Privacy Policy for SalaryFlow

Last updated: September 3, 2026

SalaryFlow ("we", "our", or "the app") respects your privacy and is designed to help you manage your paycheck, daily cash flow, bills, debt, savings, and financial planning while keeping your personal financial information under your control.

This Privacy Policy explains how information is handled when you use SalaryFlow.

1. Information You Enter Into SalaryFlow

SalaryFlow allows you to manually enter financial information such as:

This information is primarily stored locally on your device.

SalaryFlow does not require you to create an account, connect a bank account, or provide online banking credentials.

We do not operate a server that receives or stores your manually entered financial records as part of the app's normal functionality.

2. Local Data Storage

SalaryFlow is designed as a local-first application.

Your budgeting and financial planning data is stored in the app's local storage on your device.

This may include:

Removing the app may remove locally stored application data unless you previously created a manual backup or your device platform provides another applicable storage mechanism.

3. Backup, Restore, and Export

SalaryFlow may allow you to manually:

These operations are initiated by you.

When you choose a destination using the Android system file picker, the selected file is stored in a location you authorize.

SalaryFlow does not automatically upload these files to our servers.

You are responsible for protecting exported or backup files after they leave the app.

4. Advertising

SalaryFlow uses Google AdMob, provided by Google LLC, to display advertisements.

Depending on your region, consent choices, device configuration, and applicable law, Google and its advertising partners may process information such as:

SalaryFlow may display:

Rewarded advertisements are optional and may be offered when you choose to access certain optional functionality, such as generating a report.

We do not intentionally send your manually entered salary, debt, bill, savings, transaction, or budget amounts to Google AdMob for advertising purposes.

Google's handling of information is governed by Google's own privacy policies and advertising policies.

More information about how Google uses information from apps that use its services is available at:

https://policies.google.com/technologies/partner-sites

5. Personalized and Non-Personalized Advertising

Advertising may be personalized or non-personalized depending on:

Where required, SalaryFlow uses Google's consent management technology to request and manage your privacy choices before eligible advertising requests are made.

You may be able to review or change applicable advertising privacy choices through the Ads & Privacy section of SalaryFlow when such options are made available by Google's consent system.

6. Google User Messaging Platform

SalaryFlow uses the Google User Messaging Platform (UMP) to manage privacy and advertising consent where required.

The consent form and available choices may differ depending on your country or region.

For example, users in the European Economic Area, United Kingdom, or other applicable jurisdictions may be shown additional consent options relating to advertising and personal data processing.

Advertising requests are only made when permitted by the applicable consent state and Google advertising configuration.

7. Advertising ID

The Google Mobile Ads SDK may use the Android Advertising ID when it is available and permitted.

The Advertising ID is a resettable identifier provided by Android for advertising-related purposes.

You may reset or delete your Advertising ID through your Android device settings where supported.

If the Advertising ID is deleted or unavailable, Google may use other permitted mechanisms for ad delivery, measurement, fraud prevention, and related functionality.

8. Notifications

SalaryFlow may send notifications for features such as:

On Android versions where notification permission is required, SalaryFlow requests permission before sending notifications.

Notification preferences can be changed within SalaryFlow or through your Android system settings.

Notification scheduling information is handled locally on your device.

9. Permissions

SalaryFlow requests only permissions needed for supported functionality.

Depending on your Android version and enabled features, these may include permissions related to:

SalaryFlow does not require access to your contacts, microphone, camera, precise GPS location, SMS messages, call history, or online banking credentials for its core budgeting functionality.

10. Financial Information

SalaryFlow is a personal budgeting and financial planning tool.

Your manually entered financial information is used locally to provide features such as:

We do not sell your manually entered personal financial records.

We do not intentionally use your detailed salary, transaction, debt, savings, or bill information for personalized advertising.

11. Analytics and Diagnostics

SalaryFlow itself is designed to minimize unnecessary collection of personal information.

However, integrated third-party services such as Google Mobile Ads may automatically process certain diagnostic, device, advertising, and interaction information necessary to provide, secure, measure, and improve their services.

The information processed by these third-party services is governed by their respective privacy policies.

12. Data Sharing

SalaryFlow does not operate a service that sells your manually entered budgeting information to third parties.

Certain technical information may be processed or shared with service providers such as Google when necessary to provide advertising, consent management, fraud prevention, diagnostics, measurement, or related functionality.

We recommend reviewing Google's Privacy Policy for further information:

https://policies.google.com/privacy

13. Data Retention

Financial records created within SalaryFlow remain stored locally until they are:

Data processed independently by third-party services such as Google may be retained according to those providers' own policies.

14. Data Security

We take reasonable steps within the design of SalaryFlow to reduce unnecessary exposure of your financial information.

The app is designed to:

However, no device, storage system, or electronic transmission method can be guaranteed to be completely secure.

You are responsible for maintaining the security of your device and any backup, CSV, or PDF files you export.

15. International Users

SalaryFlow is designed for users in multiple countries and supports multiple currencies and payday schedules.

Privacy, consent, and advertising requirements may differ depending on where you live.

Where required, third-party consent systems such as Google UMP may provide region-specific privacy choices.

16. European Economic Area and United Kingdom

For users in the European Economic Area and United Kingdom, Google may present consent options concerning the storage and processing of personal data for advertising purposes.

You may be able to:

SalaryFlow follows the consent status supplied by Google's consent management system before requesting eligible advertising.

17. United States Privacy Rights

Users in certain U.S. states may have privacy rights under applicable state laws.

Depending on eligibility and Google advertising configuration, privacy choices relating to personalized advertising, sale, sharing, or targeted advertising may be made available through Google's privacy mechanisms.

SalaryFlow does not sell your manually entered budgeting records.

18. Children's Privacy

SalaryFlow is intended as a general personal finance and budgeting application and is not specifically designed for children.

We do not knowingly operate SalaryFlow for the purpose of collecting personal information from children.

Parents or guardians who believe a child has provided personal information inappropriately may contact us using the email address below.

19. Third-Party Services

SalaryFlow may use third-party services including:

Google AdMob
Advertising and advertising measurement.

Google User Messaging Platform
Advertising privacy and consent management.

Google Play Services / Google Play
Platform services that may support application distribution, updates, reviews, advertising functionality, and related Android services.

These services are governed by their own terms and privacy policies.

20. Your Choices

Depending on your device, location, and app configuration, you may be able to:

21. Deleting Your Data

Because SalaryFlow is primarily local-first and does not require an account, most financial data can be removed directly from your device.

You may delete data by:

Before deleting application data, make sure you have created any backup you wish to retain.

22. No Financial Advice

SalaryFlow provides budgeting calculations, forecasts, summaries, and planning tools for informational purposes only.

SalaryFlow does not provide financial, investment, tax, accounting, lending, or legal advice.

Forecasts such as Salary Health, projected balances, spending pace, and other insights are estimates based on the information available inside the app and may not reflect future financial outcomes.

You remain responsible for your financial decisions.

23. Changes to This Privacy Policy

We may update this Privacy Policy when SalaryFlow changes, when third-party services change, or when legal or regulatory requirements require updates.

When changes are made, the "Last updated" date at the top of this Privacy Policy will be revised.

We encourage you to review this Privacy Policy periodically.

24. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or SalaryFlow's privacy practices, please contact:

SalaryFlow Support
Email: alkautsar.efendi@gmail.com