FinArk ("the app", "we") is a personal finance tracking application whose core features include automatically detecting your transactions from your bank's alerts and messages. This policy explains what data the app collects, how it is used, and the choices you have. By using FinArk you agree to this policy.
Data we collect
- Account information. When you sign in with Google we receive your name, email address, and profile picture. This is used only to create and identify your FinArk account.
- Financial data you enter. Transactions, accounts, budgets, categories, fixed expenses, loans, assets, and income details you add in the app are stored on our servers so they can be synced to your device.
- Detecting transactions from your messages (optional).
A core feature of FinArk is automatically detecting your own bank and
payment transactions. With your permission, FinArk can do this in two ways:
by reading the transaction notifications posted by your
messaging app, or, if you grant SMS access, by reading your SMS
messages directly — both the financial SMS already in your inbox
(to import past transactions from a date you choose) and new financial SMS
as they arrive (to detect transactions in real time). Only messages that
look like a bank or payment alert and reference an account
you've added are used; FinArk does not read, store, or transmit the content
of any other messages.
The text of your messages stays on your device. Each message is read on the phone to pick out the transaction details — the amount, whether it's money in or out, the account's last few digits, the merchant, the date, the sender ID, and any bank/UPI reference number. Only those details, plus a short summary line built from them, are sent to your FinArk account — never the message itself. Alongside them we store a one-way fingerprint (a hash) of the original text, which lets us recognise the same alert arriving twice without holding the text it was made from. You can revoke either permission at any time in Android settings. - Detected transactions awaiting your review. A detected alert is never recorded automatically — it waits for you to confirm or dismiss it. While it waits, the details above are held in your FinArk account rather than only on the phone, so a detection survives reinstalling the app and reaches your other devices. Whether you confirmed or dismissed it is also kept, so the same alert is not offered to you again. Both are deleted along with your account.
- Purchase and subscription data. If you buy FinArk Premium, we store the Google Play product you bought, the purchase token Google issues, the subscription's expiry date and its current state (for example active, cancelled, or in a grace period). We keep this to know whether your Premium access is valid — it is the only way to confirm a purchase, since we verify every token directly with Google rather than trusting the app. See Payments below for what we never see.
- Advertising data. The app shows banner ads served by Google AdMob to users on the free tier. AdMob may collect your device's advertising ID and related data to serve and measure ads, as described in Google's Privacy Policy. You can reset or delete your advertising ID in Android settings. Ads are not shown while a Premium subscription is active.
Payments
All Premium purchases are processed by Google Play, not by us. Your card, UPI, or other payment details are entered in Google's purchase sheet and are never sent to, seen by, or stored on our servers. We receive only the purchase token and subscription status described above. Google's handling of your payment data is governed by Google's Privacy Policy.
What we do NOT collect
How your data is used
Your data is used solely to provide the app's features: syncing your financial records across sessions, showing dashboards and summaries, and sending you optional local reminders. We do not use your financial data for advertising or share it with third parties, except as required by law.
Security
All communication between the app and our servers uses HTTPS (TLS) encryption. Access tokens are stored in your device's secure storage. Data is held on servers located in the European Union (France).
Data retention and deletion
Your data is retained while your account is active. You can request deletion of your account and all associated data at any time — see Delete my account. Deletion requests are completed within 30 days. Your purchase records are deleted along with your account; note that deleting your FinArk account does not by itself cancel an active Google Play subscription, which you cancel in the Play Store.
Children
FinArk is intended for adults (18+) and is not directed at children under 13. We do not knowingly collect data from children.
Changes to this policy
If we make material changes we will update this page and the effective date above.
Contact
For any privacy questions or requests, contact: rameshkumars120819@gmail.com