Privacy, explained
plainly.

01

Overview

Money Flowl is a personal-finance app for tracking expenses, budgeting, and monitoring your net worth. It is built to be private by design.

Some features send limited data off your device to make them work. For example, this happens with AI receipt and voice capture. Those uses are explained below.

02

Information we collect

Information you enter

When you use the app, you can enter financial and related information, including income and expenses, categories, notes, payees, tags, accounts and balances, budgets, income and essential-expense plans, assets, liabilities, investments, value snapshots, optional attachments such as receipt images or documents, and asset photos.

This information is stored locally on your device using Apple's on-device storage (SwiftData). We do not have access to it and it is not transmitted to our servers. It may be included in your own device or iCloud backups if you have those enabled; that is controlled by your Apple settings, not by us.

AI receipt and voice capture

If you use AI capture to add a transaction, the content you provide for that action, such as a receipt photo or a voice recording, is sent to Google for processing through Firebase AI Logic (Google Gemini). This lets the app read the amount, merchant, category, and related details and return them to you.

• This happens only when you actively use the AI capture feature.
• The extracted result is saved on your device as a transaction, like any other.
• These inputs are processed only to provide this feature. They are not used to train Google's models, and we do not retain your receipts or voice recordings on our own servers.

This processing is provided by Google and is subject to Google's terms and privacy policies. Camera and Microphone access are used only for this feature.

Usage and diagnostic data

We use Google Firebase Analytics to understand how the app is used and to improve it. This may include app and device information such as app version, device model, operating system, language, region, a Firebase-generated app instance identifier, and in-app events.

The events we log describe actions and counts, not the content of your finances. Examples include the app launching, a transaction being added, edited, or deleted, an account or budget being created, an AI parse succeeding or failing, or a subscription starting or being cancelled. We may also set high-level properties such as subscription status and preferred currency.

We do not send transaction amounts, payees, notes, balances, or net worth to analytics. The app does not use the device advertising identifier (IDFA), does not present an App Tracking Transparency prompt, and does not track you across other companies' apps or websites.

Purchases and subscriptions

Money Flowl offers an optional Premium subscription. Purchases are processed by Apple through the App Store, and subscription state is managed with Adapty. We may receive product identifiers, purchase and renewal status, and app-generated or anonymous purchase identifiers. Apple processes your payment; we never receive your credit-card or payment-method details.

Security and configuration data

• App Check (Apple DeviceCheck): verifies that requests come from a genuine, untampered app instance and helps prevent abuse. It uses Apple's device attestation and does not identify you personally.
• Firebase Remote Config: delivers configuration and feature settings; requests include standard technical and app information.

Information we do not collect

• Bank, credit-card, or financial-institution login credentials.
• A name, email, or password to use the app.
• Precise GPS location.
• Personal information for sale or cross-context behavioral advertising.

03

How we use information

We use the information described above to:

• Provide the app's core recording, budgeting, and wealth-tracking features using data stored on your device.
• Provide AI capture by processing the receipt or voice recording you submit.
• Operate subscriptions and verify entitlements.
• Measure and improve performance, reliability, and features.
• Protect the app and our services from fraud, abuse, and security threats.
• Comply with legal obligations.

04

Legal bases

Where the EU/EEA or UK GDPR applies, we rely on:

• Performance of a contract to provide the app and features you request, including AI capture and subscriptions.
• Legitimate interests to keep the app secure, prevent abuse, and understand and improve usage in a way that does not override your rights.
• Consent where required, which you can withdraw at any time.
• Legal obligation where we must process data to comply with law.

05

How information is shared

We do not sell your personal information. We share limited data only with service providers that help us operate the app, and only as needed:

• Google / Firebase for analytics, AI processing, security, and configuration.
• Adapty for subscription management.
• Apple for App Store purchases and payment processing.

We may also disclose information if required by law, to enforce our terms, or to protect the rights, safety, and security of our users, the public, or Aversys Mobile.

06

International data transfers

The service providers above may process data in countries other than yours, including the United States. Where required, transfers rely on appropriate safeguards such as Standard Contractual Clauses or equivalent mechanisms. Features that transmit data, such as AI capture, may process it in those countries.

07

Data retention

• On-device data remains on your device until you delete it in the app or uninstall the app. Your Apple backup settings govern any backups you make.
• Analytics data is retained by Google Firebase according to our configured retention settings and Google's policies.
• Subscription data is retained by Apple and Adapty as needed to manage entitlements and meet their record-keeping requirements.
• AI capture inputs are processed only to return a result. They are not used to train Google's models and are not retained on our servers.

08

Device permissions

The app requests these permissions only when you use the related feature:

• Camera to photograph a receipt for AI capture.
• Microphone to record a voice note for AI capture.

You can grant or revoke these permissions at any time in iOS Settings › Money Flowl. Revoking them only disables the related feature.

09

Security

We use reasonable technical and organizational measures to protect information. These include keeping your financial records on your device, using App Check to protect our services, and relying on encrypted HTTPS connections for data in transit. No method of transmission or storage is 100% secure, but we work to protect your information.

10

Your rights and choices

Everyone

• Access and control your data directly: view, edit, and delete your financial records in the app, or remove all local data by uninstalling it.
• Permissions: manage Camera and Microphone access in iOS Settings.
• Subscriptions: manage or cancel in your Apple ID subscription settings.

EU/EEA/UK (GDPR)

You may have the right to access, rectify, erase, restrict, or object to processing, to data portability, and to withdraw consent where processing is based on consent. You may also lodge a complaint with your local data-protection authority. Because most data is stored only on your device, you can exercise access and erasure directly in the app. For analytics or other data we control, contact us.

California (CCPA/CPRA)

You may have the right to know what personal information is collected and how it is used, to request deletion or correction, and not to be discriminated against for exercising your rights. We do not sell or share your personal information for cross-context behavioral advertising.

Singapore (PDPA)

You may request access to and correction of personal data we hold about you, and withdraw consent you have given for its collection, use, or disclosure. We collect, use, and disclose personal data only for the purposes described in this policy or as permitted by law.

To protect your privacy, we may need to verify a request. Because we hold little identifying information, we may ask for details to locate any data we control. Send requests to support@aversys.com.

11

Children's privacy

Money Flowl is a general-audience app and is not directed to children under 13, or the equivalent minimum age in your country. We do not knowingly collect personal information from children. If you believe a child has provided information to us, contact us and we will take appropriate steps.

12

Changes to this policy

We may update this policy from time to time. We will post the updated version on this page and revise the effective date above. Material changes will be highlighted where appropriate. Your continued use of the app after an update means you accept the revised policy.

14

Governing law

This policy is governed by the laws of Singapore, without regard to conflict-of-laws principles.