1. Eligibility
You must be at least 18 years old (or the age of majority in your jurisdiction) to use this App.
2. Account Registration
Users sign up using their Google account. During registration, we may collect:
- Email address
- First name and last name
- Phone number
- Profile type (e.g., employee, self-employed, business, homemaker)
You are responsible for maintaining the confidentiality of your account.
3. App Functionality
The App allows users to:
Add and manage:
- Bank accounts (non-sensitive info only)
- Credit cards (last four digits, expiry date, billing cycle, limits)
- Wallets, cashbooks, pay-later accounts, gift cards
Track:
- Daily expenses
- Income transactions
- Categorize financial activities
⚠️ Important: The App does not connect to banks or fetch real-time financial data. All entries are manually provided by the user.
4. Data Storage and Security
All financial and transactional data is stored locally on the user's device using SQLite.
- This data is not transmitted to our servers.
- The App cannot access your financial data outside your device.
Data Stored Locally Includes:
- Accounts and financial entries
- Transactions (income/expenses)
- Categories and notes
5. Google Drive Export
Users may choose to export their data to their own Google Drive. This export is:
- Fully controlled by the user
- Stored under the user's own Google account
- We do not access, store, or process this exported data.
6. Limited Data Collection
We only store the following user data externally (if applicable):
- Email
- First name
- Last name
- Phone number
- Profile type
This information is used solely for:
- Account identification
- App personalization
- Basic user management
7. No Financial Advice
The App is a personal finance tracking tool only. We do not provide:
- Financial advice
- Investment recommendations
- Banking services
You are solely responsible for decisions made based on your data.
8. User Responsibilities
You agree:
- To provide accurate information
- Not to misuse the App
- Not to attempt unauthorized access to the App or its systems
9. Data Loss Disclaimer
Since data is stored locally:
- Uninstalling the app may result in permanent data loss
- We strongly recommend using the Google Drive export feature for backup
We are not responsible for:
- Device loss
- Data corruption
- Accidental deletion
10. Limitation of Liability
To the maximum extent permitted by law:
- The App is provided "as is"
- We are not liable for:
- Financial losses
- Data loss
- Incorrect entries made by users
11. Third-Party Services
The App uses:
- Google Sign-In for authentication
- Google Drive (optional export)
Use of these services is subject to Google's Terms and Privacy Policies.
12. Termination
We reserve the right to:
- Suspend or terminate access if Terms are violated
13. Updates to Terms
We may update these Terms periodically. Continued use of the App means you accept the updated Terms.
14. Contact Information
For questions or support:
- Email: admin@finalect.com
- App Name: Finalect
- Developer: Finalect Team