Privacy Policy

1. Introduction

Welcome to Finora ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application Finora - Smart Money Manager (the "App").

Please read this Privacy Policy carefully. By using the App, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We collect information you provide directly to us, including:

• Account Information: Name, email address, and profile picture when you create an account
• Financial Data: Transaction details, budget categories, and spending data you manually enter
• Device Information: Device type, operating system, and unique device identifiers
• Usage Data: App features used, interaction patterns, and preferences
• Camera Access: When you choose to capture receipt photos (with your permission)
• Biometric Data: For authentication purposes when using Face ID or fingerprint login (stored locally on your device)

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our App and services
• Create and manage your account
• Process and store your financial transactions
• Generate personalized financial insights and reports
• Send you notifications about budgets, bills, and app updates
• Respond to your comments, questions, and customer service requests
• Detect, prevent, and address technical issues and security threats
• Comply with legal obligations

4. Data Storage and Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• End-to-end encryption for data transmission
• Encrypted storage of sensitive financial data
• Secure authentication mechanisms
• Regular security audits and updates
• Access controls and employee training

Your data is stored on secure servers provided by Firebase (Google Cloud Platform). We use industry-standard encryption protocols to protect data in transit and at rest.

5. 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 that help us operate the App (e.g., Firebase for data storage, analytics services)
• Legal Requirements: When required by law, regulation, or legal process
• Safety: To protect the rights, property, or safety of Finora, our users, or others
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you give us explicit permission to share your information

6. Third-Party Services

Our App may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies before providing any information.

The following third-party services are used in our App:

• Firebase (Google): For authentication, database, and analytics
• Expo: For app development and notifications

7. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of your personal data
• Correction: Request correction of inaccurate data
• Deletion: Request deletion of your personal data
• Portability: Request transfer of your data to another service
• Opt-out: Unsubscribe from marketing communications
• Withdraw Consent: Withdraw previously given consent at any time

To exercise these rights, please contact us at privacy@finora.app.

8. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you with our services. You can delete your account at any time through the App settings. Upon account deletion, we will delete your personal data within 30 days, except where we are required to retain it for legal or regulatory purposes.

9. Children's Privacy

Our App is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us, and we will take steps to delete such information.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that are different from the laws of your country. By using our App, you consent to the transfer of your information to these countries.

11. Changes to This Privacy Policy

We may update our 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 for any changes.

12. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at:

• Email: privacy@finora.app
• Support: support@finora.app