Privacy Policy

1. Information We Collect

To provide a functional experience, we collect a minimal amount of data:

• Account Information: Your username and hashed password (we never store plain-text passwords).
• Transaction Data: Amounts, dates, and categories that you manually enter.
• EMI Details: Product names, bank names, and installment schedules for tracking purposes.
• Technical Data: Basic logs such as IP addresses for security monitoring and session management (via Cookies).

2. How We Use Your Data

Your data is used exclusively to power the FinanceFlow Pro features:

• Generating your visual analytics and spending charts.
• Calculating your budget limits and remaining balances.
• Managing your "Lent & Borrowed" history.
• Providing the "Yearly Excel Export" functionality.

Note: We do not sell, rent, or trade your personal financial data to third-party advertisers or data brokers.

3. Data Storage & Security

Our database architecture is designed with "Privacy-First" as the core principle:

• Encryption: As mentioned, sensitive fields are encrypted. Even in the event of unauthorized database access, the data remains encrypted.
• Self-Healing: Our system performs integrity checks to ensure your data is structured correctly and available when you need it.
• Cookies: We use "Remember Me" cookies only if you opt-in. These are encrypted and used solely for session persistence.

4. Your Rights & Controls

You have full control over your information:

• Access: You can view all your records at any time via the Dashboard.
• Correction: You can edit or update any transaction directly from the "Month Overview" or "Loan Records" sections.
• Portability: You can download your entire yearly history via the Excel Export feature.
• Deletion: You can request account deletion, which will purge your records from our active databases.

5. Third-Party Services

FinanceFlow Pro is a self-contained application. However, we use certain external libraries for performance:

• Tailwind CSS & Lucide Icons: For a modern user interface.
• Chart.js: To render your financial data locally in your browser.

We do not connect directly to your bank accounts. All data is entered manually by you, ensuring that no third-party financial aggregator has access to your bank login credentials through us.

6. Changes to This Policy

We may update our Privacy Policy to reflect changes in our security practices or platform features. Significant changes will be notified via a prominent notice on the Dashboard.