Privacy Policy

At Simple Finance, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and web service.

1. Information We Collect

1.1 Personal Information

When you create an account, we collect:

• Email address
• Authentication credentials (stored securely via Firebase Authentication)
• Profile information (if provided through Google Sign-In)

1.2 Financial Data

To provide our service, we collect and store:

• Account information (account names, balances, types)
• Transaction history (amounts, categories, dates)
• Currency preferences
• Financial statistics and analytics

1.3 Technical Information

We automatically collect certain technical information:

• Device information (device type, operating system)
• Usage data (features used, interaction patterns)
• Error logs and performance data

1.4 Audio Data (Microphone Permission)

Our application includes a voice input feature that allows you to add transactions using voice commands. To enable this feature, we request microphone permission (RECORD_AUDIO).

How we use microphone data:

• Audio is processed locally on your device for voice-to-text conversion
• Audio data is not stored, transmitted, or shared with third parties
• Audio is only captured when you actively use the voice input feature
• You can deny microphone permission and still use all other features of the app

Third-party services: Voice recognition may use your device's built-in speech recognition service (e.g., Google Speech Recognition on Android). Please review your device manufacturer's privacy policy regarding speech recognition services.

2. How We Use Your Information

We use the collected information to:

• Provide, maintain, and improve our services
• Process transactions and manage your financial data
• Sync your data across devices
• Send you important updates and notifications
• Detect and prevent fraud or abuse
• Comply with legal obligations

3. Data Storage and Security

Your data is stored securely using Firebase (Google Cloud Platform), which provides:

• End-to-end encryption for data in transit
• Encryption at rest for stored data
• Regular security audits and updates
• Compliance with industry security standards

We implement additional security measures including:

• Secure authentication (Firebase Auth)
• User-specific data isolation
• Regular security monitoring

4. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• Service Providers: With trusted third-party services (Firebase, Google Cloud) that help us operate our service
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In connection with a merger, acquisition, or sale of assets

5. Your Rights and Choices

You have the right to:

• Access your personal data
• Correct inaccurate data
• Delete your account and data
• Export your data (Premium feature)
• Opt-out of certain data collection

To exercise these rights, contact us at the email address provided below or use the in-app settings.

6. Third-Party Services

Our service uses the following third-party services:

• Firebase (Google): Authentication, database, and hosting services
• Google Sign-In: For authentication purposes
• Google AdMob: For displaying advertisements to free users. AdMob may collect device information, advertising identifiers, and usage data to serve personalized ads. AdMob's privacy policy: https://policies.google.com/privacy
• Google Play Billing: For processing in-app purchases and subscriptions. Google Play processes payment information according to their privacy policy: https://policies.google.com/privacy
• Device Speech Recognition Services: For voice input feature. Voice recognition is processed by your device's built-in speech recognition service (e.g., Google Speech Recognition on Android). Audio data is processed locally and not transmitted to our servers.

These services have their own privacy policies. We encourage you to review them.

6.1. Advertising and Monetization

6.1.1. AdMob Advertising

Free users of our application may see advertisements served by Google AdMob. AdMob may:

• Collect device identifiers (such as Android Advertising ID)
• Collect device information (device type, operating system version)
• Collect usage data related to ad interactions
• Use this information to serve personalized advertisements

Premium subscribers do not see advertisements. You can opt out of personalized ads in your device settings.

6.1.2. In-App Purchases and Subscriptions

Our application offers premium subscriptions through Google Play Billing:

• Monthly Premium: $1.99/month - Provides access to premium features and removes advertisements
• Yearly Premium: $18.99/year - Provides access to premium features and removes advertisements

When you purchase a subscription:

• Payment is processed by Google Play according to their terms
• We receive confirmation of your subscription status from Google Play
• We store your premium status in our database to provide premium features
• Subscriptions automatically renew unless cancelled
• You can manage or cancel your subscription through Google Play Store settings

Test Subscriptions: During closed testing, test subscriptions may be provided free of charge to designated testers. These test subscriptions function identically to production subscriptions but do not require payment.

6.1.3. Data Collected for Monetization

To support our monetization model, we may collect:

• Subscription status and purchase history (from Google Play)
• Ad interaction data (from AdMob, for free users only)
• Feature usage data to improve premium offerings

This data is used solely to provide and improve our services and is not sold to third parties.

7. Premium Features and Subscription Data

When you subscribe to Premium, we store:

• Your premium subscription status
• Subscription start date
• Subscription expiration date (if applicable)
• Subscription type (monthly or yearly)

This information is synchronized with Google Play Billing to ensure accurate subscription status. You can restore your subscription on any device by signing in with the same Google account.

8. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. If you delete your account, we will delete or anonymize your data within 30 days, except where we are required to retain it for legal purposes.

9. Children's Privacy

Our service is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us immediately.

10. 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. By using our service, you consent to such transfers.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically.

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