Privacy Policy 

Effective Date: February 2026 Last Updated: February 2026

1. Introduction: Welcome to VyneraFlow. We value your privacy and are committed to protecting your personal data. This Privacy Policy explains how VyneraFlow handles your information. Unlike many other finance apps, VyneraFlow is designed with a "Privacy-First" approach, meaning your sensitive financial data stays under your control.

2. Data Collection and Storage: VyneraFlow does not collect your personal or financial data on our own servers. All your financial transaction data is stored locally on your device only. This includes:

• Transaction amounts

• Expense categories

• Dates and times of transactions

• Account identifiers

3. SMS Notification Monitoring: If you grant the necessary permissions, the app monitors incoming notifications from SMS applications to automatically record your expenses locally.

• On-Device Processing: This process happens entirely on your device.

• No External Transmission: Notification content never leaves your phone and is not uploaded to any external servers.

• Scope: We do not monitor notifications from banking or UPI apps directly; only transaction alerts received via SMS are processed for the purpose of expense tracking.

4. Cloud Backup (Google Drive): VyneraFlow offers an optional backup feature using Google Drive.

• Encryption: When you use this feature, your transaction data is encrypted and stored in your private Google Drive account.

• Access: We do not have access to your Google account or the data stored within your Drive.

• Data Transfer: This is the only instance where data leaves your device, and it is sent directly to your own secure cloud storage.

5. Data Security: We prioritize the security of your financial information:

• App Lock: We provide an App Lock feature (Biometric/PIN) to secure your data within the app.

• Private Database: Your financial information is stored in a private local database that is not accessible to other applications on your device.

6. Third-Party Services: The only third-party services utilized by VyneraFlow are:

• Google Sign-In: For authentication purposes.

• Google Drive API: For the optional backup and restore functionality. No data is shared with any other third parties, advertisers, or our own servers.

7. User Rights and Control: You have full control over your data. You can:

• Delete individual transactions.

• Clear all local data.

• Export or delete your backup via the "Backup & Data" settings.

8. Children’s Privacy: VyneraFlow does not knowingly collect any information from children under the age of 13. Since all data is stored locally, we do not have a way to identify the age of our users.

9. Changes to This Policy: We may update our Privacy Policy from time to time. We will notify you of any changes by updating the "Last Updated" date at the top of this policy.

10. Contact Us: If you have any questions or suggestions about this Privacy Policy, do not hesitate to contact us at: [vyneraflow.app@gmail.com]