1. Introduction
Welcome to Cents AI ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclosure, and safeguard your information when you use our mobile application (the "App").
2. Information We Collect
A. Personal Data
We collect personal information that you voluntarily provide to us when registering for the App, including:
- Name
- Email address
- Profile picture (optional)
B. Financial Data
The App is designed to track your finances. We store:
- Transaction details (amounts, categories, titles, dates)
- Budget limits and recurring expense settings
- Chat logs with the AI assistant
C. Microphone & Voice Data
The App includes voice input functionality to allow you to speak financial transactions and queries. When you enable microphone access:
- Your voice is processed locally on your device by our NLP engine
- Transcribed text may be sent to our AI providers (Google Gemini / OpenRouter) for analysis
- Raw audio files are never stored on our servers
- Microphone permission must be explicitly granted via your device settings
3. How We Use Your Information
We use the information we collect or receive:
- To provide services:Managing your account, tracking expenses, and generating charts.
- To provide AI insights:Your transaction data is processed by our AI providers (Google Gemini / OpenRouter) to answer your specific financial questions.
- To send notifications:Reminders for bill payments or budget alerts.
4. Third-Party Services
We may share data with the following third-party vendors for specific purposes:
- Firebase (Google):For authentication, database storage, and cloud functions.
- OpenRouter / Google Gemini:For AI processing. Note: We send anonymized context to these AI providers to generate answers. We do not use your data to train their public models if avoided by their enterprise terms.
5. Data Security
We use administrative, technical, and physical security measures to help protect your personal information.
- Data is encrypted in transit (HTTPS/TLS) and at rest (Firestore encryption).
- API keys are secured server-side.
- Voice data is processed with NLP algorithms and not stored as raw audio on our servers.
6. Your Data Rights
You have the right to:
- Access:View the data we hold about you within the App.
- Delete:Request deletion of your account and all associated data via the App settings or by contacting us.
- Export:Request a copy of your financial data.
7. Changes to This Policy
We may update this privacy policy from time to time. The updated version will be indicated by an updated "Revised" date and the updated version will be effective as soon as it is accessible.
8. Contact Us
If you have questions or comments about this policy, you may email us at:
support@centsai.app