Privacy Policy

🏢 1. Who we are

FlowPerch is a personal finance app built to help you track income, expenses, investments, and money lent or borrowed — all in one place.

This Privacy Policy explains what information we collect when you use the FlowPerch iOS app, how we use it, and what choices you have.

If you have any questions, contact us at support@flowperch.app.

📋 2. Data we collect

We collect only what is necessary to provide the app's features.

Data you enter directly

• Transaction records (amounts, categories, dates, notes)
• Payment modes and account names
• Savings goals
• Category names and budget limits

Account data (only if you sign in)

• Your name and email address — used to identify your backup
• Authentication token from Google or Apple — we never see your password

Data we do NOT collect

• Bank credentials or account numbers
• Location data
• Contacts or photos (unless you attach a receipt image)
• Advertising identifiers
• Device analytics or crash reports beyond what Apple provides to all developers

📱 3. How your data is stored

Local storage (default, no sign-in needed)
All transaction data is saved directly on your device using local storage. This data never leaves your device unless you choose to back it up.

Cloud backup (optional, sign-in required)
When you sign in and tap "Back Up Now" in the Backup & Sync screen, your data is encrypted in transit and stored in Firebase Firestore — a secure, Google-hosted database. Your data is associated with your account and is not accessible to us or any third party.

You can delete your cloud backup at any time by deleting your account from within the app.

⚙️ 4. How we use your data

We use the data you provide solely to operate the app:

• Display your financial summaries, reports, and transaction history
• Send due-date reminders for money you lent or borrowed (if you enable notifications)
• Restore your data when you sign in on a new device

We do not use your data for marketing, profiling, or advertising — ever.

🔗 5. Third-party services

FlowPerch uses the following third-party services. Each has its own privacy policy.

No advertising SDKs, analytics platforms, or data brokers are integrated into FlowPerch.

🚫 6. Data sharing & selling

We do not sell, rent, trade, or share your personal data with any third party for commercial purposes. Period.

The only circumstance in which we would disclose information is if required to do so by law (e.g., a valid court order) — and even then, only the minimum data required.

✋ 7. Your rights & choices

You are in full control of your data:

• Access — All your data is visible to you directly within the app.
• Export — Export all your transactions as a CSV or PDF at any time from More → Export.
• Delete local data — Go to More → Clear All Data to permanently erase all data from your device.
• Delete cloud data & account — Go to More → Account → Delete Account. This permanently deletes your account and all cloud-backed data. This action cannot be undone.
• Opt out of cloud backup — Simply don't sign in. The app is fully functional without an account, and no data ever leaves your device.
• Notifications — You can disable reminders at any time from More → Notifications or from your device Settings.

If you are located in the EU (GDPR) or California (CCPA), you have additional rights including data portability and the right to erasure. Please contact us at support@flowperch.app to exercise these rights.

👶 8. Children's privacy

FlowPerch is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us at support@flowperch.app and we will delete it promptly.

🔒 9. Security

We take security seriously:

• All data transmitted to Firebase is encrypted using TLS.
• Data stored in Firebase Firestore is encrypted at rest.
• Authentication is handled by Firebase Auth — we never store passwords.
• The app supports Face ID, Touch ID, and PIN lock to prevent unauthorized access on your device.

No method of transmission or storage is 100% secure. If you discover a security vulnerability, please contact us responsibly at support@flowperch.app.

📝 10. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page. For significant changes, we will notify you within the app.

Continued use of FlowPerch after changes are posted constitutes your acceptance of the updated policy.