Effective Date: June 25, 2026
Finzo ("we", "our", or "the app") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how Finzo collects, uses, stores, processes, and protects user data.
Finzo requests access to SMS messages only after obtaining your explicit consent through an in-app disclosure and Android permission request.
The app accesses and processes only financial transaction-related SMS messages, including:
Bank transaction alerts
UPI payment messages
Debit card transaction messages
Credit card transaction messages
Financial account activity
SMS access is used solely to provide:
Automatic expense tracking
Income detection
Transaction categorization
Financial summaries
Spending analytics
Core app functionality
All SMS processing is performed locally on your device using rule-based parsing. Financial SMS content is not transmitted to external AI services or cloud-based processing systems.
The app does not process or use:
Personal conversations
OTP messages
Authentication codes
Promotional SMS
Non-financial SMS messages
Finzo may request Notification Access permission to detect financial transaction notifications from supported:
Banking applications
UPI applications
Payment applications
Financial service providers
Notification access is used only for:
Automatic transaction detection
Expense tracking
Income tracking
Transaction categorization
Financial insights
The app does not process:
Personal chat notifications
Social media notifications
Email notifications
Non-financial notifications
Personal communications
Only financial transaction notifications required for expense tracking are processed.
When you sign in using Google Sign-In, Finzo may access:
Email address
Google account identifier
This information is used only for:
Authentication
Account management
Secure cloud synchronization
Where supported, users may also use guest access.
Users may optionally upload a profile image for personalization.
Profile images are not publicly shared.
The app and integrated services may collect limited device-related information, including:
Device identifiers
Advertising ID
Crash reports
Performance diagnostics
This information is used only for:
App stability
Security
Performance monitoring
Advertising services
Transaction-related SMS messages and financial notifications are processed locally on your device using built-in parsing logic.
Finzo does not send your SMS messages or financial notifications to external AI services or cloud-based transaction analysis services.
Only data required for synchronization between your devices may be stored securely in your cloud account after authentication.
Information is used only to:
Automatically detect financial transactions
Track expenses and income
Generate financial summaries and insights
Synchronize your data
Improve app functionality
Maintain security and reliability
We do not sell your personal information.
Finzo may display advertisements using third-party advertising providers such as Google AdMob.
Advertising providers may collect:
Advertising ID
Device identifiers
App interaction data
Approximate location information
This information may be used to display personalized or non-personalized advertisements.
For more information, visit:
https://policies.google.com/technologies/ads
We implement reasonable technical and organizational measures to protect your information against unauthorized access, disclosure, alteration, or misuse.
Financial transaction information is processed securely and used only for providing expense tracking and budgeting features.
Although we strive to protect your information, no method of electronic storage or transmission is completely secure.
Finzo does not sell, rent, or trade personal information.
Information may be shared only:
With service providers necessary to operate the app
To synchronize user data across devices
When required by law
To comply with legal obligations
To prevent fraud or protect users
Finzo does not share SMS messages or financial transaction content with third-party AI services.
You may:
Disable SMS permission through Android Settings
Disable Notification Access
Delete your account
Delete your app data
Stop using the app at any time
Disabling required permissions may prevent automatic transaction detection. Manual transaction entry remains available where supported.
You may request deletion of your account and associated cloud data by contacting:
Email: hbpraveen311@gmail.com
Deletion requests are generally processed within 7 days, except where information must be retained to comply with legal obligations or prevent fraud.
Finzo is not intended for children under 13 years of age.
We do not knowingly collect personal information from children under 13.
We may update this Privacy Policy from time to time.
Any changes will be reflected on this page with an updated effective date.
If you have any questions about this Privacy Policy, please contact:
Email: hbpraveen311@gmail.com