Privacy Policy

1. Overview

This Privacy Policy applies to all mobile applications ("Apps") developed and published by Cashflowinfosoft on the Google Play Store.

By downloading and using any of our Apps, you agree to the collection and use of information as described in this policy. We are committed to protecting your privacy and handling your data with care and transparency.

2. Information We Collect

2.1 Information You Provide

Some of our Apps may allow you to enter data such as:

• Financial figures (income, expenses, budgets) — stored locally on your device only
• App settings and preferences
• Feedback or support emails you send to us

2.2 Automatically Collected Information

When you use our Apps, we or our third-party partners may automatically collect:

• Device information: Device model, operating system version, unique device identifiers
• Usage data: App features used, time spent, crash reports
• Advertising ID: Google Advertising ID (GAID) for serving relevant ads
• IP Address: Collected by ad networks and analytics tools

2.3 Information We Do NOT Collect

• Your name, email address, or phone number (unless you contact us)
• Location data (our Apps do not request location permissions)
• Contacts, camera, or microphone data
• Banking credentials or financial account information

3. How We Use Information

We use the collected information for the following purposes:

• To provide and maintain App functionality
• To analyze App performance and fix bugs
• To display relevant advertisements (via AdMob)
• To respond to user support requests
• To improve our Apps based on usage patterns
• To comply with legal obligations

All financial data you enter into our Apps (such as expense records or budgets) is stored locally on your device and is never transmitted to our servers.

4. Sharing of Information

We do not sell, trade, or rent your personal information. We may share limited data with:

4.1 Service Providers

• Google AdMob — for displaying advertisements
• Google Firebase / Analytics — for crash reporting and usage analytics
• Google Play Services — for app distribution and updates

4.2 Legal Requirements

We may disclose information if required by law, court order, or governmental authority, or to protect the rights and safety of our users or the public.

4.3 Business Transfers

In the event of a merger or acquisition, user data may be transferred as part of the business assets. We will notify users via an in-app notice or updated privacy policy.

5. Advertising & Third Parties

Our free Apps are supported by advertising through Google AdMob. AdMob may use your Advertising ID to serve personalized ads based on your interests.

AdMob's data practices are governed by Google's Privacy Policy:

• Google Privacy Policy
• How AdMob uses data

You can opt out of personalized advertising at any time:

• Go to your Android device Settings → Google → Ads
• Enable "Opt out of Ads Personalization"

Our authorized sellers are listed in our app-ads.txt file in compliance with the IAB Tech Lab standard.

6. Children's Privacy

Our Apps are not directed to 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 immediately at support@cashflowinfosoft.com and we will delete such information promptly.

7. Data Security

We take reasonable steps to protect the information collected through our Apps. However, no method of electronic transmission or storage is 100% secure.

Security measures we follow include:

• Local-only storage of sensitive financial data (not transmitted to any server)
• Using only trusted SDKs from reputable providers (Google)
• Regular app updates to address security vulnerabilities
• No collection of passwords or payment credentials

8. Your Rights

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

• Access: Request information about the data we hold about you
• Deletion: Request deletion of your data (note: most data is on-device only)
• Opt-out: Opt out of personalized advertising via Android settings
• Correction: Request correction of inaccurate data

To exercise any of these rights, contact us at support@cashflowinfosoft.com. We will respond within 30 days.

For Users in the European Union (GDPR)

If you are located in the EU, you have additional rights under the General Data Protection Regulation (GDPR), including the right to data portability and the right to lodge a complaint with a supervisory authority.

For California Residents (CCPA)

California residents have the right to know what personal information is collected and to request deletion of that information. We do not sell personal information as defined under the CCPA.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify users of significant changes by:

• Posting the new policy on this page with an updated date
• Displaying an in-app notification for major changes

We encourage you to review this page periodically. Continued use of our Apps after changes are posted constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: