Privacy Policy

We collect the following types of data:

• Account information: Email address, name, profile information, currency preference, and birth date (for age verification and personalized features).
• Transaction data: Income and expense transactions, amounts, categories, payment methods, dates, and optional notes you provide.
• Group data: Group names, members, budgets, and transactions shared within groups.
• App usage metrics: Feature usage, error logs, and performance data to improve reliability and user experience.
• Device information: Device type, operating system, and app version for compatibility and support.

We use your data for the following purposes:

• Core features: To deliver transaction tracking, financial reports, analytics, AI insights, group splitting, and settlement calculations.
• AI processing: To generate financial summaries, answer queries, and provide recommendations. AI processing is done securely and your data is not used to train general AI models.
• Service improvement: To detect unusual spending patterns, improve features, fix bugs, and enhance user experience.
• Marketing & analytics: To measure and improve marketing and advertising performance using aggregated, anonymized data.
• Security: To protect against fraud, unauthorized access, and ensure service security.

We use privacy‑minded analytics and limited advertising measurement to understand product usage and improve marketing effectiveness. We do not sell personal data. Analytics are aggregated and anonymized. You can contact us for additional privacy choices or to opt out of certain analytics.

We do not sell personal data. We may share data with trusted service providers (processors) who help us run FinEx under strict confidentiality and data‑processing agreements. These include:

• Cloud hosting and infrastructure providers
• Payment processors (for subscription billing)
• Analytics and error tracking services (using anonymized data)
• AI service providers (for generating insights, with data protection agreements)

We may also share data if required by law, to protect rights and safety, or in connection with a business transfer (with notice to users).

You have the following rights and controls:

• Account deletion: Delete your account at any time; deletion triggers hard‑delete of your personal data subject to legal obligations and backup retention policies (typically 30-90 days).
• Data export: Data export is planned and coming soon—Pro plans will include one‑click export functionality.
• Profile updates: Update your profile, currency, and settings at any time through the app.
• Transaction management: Add, edit, or delete transactions at any time.
• Group controls: Leave groups, remove members (if owner), and manage group settings.
• Privacy requests: Contact us to submit privacy requests, ask questions, or exercise your rights.

Depending on your jurisdiction (e.g., GDPR, CCPA), you may have rights to:

• Access your personal data
• Correct inaccurate data
• Delete your data
• Restrict processing of your data
• Data portability
• Object to processing
• Withdraw consent (where applicable)

Contact contact@thunderdevelops.in to submit requests. We will respond within 30 days or as required by applicable law.

Data retention

We retain personal data only as long as necessary to provide the service and meet legal obligations. When no longer needed, we delete or de‑identify your information. Transaction data is retained while your account is active. After account deletion, data is removed within 30-90 days, except where retention is required by law.

Data security

We implement industry-standard security measures including encryption in transit and at rest, secure authentication, regular security audits, and access controls. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

International transfers

If data is processed outside your country, we take steps to ensure appropriate safeguards consistent with applicable law, including standard contractual clauses and adequacy decisions. By using FinEx, you consent to such transfers.

Lawful basis

We process data to perform our contract with you (providing the service), with your consent (where required), and for legitimate interests like product improvement, security, and fraud prevention. You can withdraw consent at any time, though this may affect service functionality.

FinEx is not intended for children under 13 (or the minimum age in your jurisdiction). We do not knowingly collect data from children. If you believe we have collected data from a child, please contact us immediately.

Third-party services

FinEx may integrate with third-party services (e.g., Google Sign-In, payment processors). These services have their own privacy policies, and we encourage you to review them. We are not responsible for the privacy practices of third-party services.

Changes to this policy

This policy may change as our service evolves. We will post updates on this page and update the effective date. Material changes will be communicated via email or in-app notification. Your continued use of FinEx after changes constitutes acceptance of the updated policy.

Contact

Email contact@thunderdevelops.in for privacy questions, requests, or to exercise your rights. For urgent privacy concerns, please include "Privacy" in the subject line.

Effective date

Effective: 2025-12-08

Last updated: 2025-12-08