This app handles sensitive financial information, so we want to be plain about what we collect, why, and how you can delete it.
Effective October 4, 2026Account information: your name, email address, and password (stored as a one-way hash, never in plain text), plus the country and currency you choose.
Google Sign-In: if you choose “Continue with Google”, we receive your Google account’s name and email address and a sign-in token that our server checks with Google to confirm it is you. We never receive or store your Google password. Google handles the sign-in itself under its own privacy policy.
Financial information you enter: income, expenses, savings, debt/loans, emergency fund, budgets, and goals. There is no bank account integration in this version of the app — every figure comes from what you type in.
Usage information: the days on which you log in or open the app (one simple record per day) and the date your account was created, so we can count active users and improve the app. We do not track your location or read data from other apps on your device.
Reminders and streak: the daily reminder, the budget alerts and your day streak are created and stored on your device itself. They send nothing to our servers. You can turn reminders off in Profile → Notification Preferences or in your phone’s settings. To suggest your country when you sign up, the app looks at your phone’s time zone and language region; this stays on your device.
Demo mode: if you choose “See a demo” on the welcome screen, sample data is shown on your device only. Nothing from the demo is saved or sent to us.
AI Financial Coach usage: if you use the AI Coach, the question you type (for free-text questions) is sent along with an aggregated summary of your financial data (such as totals, category breakdowns, and your score) to generate a response — never your individual transaction-level entries. We do not store your Coach conversations after the response is returned.
Referral and rewards information: your AI Points balance, your referral code, and — if you invite someone — that the new account was referred by yours, so we can credit AI Points correctly.
Financial information you enter is used only to calculate your Financial Health Score, show your dashboard and insights, generate your monthly report, and (when you choose to use it) let the AI Coach explain your numbers and suggest next steps — nothing more.
Account information (name, email, password or Google sign-in, country and currency) exists to let you log in securely, to show amounts in your currency, and to recover access to your data across sessions.
Daily usage records and your account’s creation date are used to count active users, to decide when the introductory ad-free period ends, and to improve the app.
We do not sell your personal or financial information. We do not share your individual financial figures with advertisers or any other third party.
The app is supported by advertising, shown via Google AdMob: a rewarded video (which may be shown before you open the AI Coach, or used to unlock a bonus insight or to earn AI Points), an interstitial ad before Score Breakdown and Monthly Report, a banner ad on the Finances, Budget and Goals screens, and an ad shown when opening the app. New accounts see no ads for their first 3 days. Ad content and measurement are handled by Google and its ad partners under their own privacy policies — this is separate from, and does not include, your financial information.
Where required (for example, in the EEA and UK), you are asked for consent before any ad-related data is collected, using Google’s consent management platform. You can review or change that choice anytime in Profile → Ad Privacy Options.
If you share your Financial Health Score, the shareable card shows only your score, status label, and your own referral code — never your income, expenses, savings, debt, or any other personal financial figure.
AI Coach responses are generated by a language model that TechMasti runs on its own servers. Your financial summary and questions are never sent to OpenAI, Google Gemini, Anthropic, or any other third-party AI provider.
Your data is encrypted in transit (TLS) between the app and our servers, and your password is never stored in a recoverable form.
Your login session uses an expiring authentication token. Logging out clears that token from your device.
You can delete your account at any time from Profile → Delete Account, or by emailing us at the address below with your account’s email address and a request to delete it. Deleting your account removes your personal and financial information — including your Google sign-in link, daily usage records, AI Points balance, referral link, and AI Coach entitlement — from our production systems within 30 days, except where we are legally required to retain limited records (for example, to investigate fraud or abuse).
Backups are retained on a standard rotation cycle and are not purged instantly — deleted data may persist in backups for a limited time after deletion before being cycled out.
When you delete your account in-app, we ask you to select a reason. That reason (and any optional note you add) is stored separately from your account and contains no information that identifies you — it is used only in aggregate, to understand why people leave and improve the app.
This app is not directed at children and is not intended for use by anyone below the age required to manage their own finances or enter into agreements in their jurisdiction.
If this policy changes in a material way, we will update the effective date above. Continued use of the app after a change means you accept the updated policy.
Questions about this policy, your data, or a deletion request? Reach us at support@techmasti.com.
