MyFinMate Privacy Policy

Welcome to MyFinMate (“App”, “we”, “our”, “us”).

This Privacy Policy explains how we collect, use, store, and protect your information.

The App helps individuals, families, and young users (13+) manage daily expenses, pocket money, shared dashboards, and financial reports.

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🔹 1. Information We Collect

1.1 Personal Information

We collect:

Phone number (for account creation & login)

OTP verification data

Profile photo (optional)

Dashboard names

Device details (Android version, model, identifiers)

We do not collect email, address, Aadhaar, PAN, or other sensitive personal IDs.

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1.2 User Financial Data

Stored on our secure Supabase database:

Dashboard data

Account cards

Expenses & income entries

SmartKhata lending/borrowing

Shared dashboard activity

Transaction categories & descriptions

Approval history

SmartKhata chat messages

This data is used ONLY to provide App features.

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1.3 Notification Access (Optional)

If user enables:

We only read notifications from:

Bank apps

SMS messages

Gmail

Any app selected by the user

We extract:

Amount

Sender

Debit/Credit info

Transaction description

We do not read:

OTPs

Personal chats

Social media messages

Non-transactional notifications

If notification contains no financial data, we ignore it.

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1.4 Floating Widget Data

Floating widget collects only:

Voice/text input given by the user

Used exclusively to add a transaction.

We do NOT:

Read other apps

Capture screen

Monitor background data

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1.5 AI Assistant

Our AI reads:

User queries

Transaction categories

Request for reports (“How much did I spend on food this month?”)

Mathematics / finance questions

We use 3rd-party AI models to process these queries.

Data is NOT used for training or sold.

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1.6 Analytics & Crash Logs

We use:

Firebase Analytics

Firebase Crashlytics

Supabase logs

This collects:

Crash info

App performance metrics

Device info

No financial data is shared.

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🔹 2. How We Use the Data

We use collected data to:

Create & manage user accounts

Maintain user dashboards

Provide shared dashboards between families

Generate financial reports

Enable SmartKhata lending/borrowing

Power AI-based insights

Improve app performance

Display ads to free users

Handle subscriptions (for Pro users)

Secure user data on Supabase servers

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🔹 3. Data Storage

All user financial & personal data is stored securely on:

Supabase Cloud Database

Uses AES encryption

GDPR compliant

Secure authentication

Row-level access control

We do not store data on local insecure storage.

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🔹 4. Ads & Monetization

Free users see:

Banner ads

Interstitial ads

Rewarded ads

Ads delivered by:

Google AdMob

AdMob may collect device identifiers for personalized ads (for users 13+ only).

Pro Subscribers = No ads.

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🔹 5. Subscriptions

Our app uses Google Play Billing for:

Monthly subscription

Yearly subscription

Google handles:

Payments

Auto-renewal

Refunds

Failed transactions

We store no card information.

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🔹 6. Data Sharing

We do NOT share user data with:

Advertisers

Third-party sellers

External companies

Financial institutions

We only share limited required data with:

Google AdMob (ads)

Google Billing (payments)

Supabase (database hosting)

AI provider (for processing assistant queries)

Firebase (analytics/crash logs)

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🔹 7. Data Protection

We ensure:

Encrypted data storage

Secure authentication

No unauthorized access

Regular backup & firewall protection

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🔹 8. User Rights

Users can:

View their data

Edit entries

Delete dashboards

Delete accounts

Request full data deletion

Account deletion requests:

📧 ikkahelp00@gmail.com

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🔹 9. Age Restrictions

MyFinMate is designed for users 13 years and older.

Children under 13 must not use the app

Because we use personalized ads (AdMob), under-13 users cannot be safely targeted

This follows Google Play Families Policy.

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🔹 10. Contact

For support or data-related questions:

📧 ikkahelp00@gmail.com