Privacy Policy for {{ APP_NAME }}

1. Information We Collect

{{ APP_NAME }} is designed with your privacy in mind, giving you control over your data. We collect the following information:

• Device Information: We collect your device's push notification token and platform (iOS/Android) strictly for the purpose of sending you relevant notifications (if enabled).
• Financial Data (Optional): By default, all of your personal financial data, transactions, and budgets remain securely on your local device. We only store your transaction data on our servers if you explicitly enable the Cloud Backup feature.

2. Device Permissions (Microphone)

{{ APP_NAME }} may request access to your device's microphone to enable voice-based features, such as adding transactions via speech recognition.

Voice Data Handling & Live AI Services: By default, any audio processing is handled directly on your device or through your device's native OS speech recognition services. We only transmit your voice data to our servers if you explicitly opt-in to use our Live AI Services. When using Live AI Services, your audio and the resulting text data may be securely stored and used to train and improve our AI models to provide better accuracy and new features over time.

3. How We Use Your Information

We use the information we collect strictly to provide and improve the {{ APP_NAME }} experience:

• Push Tokens: To send you notifications, alerts, and updates to your device.
• Transaction Data: If Cloud Backup is enabled, to securely store and restore your financial data across your devices.
• Voice Data & AI Training: If Live AI Services are used, to process your speech for transaction categorization, and to train and improve our machine learning models for future accuracy.

4. Data Security

We implement appropriate technical and organizational measures to protect the security of your push token. However, please note that no method of transmission over the Internet or method of electronic storage is 100% secure.

5. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at {{ CONTACT_EMAIL }}.