Mabud Alam

Introduction

No Broke ("we," "our," or "the App") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your information when you use our personal finance management application.

Information We Collect

1. SMS Messages

What we collect: The App reads SMS messages from your device to extract banking and financial transaction information.
Purpose: To automatically parse and categorize your financial transactions from banking SMS notifications.
How it's used: SMS content is processed locally on your device to identify transaction details (amount, merchant, date, type).
Storage: Only transaction-related SMS content is stored locally in the app's database.

2. Camera and Photos

What we collect: Images captured through the camera or selected from your device's photo library.
Purpose: To allow you to attach receipts, bills, or other transaction-related images to your financial records.
How it's used: Images are stored locally on your device and associated with specific transactions.
Storage: All photos are stored locally on your device within the app's storage.

3. Financial Data

We collect and store the following financial information that you provide:

Transaction details: Amount, date, type (credit/debit), category, merchant name, description, location
Account information: Account names, types, balances, and currency
Budget information: Monthly budget allocations and spending limits
Notes and descriptions: Any custom notes or descriptions you add to transactions

4. AI Chat Data

What we collect: Your chat messages and queries sent to our AI finance assistant
Financial context: Aggregated transaction data, account balances, and budget information sent to provide personalized financial advice
Chat history: Previous conversation messages (configurable, 2-20 messages) for context
Purpose: To provide AI-powered financial assistance and personalized recommendations

5. App Usage Data

Settings and preferences: Your app configuration choices, theme preferences, and feature settings
Backend URL configuration: Custom backend server URLs if configured

How We Use Your Information

Local Processing

SMS Parsing: All SMS parsing and transaction extraction happens locally on your device using Google's Generative AI (Gemini) API
Data Storage: All your financial data is stored locally in an encrypted SQLite database on your device
Offline Functionality: Core features work offline without requiring internet connectivity

AI-Powered Features

When you use the AI chat assistant:

Your financial data (transactions, accounts, budgets) is sent to our backend server at https://your-finance-bro-agent-production.up.railway.app (or your configured custom URL)
The backend uses this data to provide personalized financial advice and insights
Chat history is maintained to provide contextual responses

Data Analytics

We do NOT collect analytics or tracking data
We do NOT use third-party analytics services
We do NOT track your app usage patterns

Data We Do NOT Share:

We do NOT sell your personal or financial data to third parties
We do NOT share your data with advertisers
We do NOT share your data with financial institutions
We do NOT use your data for marketing purposes

Permissions We Require

Android Permissions:

READ_SMS: To read banking SMS messages for transaction parsing
RECEIVE_SMS: To receive new banking SMS in real-time
READ_EXTERNAL_STORAGE: To access photos for transaction attachments
WRITE_EXTERNAL_STORAGE: To save exported data files
CAMERA: To capture photos of receipts and bills
INTERNET: To communicate with the AI chat backend

All permissions are requested at runtime and can be denied. The app's functionality will be limited if permissions are not granted.

Data Security

Security Measures:

Local Encryption: All data stored locally on your device is protected by the device's built-in security features
No Cloud Storage: Your financial data is not automatically uploaded to cloud servers
Secure Communication: All communications with backend services use HTTPS encryption

Your Responsibilities:

Keep your device secured with a password, PIN, or biometric lock
Do not share your device with unauthorized users
Regularly update the app to receive security patches

Data Retention and Deletion

Data Retention:

Local Data: Your financial data remains on your device until you manually delete it
Chat History: Chat messages are stored locally and can be deleted individually or entirely
SMS Content: Only transaction-related SMS excerpts are stored; you can delete transactions at any time

Data Deletion:

Individual Transactions: Delete any transaction from within the app
Chat Messages: Delete individual user messages while keeping assistant responses
Complete Data Removal: Uninstalling the app removes all locally stored data
Backend Data: Chat data on the backend may be temporarily cached; contact us to request deletion

Data Export

The App provides a data export feature that allows you to:

Export your financial data in JSON format
Share or backup your data
Transfer data between devices
Maintain your own copies of your financial records

Children's Privacy

No Broke is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

Changes to Financial Data

You have complete control over your data:

Edit: Modify any transaction, account, or budget information
Delete: Remove any data you no longer want to keep
Export: Download all your data at any time
Categories: Customize transaction categories and labels

You have the right to:

Access: View all data stored within the app
Correction: Edit any incorrect information
Deletion: Delete your data at any time
Portability: Export your data in a machine-readable format
Opt-out: Disable AI chat features and use the app offline

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be reflected in the "Last Updated" date at the top of this policy. Continued use of the App after changes constitutes acceptance of the updated policy. Significant changes will be communicated through:

In-app notifications
Update notes in app stores
Prominent notice on first app launch after update

Open Source and Transparency

The AI chat backend is open source: https://github.com/Pavel401/Your-Finance-Bro--Agent
You can review how your data is processed by examining the backend code
You can self-host the backend and configure the app to use your own server

Compliance

This Privacy Policy is designed to comply with:

General Data Protection Regulation (GDPR)
California Consumer Privacy Act (CCPA)
India's Information Technology Act and Digital Personal Data Protection Act (DPDPA)
Other applicable data protection laws

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your data:

Email: [pavelalam401@gmail.com] GitHub Issues: https://github.com/Pavel401/nobroke/issues Backend Issues: https://github.com/Pavel401/Your-Finance-Bro--Agent/issues

Response Time: We aim to respond to all privacy-related inquiries within 7 business days.

Consent

By using No Broke, you consent to:

The collection and processing of your data as described in this Privacy Policy
The use of SMS reading permissions for transaction parsing
The use of camera and storage permissions for receipt management
The transmission of financial data to AI backend services when using chat features

You can withdraw consent at any time by:

Revoking permissions in your device settings
Disabling specific features within the app
Uninstalling the app

Thank you for trusting No Broke with your financial data. Your privacy is our priority.

Nobroke