Privacy Policy

Fundeer (“we”, “our”, “the App”) is a personal finance tracking application. This policy explains what data we collect, how we use it, and your rights regarding that data.

Account Information

When you create an account, we collect your email address, name, and password (or Google Sign-In credentials). This is required for cloud sync, bank connections, trip sharing, and family features.

Financial Data

Your transactions, budgets, categories, and goals are stored locally on your device and synced to our secure servers if you enable cloud sync. If you connect a bank (Monobank or PrivatBank), we receive your account balances and transaction history through their official APIs.

Device & Usage Data

We collect device information (model, OS version), app version, crash reports, and anonymous usage analytics to improve the app. This data is processed by Firebase (Google) services.

Optional Data

• Location (only if you enable receipt location tagging)
• Camera access (only for receipt scanning)
• Microphone access (only for voice input)
• Receipt images (processed on-device, only text sent to our AI)

• Provide core app functionality (expense tracking, budgets, analytics)
• Sync your data across devices (if enabled)
• Process voice and receipt inputs to create transactions
• Enable trip and family expense sharing
• Send push notifications about transactions and sync status
• Improve app stability and fix bugs (via crash reports)
• Understand feature usage to improve the app (anonymous analytics)

We use the following third-party services:

• Firebase (Google) - Authentication, crash reporting, analytics, cloud storage, push notifications
• Monobank API - Bank account connection (Ukraine)
• PrivatBank API - Bank account connection (Ukraine)
• Our Backend (api.wkit.dev) - Data sync, AI processing, user accounts

We do not sell your data to third parties. We do not share your financial data with advertisers or data brokers.

When you connect your bank account, you authenticate directly with your bank using their official OAuth flow. We never see or store your bank login credentials. We only receive read-only access to your account information and transaction history, which you can revoke at any time.

• All data transmitted using TLS 1.3 encryption
• Sensitive tokens stored in iOS Keychain
• Optional biometric (Face ID/Touch ID) app lock
• Receipt images processed on-device (not uploaded)
• Bank credentials never stored on our servers

Your data is retained while your account is active. Receipt metadata is kept for 365 days by default (configurable). You can delete all receipt data or your entire account at any time. Account deletion is scheduled with a 7-day grace period during which you can cancel.

You have the right to:

• Export - Download all your data (transactions, accounts, profile)
• Delete - Remove your account and all associated data
• Disconnect - Remove bank connections at any time
• Opt-out - Disable analytics in app settings

Fundeer is intended for users aged 13 and older. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal information, please contact us immediately.

Our servers are located in the European Union. If you use Fundeer from outside the EU, your data will be transferred to and processed in the EU. We comply with GDPR requirements for data protection.

We may update this policy periodically. We will notify you of significant changes through the app or by email. Continued use after changes constitutes acceptance of the updated policy.

Questions about privacy? Email us at email.andie.one@gmail.com