Privacy Policy

1. Introduction

Welcome to FinHabit ("we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application FinHabit (the "App"). Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the application.

2. Information We Collect

2.1 Personal Data

We do not require you to create an account or provide personal identification information to use FinHabit. The app does not collect names, email addresses, phone numbers, or any other personally identifiable information.

2.2 Location Data

FinHabit may request access to your device's location services for the following purposes:

• Location-Based Habit Reminders: To send you reminders about your habits when you arrive at or leave specific locations (e.g., "Save money" reminder when you enter a shopping mall)
• Optional Feature: Location access is completely optional. You can use all core features of the app without enabling location services
• Types of Location Data: We may collect both approximate location (network-based) and precise location (GPS-based) if you grant permission

Important: Location data is used only on your device for reminder functionality and is not transmitted to our servers or any third parties.

2.3 Usage and App Information

We may collect certain information automatically when you use the App:

• App Interactions: Information about how you interact with the app (features used, habits created, etc.)
• Device Information: Device type, operating system version, unique device identifiers
• Crash Logs: Technical data about app crashes and errors to help us improve stability
• Performance Data: App performance metrics to optimize user experience

2.4 Financial Habit Data

All your financial habits, goals, and progress data are:

• Stored locally on your device only
• Not transmitted to any servers
• Not shared with any third parties
• Completely under your control

3. How We Use Your Information

We use the information we collect to:

• Provide Core Functionality: Enable habit tracking, reminders, and statistics
• Location-Based Features: Deliver location-based habit reminders (if enabled by you)
• Improve the App: Analyze usage patterns to enhance features and user experience
• Fix Bugs: Identify and resolve technical issues
• App Performance: Optimize app performance and stability

4. Analytics and Third-Party Services

4.1 AppsFlyer Analytics

FinHabit uses AppsFlyer for analytics purposes to help us understand how users interact with the app and improve our services. AppsFlyer may collect:

• Device identifiers (advertising ID)
• App usage statistics
• Installation and attribution data

AppsFlyer's privacy policy can be found at: https://www.appsflyer.com/legal/privacy-policy/

4.2 Opting Out of Analytics

You can opt out of analytics tracking by:

• Adjusting your device's advertising settings (iOS: Limit Ad Tracking, Android: Opt out of Ads Personalization)
• Disabling permissions for the app in your device settings

5. Data Sharing and Disclosure

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

5.1 With Your Consent

We may share your information if you explicitly give us permission to do so.

5.2 Analytics Partners

We share anonymous usage data with AppsFlyer solely for analytics purposes as described in Section 4.

5.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).

5.4 Business Transfers

If we are involved in a merger, acquisition, or asset sale, your information may be transferred. We will provide notice before your information is transferred and becomes subject to a different privacy policy.

6. Data Security

We prioritize the security of your data:

• Local Storage: All your habit data is stored locally on your device using secure storage mechanisms
• Encryption: Data at rest is encrypted on your device
• No Cloud Storage: We do not store your personal habit data on any cloud servers
• Secure Transmission: Any data transmitted (analytics only) uses secure HTTPS connections

Note: While we implement security measures, no method of transmission or electronic storage is 100% secure. We cannot guarantee absolute security.

7. Data Retention

• Habit Data: Stored on your device until you delete the app or manually clear the data
• Analytics Data: Retained by AppsFlyer according to their retention policy (typically 24 months)
• Crash Logs: Retained for up to 90 days for troubleshooting purposes

8. Your Privacy Rights

You have the following rights regarding your data:

8.1 Access and Control

• View Your Data: All your habit data is accessible within the app
• Delete Your Data: You can delete individual habits or all data from within the app settings
• Export Your Data: Request a copy of your data by contacting us

8.2 Location Permissions

• You can enable or disable location access at any time through your device settings
• Disabling location will not affect core habit tracking functionality

8.3 Complete Data Deletion

To completely remove all your data:

1. Open FinHabit app
2. Go to Settings
3. Tap "Delete All Data" or uninstall the app

9. Children's Privacy

FinHabit is not intended for children under the age of 13 (or the minimum age in your jurisdiction). We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us, and we will delete such information.

10. International Data Transfers

FinHabit is available worldwide. By using the app, you consent to the transfer of information to countries outside of your country of residence, which may have different data protection rules. We ensure that adequate safeguards are in place for 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
• Updating the "Last Updated" date at the top
• Sending an in-app notification for significant changes

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

12. Third-Party Links

The App may contain links to third-party websites or services that are not owned or controlled by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We strongly advise you to review the Privacy Policy of every site you visit.

13. California Privacy Rights (CCPA)

If you are a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act (CCPA):

• Right to Know: You have the right to request information about the personal data we collect and how we use it
• Right to Delete: You have the right to request deletion of your personal information
• Right to Opt-Out: You have the right to opt out of the sale of your personal information (Note: We do not sell personal information)
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

14. European Privacy Rights (GDPR)

If you are in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

• Right to Access: Request access to your personal data
• Right to Rectification: Request correction of inaccurate data
• Right to Erasure: Request deletion of your data
• Right to Restrict Processing: Request limitation of how we process your data
• Right to Data Portability: Request a copy of your data in a structured format
• Right to Object: Object to processing of your data
• Right to Withdraw Consent: Withdraw consent at any time

15. Your Consent

By using FinHabit, you consent to this Privacy Policy and agree to its terms. If you do not agree with this policy, please do not use the App.