Privacy Policy
Last Updated: March 2026
Introduction
Effective Date: March 02, 2026 Fin OS ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how your personal and financial information is collected, used, stored, and protected when you use the Fin OS mobile application. By using the App, you agree to the collection and use of information in accordance with this policy.
1. Information We Collect
Fin OS is designed to be an offline-first application. We prioritize local storage and minimize data collection. • Authentication Data: If you create an account, we collect your email address or phone number via Firebase Authentication solely for the purpose of verifying your identity and securing your app profile. • Financial Data: All financial data you enter (accounts, transactions, budgets, net worth, and debt information) is stored locally on your device's internal storage using a secure SQLite database.
2. How We Use Your Information
We use the collected data exclusively to provide and improve the App's features, including: • Calculating your net worth, debt payoff strategies, and F.I.R.E. goals. • Generating local, personalized financial insights and notifications. • Authenticating your secure login. We do not sell, rent, or trade your personal or financial data to any third parties. We do not use your financial data for targeted advertising.
3. Google API Services & Drive Sync
Fin OS offers an optional 'Auto-Cloud Backup' feature that allows you to securely back up your financial data to your personal Google account. • Access: If enabled, the App requests access to the Google Appdata scope. • Usage: This scope strictly limits the App's access to a hidden, private application data folder within your Google Drive. The App uses this access solely to upload, update, and restore your encrypted finos_vault_backup.json backup file. The App cannot see, read, or access your personal photos, documents, or other files in your Google Drive. Fin OS's use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements.
4. Data Storage and Security
• Local Storage: By default, your data never leaves your device. • Biometric Security: The App supports local device authentication (FaceID/Fingerprint) to prevent unauthorized access to your financial dashboard. • Cloud Storage: If you opt-in to Google Drive Sync, your backup is stored directly on Google's secure servers within your private account. We do not host your financial data on our own servers.
5. Data Deletion and User Rights
You retain full control over your data. • Local Data Deletion: You can permanently wipe all local financial data using the 'Reset App Data' feature in the Settings menu. • Account Deletion: You can permanently delete your Fin OS user account and profile data directly from the Settings menu. • Cloud Backup Deletion: Because the cloud backup resides in your personal Google Drive, you can delete it by revoking the App's access via your Google Account Security settings.
6. Third-Party Services
The App uses the following third-party services that may collect information used to identify you: • Google Play Services • Firebase Authentication These services are bound by their respective privacy policies.
7. Local-First Intelligence
Fin OS Pro processes 100% of your financial analysis on your device. Our AI merchant sanitizer and category classifiers run locally; your raw bank descriptions never leave your phone.
8. Google API & Limited Use
If you enable Cloud Sync, the App requests access to user private google drive for backup. This access is strictly limited to a hidden, private folder in your Google Drive. We only use this to store your encrypted vault files. We cannot access your photos or other documents.
9. Security Encryption
Local and cloud-stored backups are secured using AES-256-GCM. This ensures that even in the event of unauthorized access to your storage, your financial vault remains cryptographically locked.
10. Security & Encryption
Local and cloud-stored backups are secured using AES-256-GCM. This ensures that even in the event of unauthorized access to your storage, your financial vault remains cryptographically locked.
11. Contact Us
If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at: Email: finosapp.dev@gmail.com