FinVault360 — Privacy Policy

Last updated: 16 August 2026

FinVault360 (“the app”, “we”, “us”) is a personal finance app that runs entirely on your device. This policy explains what information the app stores, where it is stored, the device permissions it uses, and the choices you have.

FinVault360 is offline-first: your financial data stays on your device and is never sent to any server operated by us. We do not sell your data and we do not share it with advertisers.

In short

• Your financial and personal data is stored on your own device.
• Data is encrypted at rest on the device.
• The app does not operate its own server and does not send your financial data to us.
• We do not sell your data and do not share it with advertisers.
• Backups are optional and go only to destinations you choose (your own Google Drive, or a Full Backup file you save/share yourself).

What data the app stores

Everything you enter stays on your device. This can include:

• Expenses, income, budgets and goals
• Accounts, balances, wealth, assets and liabilities
• Bills, reminders, trips and documents
• Family Vault records and any attachments you add
• Your name and email, if you choose to enter them in your profile
• App settings, and your PIN or lock preferences (stored securely on the device)

Where your data is stored

All of your data is stored locally on your device and is encrypted at rest. The app does not send your financial data to us or to any server we control. Data only ever leaves your device if you choose to create a backup (see below).

Permissions and why they are used

• Camera — used only when you choose to scan or capture a document to fill a form on-device. Images are processed on the device and are not sent to us.
• Photos / files — used only to attach a document or receipt you pick.
• Biometrics (fingerprint / face) — used only to unlock the app. Your biometric data never leaves your device and is handled by the operating system.
• Notifications — used only for local reminders (such as bills and renewals). They are generated on the device.

Google Drive backup (optional)

Google Drive backup is optional and fully controlled by you. It is off until you connect your own Google account.

• When enabled, the app saves your backup into your own Google Drive using your own account. We never receive or store this data.
• The app uses the narrow drive.file permission, which means it can only see and manage the backup files it creates in your Drive — it cannot see any of your other Google Drive files.
• Backup traffic to Google is over HTTPS.
• You can turn off sync or disconnect your Google account at any time from Settings.

Full Backup file (optional)

A Full Backup is a single file that you create yourself and choose where to save or share. It is always encrypted with a password you set when you create it.

• The Full Backup includes your Family Vault records and attachments; other backup types do not include them unless stated.
• Because you choose where the file goes, you are responsible for keeping it safe and for remembering its password.

Data sharing

We do not share your data with any third party for advertising or analytics. The only time your data leaves your device is when you use an optional backup or export that you initiate yourself — and it goes to a destination you choose (such as your own Google Drive or a file you save or share).

Deleting your data

• You can erase all app data from within the app using the clear-all-data option in Settings.
• Uninstalling the app removes the data stored on your device.
• Backups you created in your own Google Drive stay there until you delete them from your Drive.
• Full Backup files you saved or shared stay wherever you put them until you delete them yourself.

No bank linking or money movement

FinVault360 does not link to your bank, does not read your bank statements automatically, and does not move real money. It never performs UPI transfers or any real payments. All figures are entered or imported by you and are used only for tracking and planning.

Subscriptions and payments

FinVault360 offers an optional paid subscription. Payments are handled entirely by the app store you downloaded the app from — the Apple App Store or Google Play.

• We never see or store your card number, bank details or billing address; the store processes the payment.
• To know whether your subscription is active, the app uses RevenueCat, a subscription-management service. RevenueCat receives only an anonymous, randomly generated app identifier and the purchase receipt from the store — never your name, email, or any of your financial records in the app.
• Your financial data stays on your device regardless of subscription status.
• You can manage or cancel the subscription at any time in your App Store or Google Play account settings.

Children

FinVault360 is intended for personal money management by adults and is not directed at children.

Changes to this policy

If this policy changes, we will update the “Last updated” date shown at the top. Significant changes may also be highlighted in the app.

Contact

Questions about your privacy? Reach us at finvault360@gmail.com.