Privacy Policy for Ledgerly AI
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Last Updated: January 8, 2025
Introduction
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Ledgerly AI ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application ("App"). Please read this Privacy Policy carefully. By using our App, you consent to the data practices described in this policy.
Information We Collect
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Personal Financial Data
The App collects and stores the following personal financial information on your device:
Transactions: Income and expense records, including amounts, dates, descriptions, and categories
Accounts: Bank accounts, cash accounts, and other financial accounts with balances
Categories: Custom expense and income categories with budget limits
Budgets: Budget allocations and spending limits for categories
Recurring Transactions: Scheduled recurring income and expense entries
All financial data is stored locally on your device and is never transmitted to our servers without your explicit consent.
Device Information
We may collect certain information automatically when you use the App:
Device type and operating system version
App usage statistics and crash reports (for app improvement)
Unique device identifiers
Authentication Data
Biometric authentication data (fingerprint, face recognition) is processed locally on your device
PIN codes and passwords are stored securely using device encryption
We do not have access to your biometric data or authentication credentials
How We Use Your Information
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Primary Functions
Financial Management: To provide core features including transaction tracking, account management, budget monitoring, and financial analytics
AI Assistant: To process your queries and provide financial insights using AI technology
App Functionality: To enable features such as notifications, data backup, and synchronization
AI Processing
When you interact with the AI assistant:
Your queries and financial data context are sent to Groq API (a third-party AI service provider)
This data is used solely to generate responses to your queries
We do not store your queries or AI responses on external servers
Groq's privacy practices apply to data sent to their service (see Third-Party Services below)
Analytics and Improvement
We use aggregated, anonymized data to improve app performance and user experience
Crash reports help us identify and fix technical issues
Usage statistics help us understand feature adoption
Third-Party Services
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Google Mobile Ads (AdMob)
Our App uses Google Mobile Ads SDK to display advertisements. Google may collect:
Device identifiers
IP addresses
App usage data
Location data (if permitted)
Google's Privacy Policy: [https://policies.google.com/privacy](https://policies.google.com/privacy)
Opt-out: You can opt out of personalized ads through your device settings or by subscribing to our premium plan (which removes ads).
Meta Audience Network
We use Meta Audience Network for ad mediation, which may collect:
Device identifiers
Advertising IDs
Usage data
Meta's Privacy Policy: [https://www.facebook.com/privacy/explanation](https://www.facebook.com/privacy/explanation)
Groq AI API
When using the AI assistant feature, your queries and relevant financial context are sent to Groq's servers for processing:
Query text
Relevant financial data context (transactions, accounts, budgets)
No personally identifiable information is included beyond what's necessary for the query
Groq's Privacy Policy: [https://groq.com/privacy-policy](https://groq.com/privacy-policy)
Google Play Billing
For in-app purchases and subscriptions:
Google Play processes payment information
We receive purchase confirmations and subscription status
We do not have access to your payment card details
Google Play Privacy Policy: [https://policies.google.com/privacy](https://policies.google.com/privacy)
Data Storage and Security
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Local Storage
All financial data is stored locally on your device using SQLite database
Data is encrypted using device-level encryption
We do not maintain central servers storing your financial data
Security Measures
Encryption: Data is encrypted at rest using device encryption
Authentication: Biometric and PIN authentication protect app access
Secure Storage: Sensitive data uses Flutter Secure Storage with platform-native secure storage
No Cloud Sync: By default, your data remains on your device only
Data Backup
Backup files are created locally on your device
You can export data to CSV or PDF formats
Backup files are not automatically uploaded to cloud services
You control where backup files are stored
Data Sharing and Disclosure
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We do NOT sell, trade, or rent your personal financial information to third parties.
We may share information only in the following circumstances:
1. With Your Consent: When you explicitly authorize data sharing
2. Service Providers: With trusted third-party services (AdMob, Groq) necessary for app functionality, subject to their privacy policies
3. Legal Requirements: When required by law or to protect our rights
4. Business Transfers: In connection with a merger, acquisition, or sale of assets (with notice to users)
Your Rights and Choices
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Access and Control
View Your Data: All your data is accessible within the app
Export Data: You can export your data to CSV or PDF formats
Delete Data: You can delete individual records or clear all data through app settings
Uninstall: Uninstalling the app removes all local data (ensure you have backups if needed)
Advertising Preferences
Opt-out of Personalized Ads: Through device settings (Android: Settings > Google > Ads)
Remove Ads: Subscribe to our premium plan to remove all advertisements
AI Assistant
You can choose not to use the AI assistant feature
AI queries are optional and require your explicit input
Children's Privacy
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Our App is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.
International Users
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If you are using our App from outside the United States, please be aware that:
Your data may be processed in the United States or other countries
Data protection laws may differ from those in your country
By using the App, you consent to the transfer of your information to the United States
Data Retention
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Active Use: Data is retained as long as you use the App
After Uninstall: All local data is deleted when you uninstall the App
Backup Files: Backup files you create remain on your device or chosen storage location until you delete them
Changes to This Privacy Policy
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We may update this Privacy Policy from time to time. We will notify you of any changes by:
Posting the new Privacy Policy in the App
Updating the "Last Updated" date
For significant changes, we may provide additional notice
Your continued use of the App after changes become effective constitutes acceptance of the updated Privacy Policy.
California Privacy Rights
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If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):
Right to Know: You can request information about what personal information we collect
Right to Delete: You can request deletion of your personal information
Right to Opt-Out: You can opt-out of the sale of personal information (we do not sell personal information)
To exercise these rights, please contact us using the information below.
European Privacy Rights (GDPR)
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If you are located in the European Economic Area (EEA), you have certain data protection rights:
Right to Access: You can request copies of your personal data
Right to Rectification: You can request correction of inaccurate data
Right to Erasure: You can request deletion of your personal data
Right to Restrict Processing: You can request restriction of data processing
Right to Data Portability: You can request transfer of your data
Right to Object: You can object to our processing of your personal data
To exercise these rights, please contact us using the information below.
Contact Us
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If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Email: \[Your Contact Email\] App Support: Available through the app's settings menu
Consent
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By using Ledgerly AI, you consent to our Privacy Policy and agree to its terms.
Note: This privacy policy is a template. Please review and customize it according to your specific needs, legal requirements, and actual data practices. Consider consulting with a legal professional to ensure compliance with applicable privacy laws in your jurisdiction.