Privacy Policy

Last updated:

At Spend Flow, we are committed to protecting your privacy and ensuring the security of your personal and financial information. This updated privacy policy explains how we collect, use, store, and protect your data.

1. Information We Collect

Personal Information:

• Name, email address, and phone number
• Profile picture and account preferences
• Device information and app usage statistics

Financial Information:

• Transaction details and amounts
• Wallet and account information
• Budget settings and financial goals
• Spending patterns and categories

SMS Data (Optional):

• SMS messages for automatic transaction detection
• Transaction-related SMS content
• Bank and payment gateway notifications

2. How We Use Your Information

Core Services:

• Provide personalized financial tracking
• Generate spending reports and insights
• Send transaction notifications and alerts
• Enable budget management and goal tracking

Service Improvement:

• Analyze usage patterns to improve features
• Develop new functionality based on user needs
• Optimize app performance and user experience

Communication:

• Send important service updates and notifications
• Respond to your support requests
• Provide customer service and technical assistance

3. Data Storage and Security

Data Storage:

• Your data is stored on secure cloud servers
• We use industry-standard encryption (AES-256)
• Data is backed up regularly for reliability
• Servers are located in secure data centers

Security Measures:

• End-to-end encryption for sensitive data
• Multi-factor authentication for account access
• Regular security audits and vulnerability assessments
• Access controls and employee training

SMS Processing:

• SMS data is processed locally on your device
• Only transaction-relevant information is extracted
• Raw SMS content is never stored on our servers
• You can disable SMS access at any time

4. Data Sharing and Third Parties

We Do Not:

• Sell your personal or financial data
• Share data with advertisers or marketers
• Use your data for purposes other than service provision

Limited Sharing:

• Service providers who help us operate the app
• Legal authorities when required by law
• With your explicit consent for specific purposes

Third-Party Services:

• We may use analytics services to improve our app
• Payment processors for premium features
• Cloud storage providers for data backup
• All third parties are bound by strict data protection agreements

5. Your Rights and Choices

Access and Control:

• View and download your data at any time
• Update or correct your personal information
• Delete your account and all associated data
• Opt out of non-essential communications

Permissions:

• Control which permissions the app can access
• Disable SMS reading at any time
• Manage notification preferences
• Revoke access to camera, location, and storage

Data Portability:

• Export your financial data in standard formats
• Transfer your data to other services
• Request a copy of all your stored information

6. Data Retention

Active Accounts:

• We retain your data while your account is active
• Data is kept for service provision and support
• Historical data helps provide better insights

Account Deletion:

• Data is deleted within 30 days of account deletion
• Some data may be retained for legal compliance
• Backup copies are securely destroyed

Inactive Accounts:

• Accounts inactive for 2 years may be archived
• You will be notified before any data deletion
• You can reactivate your account at any time

7. Children's Privacy

• Spend Flow is not intended for children under 13
• We do not knowingly collect data from children under 13
• If we discover we have collected such data, we will delete it
• Parents should supervise their children's app usage

8. International Data Transfers

• Your data may be processed in different countries
• We ensure adequate data protection measures
• We comply with applicable data protection laws
• Cross-border transfers use approved safeguards

9. Changes to This Policy

• We may update this policy from time to time
• Significant changes will be communicated to you
• You will be notified via email or in-app notification
• Continued use constitutes acceptance of updated policy

10. Contact Us

If you have questions about this privacy policy or our data practices:

Email:
support@imock.in

Data Protection Officer:
privacy@imock.in

Response Time:
We aim to respond to all privacy-related inquiries within 48 hours.

Delete Account

You can delete your Spend Flow account by following these steps:

1. Open the Spend Flow app
2. Go to Profile or Settings
3. Tap “Delete My Account”
4. Confirm your choice. Your account and data will be permanently deleted

Need help? Contact us at privacy@imock.in

Terms & Conditions

By using Spend Flow, you agree to the following terms:

• You are responsible for the accuracy of the information you provide
• You agree not to misuse the app or attempt to reverse engineer it
• Spend Flow is not liable for losses from inaccurate data input
• We may update these terms at any time with notification

Contact Us

For privacy questions or data requests, contact us:
Email: support@imock.in
Data Protection Officer: privacy@imock.in