Privacy Policy

1. Scope

This Privacy Policy explains how FiscusFlow collects, uses, stores, shares, and protects information when you use the FiscusFlow mobile application, website, support channels, and related services. It should be read together with our Terms & Conditions and End User License Agreement.

2. Information We Collect

• Account information such as name, email address, profile details, subscription status, and support contact details.
• Finance records you create or import in the app, including transactions, categories, budgets, goals, loans, recurring payments, credit card summaries, alerts, merchants, and dashboard values.
• Supported Android SMS-derived finance data when you grant SMS permission. This may include bank/card transaction messages, due reminders, mandates, and similar financial alerts needed to create app records.
• Device and app information such as device model, operating system, app version, crash logs, diagnostics, notification state, and usage events needed for reliability, security, and product improvement.
• Payment and subscription metadata received from payment processors or app stores. We do not store your full card number, UPI PIN, banking password, OTP, or payment authentication secret.
• Optional feedback or review-learning data, such as sanitized failed SMS templates or parser correction signals, when enabled or when needed to improve detection quality.

3. SMS Permission and Financial Message Processing

FiscusFlow uses SMS access only for app functionality that helps identify supported financial SMS patterns and turn them into useful transaction, alert, credit card, due, and reminder records. Personal non-financial SMS is not part of the app purpose. Parsing may happen locally on your device, and eligible records may sync depending on your plan and settings.

SMS parsing can be imperfect. Low-confidence or duplicate records may be marked for review instead of being hidden. You remain responsible for verifying important financial information with your bank, card issuer, lender, broker, or other official source.

4. How We Use Information

• To provide finance tracking, budgets, alerts, card tracking, reports, AI summaries, widgets, and other app features.
• To process subscriptions, entitlement checks, support requests, and account recovery workflows.
• To improve SMS parsing, duplicate detection, categorization, reliability, performance, and product usability.
• To generate dashboards, insights, reminders, monthly reports, and optional AI-assisted summaries.
• To detect misuse, debug crashes, protect accounts, and comply with legal or platform requirements.

5. AI, Summaries, and External Processing

Some premium features may use AI or cloud services to summarize finance data or answer user questions. We try to send only the information needed for the requested feature. Do not enter banking passwords, OTPs, card PINs, trading passwords, or other secrets into AI or support fields. AI outputs are informational and may be incomplete or wrong.

6. Home-Screen Widget and Notifications

If you use the Android widget or notifications, selected finance summary values may be displayed on your device screen. FiscusFlow may provide masking or temporary reveal controls, but you are responsible for your device lock settings, notification visibility settings, and physical access to your phone.

7. Sharing and Third-Party Services

We do not sell your personal financial records. We may share limited information with service providers that help us operate the app, including hosting, authentication, analytics, crash reporting, notifications, payments, ads, AI, market-rate data, and customer support. These providers process data according to their own policies and our service needs.

• Google Play Services, Firebase, Crashlytics, Analytics, and messaging services.
• Google AdMob for ads where applicable.
• Payment providers or app stores used for subscription billing and entitlement validation.
• AI, email, market data, and infrastructure providers used to deliver optional app features.

8. Data Retention

We retain account and app data while your account is active and as needed for service delivery, security, tax/accounting, dispute handling, backups, legal compliance, and legitimate business purposes. Local data may remain on your device until you delete it, uninstall the app, clear app data, or use in-app deletion tools. Backup copies may take additional time to expire.

9. Your Choices

• You can review or revoke Android permissions such as SMS, notifications, and storage from device settings.
• You can delete supported records in the app where deletion controls are available.
• You can request account/data deletion by contacting support from your registered email address.
• You can manage subscriptions through the app, payment provider, or app store flow used for purchase.

10. Security

We use reasonable administrative, technical, and organizational safeguards designed to protect information. No app, network, device, or storage system can be guaranteed completely secure. Keep your device locked, do not share OTPs or passwords, and contact us if you suspect unauthorized access.

11. Children

FiscusFlow is intended for users who are at least 18 years old. We do not knowingly collect personal information from children.

12. Contact

For privacy questions, corrections, or deletion requests, contact info@finasstcorp.com.