This Privacy Policy explains how Financial Education collects, uses, stores and shares information when you use the application.
By using the application, you acknowledge the practices described in this Privacy Policy.
1. Information We Process
Depending on the features you use, Financial Education may process the following information:
- Account information, such as your name, email address and user ID when you sign in with Google or email.
- Anonymous session identifiers when you use the application without creating or linking an account.
- Financial information that you enter into the application, such as income, expenses, debts, payments, reminders and personal notes.
- Suggestions, feedback and support requests that you voluntarily submit.
- Language, app version, device information, operating system version and technical identifiers.
- App interaction information, such as screens visited, features used, onboarding selections and interactions with premium features.
- Selected onboarding information, such as age range, financial profile, primary financial concern and financial goal.
- Crash reports, diagnostic information and performance data.
- Advertising identifiers and device identifiers used to display, measure and improve advertisements.
- Subscription status, purchase information, product information and premium access information.
- Push notification information, such as notification preferences and device push tokens, when you grant notification permission.
Financial records such as income, expenses, debts, payments and personal notes may be stored locally on your device. Some features may synchronize account-related information through cloud services when you sign in or explicitly use those features.
We do not collect or store your full payment card number, bank account credentials or banking passwords.
2. Services We Use
Firebase
The application uses Firebase services, including Firebase Authentication, Firestore, Cloud Storage, Analytics, Crashlytics and Remote Config.
Firebase Authentication is used to provide anonymous sessions and account access through Google or email.
Firestore may store suggestions, support-related information and account-related data required to provide certain application features.
Firebase Cloud Storage is used to provide audio files. Audio files may be downloaded and cached locally on your device for playback.
Firebase Analytics and Crashlytics may process app interactions, performance information, crash reports and diagnostic data.
Remote Config may be used to remotely manage selected application content, feature availability and configuration.
Google Analytics and Firebase Analytics
Analytics services help us understand how users interact with the application, improve functionality and identify technical problems.
Google AdMob
The application may display advertisements provided by Google AdMob. AdMob may process advertising identifiers, device information, approximate location and interaction information in accordance with Google's policies.
Meta Platforms
The application may use Meta App Events to measure application activity, understand feature usage and improve advertising measurement. Meta may process technical information, device identifiers and app event data in accordance with Meta's policies.
OneSignal
OneSignal may be used to deliver push notifications and reminders when notification permission has been granted. OneSignal may process device identifiers, push tokens, notification preferences and account-related identifiers.
Google Play Billing
Premium subscriptions are processed through Google Play Billing. We may receive subscription status, product information and purchase-related confirmation, but we do not receive or store your full payment card information.
3. How We Use Information
Information may be used to:
- Provide and maintain the application.
- Save and synchronize account-related information.
- Display financial education content and personalized experiences.
- Deliver reminders and push notifications when enabled.
- Provide audio content and cache it for playback.
- Process and verify premium subscriptions.
- Analyze application usage and improve the user experience.
- Detect, prevent and resolve crashes, abuse and technical problems.
- Respond to suggestions, feedback and support requests.
- Display and measure advertising.
4. Sharing of Information
We may share information with service providers that help us operate the application, including Firebase, Google, AdMob, Meta Platforms, OneSignal and Google Play Billing.
These providers process information according to their own privacy policies and terms. We do not sell your personal financial records.
Information may also be disclosed when required by law, to protect the rights and security of users, or to prevent fraud, abuse or security incidents.
5. Data Retention
We retain information only for as long as reasonably necessary to provide the application, maintain account functionality, comply with legal obligations, resolve disputes and enforce agreements.
Locally stored financial information remains on your device until you delete it, clear the application data or uninstall the application.
6. Your Choices and Rights
- You may choose whether to create or link an account.
- You may disable push notifications through your device settings.
- You may manage advertising preferences through your device and Google account settings.
- You may delete locally stored financial information from the application or device.
- You may request access, correction or deletion of account-related information by contacting us.
7. Account and Data Deletion Requests
To request deletion of your account-related information, contact us at freddybt26215@gmail.com
Please include the email address associated with your account and describe your request. We may need to verify ownership of the account before processing the request.
8. Security
We use reasonable technical and organizational measures to protect information. However, no method of electronic storage or transmission is completely secure.
9. Children's Privacy
Financial Education is not directed to children under the age required by applicable law. We do not knowingly collect personal information from children without appropriate authorization.
10. Third-Party Services and Links
The application may contain links or integrations to third-party services. We are not responsible for the privacy practices, content or security of those third-party services. We encourage you to review their privacy policies before using them.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The updated version will be published on this page with a new effective date.
12. Contact
If you have questions, concerns or requests regarding this Privacy Policy, contact us at:
Email: freddybt26215@gmail.com
