Privacy Policy

1. Information We Collect

• •Account information: Name and email address from your Google sign-in.
• •Financial ledger data: Expenses, income, transfers, categories, dates, and notes you log via voice or text.
• •Voice inputs: Spoken phrases are transcribed by our AI and stored only as text (we do not store raw audio recordings).
• •Usage data: App interactions, crash logs, and anonymous analytics to improve the service.

2. How We Use Your Information

• •To provide the core ledger and AI features (categorization, insights, dashboard).
• •To personalize your experience and generate smart money-flow reports.
• •To communicate with you (welcome emails, support responses).
• •To improve the App through analytics.

3. Data Sharing

We do NOT sell your personal or financial data to third parties.

• •Google (for authentication)
• •Our hosting and AI providers (strict data-processing agreements)
• •Stripe (only if you choose to upgrade via web checkout)

4. Data Security

• •All data is encrypted in transit (HTTPS) and at rest. Your financial information is stored securely and never shared for marketing.

5. Your Rights

• •You can view, edit, or delete any ledger entry inside the App.
• •You can delete your entire account and all data at any time from Settings → Delete Account.
• •You can request a copy of your data or ask questions by replying to any support email.

6. Children's Privacy

• •ChoFlo is not directed at children under 13. We do not knowingly collect data from children.

7. Changes to This Policy

• •We may update this policy. We will notify you of material changes via email or in-app notice.

8. Contact Us

• •Email: support@choflo.com
• •Or use the in-app voice help.