cloud Platform)

3.2 Security Measures

Data encryption in transit using standard HTTPS/TLS protocols
Firebase Authentication for secure user account access
Local device security (device lock, biometric authentication if enabled)
Strict sandboxing of local application storage

4. Third-Party Services

Flow Finance integrates with the following third-party services:

4.1 Google Services

Google Sign-In: For secure authentication (Privacy Policy)
Firebase Authentication: For user management
Firebase Cloud Firestore: For optional data synchronization
Google AdMob: For displaying advertisements (Privacy Policy)

4.2 AdMob and Advertising

We use Google AdMob to display advertisements. AdMob may collect:

Device identifiers (Advertising ID)
IP address
Ad interaction data
Device and network information

AdMob does NOT have access to your private financial records. You can opt out of personalized advertising by adjusting your device settings (Google Ad Settings on Android).

5. Data Sharing and Disclosure

We do NOT sell your personal information or financial data. We may share data only under the following limited circumstances:

With Your Explicit Consent: When you explicitly authorize sharing
Service Providers: With Google/Firebase strictly to support app infrastructure and authentication
Legal Requirements: When required by law or to protect legal rights and safety
Business Transfers: In case of a merger, acquisition, or asset sale

6. Your Data Rights

You have the right to:

Access: View all financial data stored within the app
Export: Download your data in CSV or PDF format anytime
Delete: Request complete deletion of your account and all associated cloud data
Opt-Out: Opt out of personalized advertising

How to Exercise Your Rights

Export Data: Use the "Export as CSV" or "Export as PDF" feature in Settings → Reports
Delete Account: Go to Settings → Delete Account
Clear Local Data: Go to Settings → Clear Data

7. Data Retention

Active Accounts: Account data is retained as long as your account remains active
Deleted Accounts: Data is permanently deleted within 30 days of account deletion request
Local Data: Remains on device until cleared or app is uninstalled

8. Children's Privacy

Flow Finance is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us for immediate removal.

9. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our app features or regulatory requirements. Any updates will be posted in the app and on our official privacy policy page with an updated "Last Updated" date.

10. Contact Us

If you have questions about this Privacy Policy, please contact us:

Email: berryloopofficial@gmail.com
App Package: Flow Finance (com.ranesh.moneymanager)
Developer: Berry Loop / Ranesh

We respond to all privacy inquiries within 30 days.

Summary of Key Points

✅ Zero SMS Access: Flow Finance does NOT access, read, or request SMS permissions
✅ 100% Private: Your financial data is securely stored locally and backed up via encrypted Firebase Firestore
✅ No Data Sale: Your personal and financial data is NEVER sold or shared
✅ Data Control: You can export or delete your account data anytime