Introduction
Fino ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how your personal information is collected, used, and disclosed by Fino.
Important: Fino is a personal finance tracking tool. We do NOT provide financial advice. All data is processed and stored locally on your device.
Information We Collect
Personal Information
- Transaction Data: When you add income or expenses, we store the amount, category, date, and description you provide.
- Budget Information: Budget limits and spending data you set.
- Bill & Subscription Details: Information about recurring payments you track.
Automatically Collected Information
- Crash Reports: Anonymized error information to help us improve the app.
Notification Access Permission
Fino requests Notification Listener permission to automatically detect bank transaction notifications. This feature:
- Reads notifications from banking and payment apps
- All data is processed locally on your device
- Real-time transaction detection
- Original notifications are never stored or transmitted
- We cannot access notifications without your explicit permission
What We Detect
- Transaction amounts
- Merchant names (anonymized)
- Transaction type (debit/credit)
What We NEVER Collect
- Account numbers
- Card numbers
- OTP codes
- Personal identification numbers
How to Enable/Disable: Go to Android Settings → Apps → Special Access → Notification Access → Toggle Fino on/off.
Anonymous Data Sharing (Optional)
Fino may collect anonymized, scrubbed data to improve our transaction detection accuracy. This is optional and can be disabled in Settings.
What We Collect (if enabled)
- Scrubbed notification text (all sensitive data removed)
- App package name (hashed)
- Transaction classification (bank/not-bank)
What is REMOVED before collection
- All numbers (amounts, card numbers, dates)
- Personal information
- Account details
- Reference numbers
- Merchant names are normalized to categories
Example of Scrubbed Data
Original: "Your card 4532 was charged OMR 25.50 at Starbucks"
Scrubbed: "__label__bank purchase at * MERCHANT_COFFEE card ending *"To Disable:Open Fino → Settings → Privacy → Toggle off "Help Improve Fino".
Data Storage & Security
Local Storage
- All data is stored locally on your device using encrypted database
- Data is encrypted using AES-256 encryption
- Encryption keys are stored securely in Android Keystore / iOS Keychain
No Cloud Storage
- We do not upload, sync, or share your financial data with any external servers
- Your data never leaves your device unless you explicitly export reports
Exports
- When you export PDF/CSV reports, files are saved to your device's download folder
- You are responsible for protecting exported files
Data Retention
- Local Data: Stored until you uninstall the app or clear app data
- Anonymous Training Data: Retained for model improvement (can be deleted on request)
- Exported Files: Your responsibility to manage and delete
Your Rights
You have the right to:
- Export all your data at any time
- Delete all data (via app settings or uninstalling)
- Control notification access permission
- Opt-out of anonymous data sharing
- Ask questions about your data
Children's Privacy
Fino is not intended for use by children under 13. We do not knowingly collect personal information from children.
Third-Party Services
Google Sign-In
We use Google Sign-In for authentication. Please refer to Google's Privacy Policy for information on how they handle your data.
No Other Third Parties
We do NOT use any analytics services, advertising networks, or crash reporting services that collect personal data.
Changes to This Policy
We may update this Privacy Policy periodically. We will notify you of any material changes through the app.
Data Safety Declaration for Google Play
Data Types Collected
| Data Type | Purpose | Encrypted | Shared |
|---|
| Financial transactions | Personal finance tracking | Yes | No |
| Budgets & Bills | Expense management | Yes | No |
| Device identifiers | Crash reporting only | Yes | No |
Data Storage
- Processed locally on device
- Never transmitted to external servers (except optional anonymous training data)
Data Sharing
- No personal data is shared with third parties
- No data is sold
- Optional anonymous data is scrubbed before collection
User Control
- Users can delete all data via app settings
- Users can revoke notification permission at any time
- Users can opt-out of anonymous data sharing
- No mandatory account creation required
Security
- AES-256 encryption for all stored data
- Biometric authentication available
- Secure enclave for encryption keys
Compliance
Fino complies with:
- Google Play Developer Policy
- GDPR (General Data Protection Regulation)
- CCPA (California Consumer Privacy Act)
- Android Best Practices for Financial Apps