Privacy Policy for Fin - Buddy

1. Introduction

SconexSoft ("we", "our", or "us") operates the Fin - Buddy mobile application. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application. Please read this Privacy Policy carefully. By using Fin - Buddy, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We may collect information that you directly provide to us to facilitate personal financial tracking and reminders:

• Account & Contact Information: Name, mobile phone number, email address, and authentication credentials (such as password or PIN hashes) required for secure login.
• Financial Record Data: User-entered personal finance records such as loan details, EMI schedules, credit card dues, insurance policies, and reminder due dates. (Note: Fin - Buddy is a personal financial planner and tracking tool; we do not issue loans or conduct banking transactions).
• Device & Application Information: Device model, operating system version, and application performance data for diagnostic and reliability purposes.

3. Device Permissions & How We Use Them

Fin - Buddy requires specific Android permissions strictly to deliver its core reminder and security features:

• Internet & Network Access (INTERNET, ACCESS_NETWORK_STATE): Used to synchronize your encrypted records with the backend database.
• Exact Alarms & Notifications (SCHEDULE_EXACT_ALARM, POST_NOTIFICATIONS, RECEIVE_BOOT_COMPLETED): Used to schedule and ring timely reminder alerts for upcoming EMI due dates, policy renewals, and bill deadlines even if the device restarts.
• Biometric Authentication (USE_BIOMETRIC): Enables local device fingerprint or face unlock. Biometric data is processed exclusively by your device's secure enclave and is never transmitted or stored on our servers.
• Battery Optimization Exemption: Requested optionally so scheduled notifications trigger reliably in the background across various Android OEM battery-saving profiles.

4. Data Security & Storage

We implement industry-standard security measures to protect your personal and financial information:

• All data in transit between the mobile app and our servers is encrypted using HTTPS / TLS encryption.
• Sensitive authentication tokens and local data are stored in protected application storage.

5. Third-Party Sharing

We do not sell, rent, or trade your personal or financial data to any third parties or advertisers. Data is only accessed to provide and maintain the services requested by you.

6. Data Retention and Account & Data Deletion

We retain your information for as long as your account is active or needed to provide services. Users have full control to delete their data or permanently close their account:

• In-App Deletion: You can delete individual loans, insurance policies, or reminders at any time directly within the app dashboard.
• Full Account Deletion Request: To permanently delete your Fin - Buddy account, login credentials, and all associated financial records, send an email from your registered mobile/email to support@sconexsoft.com with the subject "Delete My Fin - Buddy Account".
• Processing Period: Upon receiving your request, all personal details, authentication credentials, and financial tracking entries are permanently deleted from our primary databases within 30 days.

7. Children's Privacy

Fin - Buddy is intended for general audiences aged 18 and older. We do not knowingly collect personal identifiable information from children under 13.

8. Changes to This Privacy Policy

We may update our Privacy Policy periodically. Any changes will be posted on this page with an updated revision date.

9. Contact Us

If you have any questions, feedback, or data privacy requests regarding this Privacy Policy, please contact us: