Privacy Policy for Cashflow Pro

# Privacy Policy for CashFlow Pro **Last Updated:** September 11, 2026 **Effective Date:** September 11, 2026 Welcome to **CashFlow Pro** ("we," "our," or "us"), owned and developed by **Appfonic**. We are committed to protecting your privacy and ensuring you have complete control over your personal and financial data. This Privacy Policy explains how **CashFlow Pro** handles information when you download, install, and use our mobile application. --- ## 1. Summary: Our Core Privacy Philosophy * **100% Offline-First Architecture:** CashFlow Pro is designed as an offline personal finance manager. Your financial records, wallet balances, budgets, notes, and transaction history are stored **locally on your device** and are **never** transmitted, uploaded, or sold to our servers or any third parties. * **No Account Required:** You do not need to register, create an account, or log in with an email, phone number, or social media profile to use the app. * **Zero Real Banking Integration:** We do not connect to your bank accounts, credit cards, or external payment gateways. All balances and transactions are purely manual records managed solely by you. --- ## 2. Information We Collect and Process ### A. Information Stored Locally on Your Device When you use CashFlow Pro, you may create and manage: * Transaction entries (Income, Expenses, Transfers) * Custom categories and notes * Wallet names and starting balances * Monthly budget targets and thresholds * App preferences (Theme mode, currency selection, language) > **Important:** All this data is stored locally in an encrypted/private NoSQL database (Hive) within your device's isolated application sandbox. We do not have access to this data. ### B. Biometric Security Data If you enable Biometric App Lock (Fingerprint or Face Unlock): * The biometric authentication process is handled strictly by your device's native operating system (Android BiometricPrompt / Apple LocalAuthentication). * CashFlow Pro **never receives, processes, or stores** your actual fingerprint or facial biometric data. We only receive a cryptographic verification token (`success` / `failure`) from the operating system. ### C. Automatically Collected Information (Third-Party Services) To support the ongoing maintenance and free availability of CashFlow Pro, we integrate trusted third-party services: #### Google Mobile Ads (Google AdMob) CashFlow Pro displays advertisements provided by **Google AdMob**. The Google Mobile Ads SDK may automatically collect certain non-personally identifiable device data, such as: * **Advertising ID (Google AAID / Apple IDFA):** Used to deliver relevant advertisements and prevent ad fraud. * **Device Information:** Device model, operating system version, screen resolution, and language settings. * **Interaction Data:** Ad impressions, clicks, and performance metrics. * **IP Address:** May be used by Google for approximate location (city/country level) to serve geo-appropriate ads. For more information on how Google collects, uses, and protects your information, please review the [Google Privacy & Terms Policy](https://policies.google.com/technologies/ads). --- ## 3. How We Use Information Because we do not collect personal financial data, the limited technical and advertising data is used exclusively to: * Display in-app advertisements (Banner, Interstitial, and Rewarded ads). * Measure ad performance and prevent fraudulent activity. * Maintain the stability and performance of the application across different devices. --- ## 4. Data Sharing and Disclosure * **We do not sell, rent, or trade your personal data.** * **We do not share your financial records with anyone.** * Technical device diagnostics and advertising identifiers are shared solely with **Google AdMob** in accordance with standard mobile advertising practices. * We may disclose information only if required to do so by applicable law, court order, or governmental authority. --- ## 5. Data Retention, Backup, and Deletion * **Your Data is in Your Hands:** Since all financial data is stored locally on your device, it remains on your device for as long as you keep the app installed. * **Data Deletion:** You can completely wipe all your records at any time directly within the app by going to **Settings → Reset Data**, or by clearing the app storage in your Android/iOS system settings, or by uninstalling the application. * **Exports & Backups:** If you choose to export your records (e.g., CSV export), the exported file is saved locally to your device storage under your direct custody. --- ## 6. Children's Privacy (COPPA & GDPR Compliance) CashFlow Pro is not directed to children under the age of 13 (or under 16 in certain jurisdictions). We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us at **support@appfonic.com**, and we will promptly take appropriate action. --- ## 7. Security of Your Information We take the security of your data seriously: * Local data is stored within the private internal application storage sandbox of Android and iOS, protected from access by other apps. * In-app biometric locking provides an additional layer of security against unauthorized physical access to your device. --- ## 8. Your Privacy Rights (GDPR & CCPA/CPRA) Depending on your jurisdiction (such as the European Economic Area or California), you may have specific rights regarding your personal data: * **Right of Access & Portability:** You can access and export your data at any time via the in-app export tools. * **Right to Erasure:** You can delete all your stored data instantly through the in-app Reset function or by uninstalling the app. * **Ad Personalization Opt-Out:** You can reset or opt out of personalized ads at any time via your device settings: * **Android:** *Settings → Google → Ads → Reset advertising ID / Delete advertising ID*. * **iOS:** *Settings → Privacy & Security → Tracking → Allow Apps to Request to Track*. --- ## 9. Changes to This Privacy Policy We may update our Privacy Policy from time to time to reflect changes in our practices or regulatory requirements. Any updates will be posted on this page with an updated "Last Updated" date. We encourage you to review this Privacy Policy periodically. --- ## 10. Contact Us If you have any questions, concerns, or inquiries regarding this Privacy Policy or our practices, please contact us: * **Developer / Publisher:** Appfonic * **Email Support:** [support@appfonic.com](mailto:support@appfonic.com) * **Website:** [https://appfonic.com](https://appfonic.com) * **Privacy Portal:** [https://appfonic.com/privacy](https://appfonic.com/privacy) --- *This Privacy Policy was created specifically for CashFlow Pro by Appfonic and complies with Google Play Developer Policy and Apple App Store Review Guidelines.*