FinKel (the “App”) is developed and operated by Mahas Dev (“we”, “us”). This policy explains what data we collect, how we use it, and your rights. Your financial privacy is our priority.

Core principle: your data stays on your device. On the Free and Starter plans, all of your financial records are stored locally on your device only and are never sent to our servers. Cloud sync is only active if you subscribe to the Pro plan and sign in.

1. Data we process

a. Account data (optional)

If you create an account or sign in, we process: your email address, display name, and account identifiers. You can sign in with email, a Google account, or Apple ID. We never store passwords in plain text; authentication is handled by identity providers (Supabase Auth, Google, Apple).

b. Financial data you enter

The App stores the data you record yourself, including: transactions (income/expense/transfer, amounts, categories, notes, merchant names), wallets/accounts & balances, debts & receivables, budgets, savings goals, bills, contacts (names and phone numbers if you add them), and — on the Pro plan — shared-book members, split bills, and accounting journals.

c. Receipt images

When you scan a receipt, the image is processed to recognize text. Text recognition (OCR) runs entirely on-device using Google ML Kit — receipt images are never sent to any server. Images are stored as local files. (For Pro users with sync enabled, images may be uploaded to your own account storage for cross-device sync — see section 3.)

d. Preferences & device data

Display preferences (theme, color palette, language, currency), the app-lock PIN/biometrics (stored in the device’s secure storage, never synced), and anonymous crash diagnostics.

e. AI Assistant feature (optional)

FinKel offers an optional “Assistant” feature powered by Google’s artificial-intelligence service (the Gemini API). It only runs when you open it, are signed in, and accept the in-app notice.

• When logging a transaction, only the sentence you type or speak is sent — simple sentences are processed on-device without being sent at all. For receipts, only the on-device OCR text is sent; the photo is never uploaded.
• When asking about your finances, a numeric summary is included (balances, budgets, goals, bills, total debts/receivables). Individual transactions, merchant names, contact names, identity, and location are never sent.
• When submitting a report/feedback (Reports & feedback), the report text is processed by the same AI service to generate a clearly labeled automatic interim reply; the developer still reads and replies personally.

Assistant conversation history is stored on your device only (you can delete it any time via the delete icon; it is also removed when you sign out) — when you ask a question, only the last few turns are sent, never the full history. We use a paid service that, per Google’s terms, does not use request data to train models.

2. How we use data

• To provide the App’s core functions (recording & displaying your finances).
• To sync your data across your devices (Pro only).
• To manage shared books and send reminders to family members (Pro only).
• To send local notifications (bill and budget reminders) — processed on-device.
• To manage subscriptions and entitlements through RevenueCat.
• To show ads on the Free plan, and to improve app stability through anonymous crash reports.

We do not sell your personal data to third parties.

3. Storage & cloud sync

Free & Starter: all financial data is stored locally (an SQLite database on your device). No financial data leaves the device. Authentication (sign-in) may be active for identity/plan upgrades, but financial data is still not synced.

Pro: if you subscribe to Pro and sign in, your data is synced to Supabase (database & file storage) so it can be accessed on up to 5 devices and shared with shared-book members you invite. Access is restricted by Row-Level Security, so you can only see your own data or shared books you are a member of.

4. Third-party services

The App uses the following services. Each has its own privacy policy.

Service	Purpose	Data
Supabase	Authentication & cloud sync (Pro)	Email, session tokens, financial data (Pro)
RevenueCat	Subscription management	User identifier, purchase status
Google ML Kit	Receipt OCR (on-device)	Images processed locally, never uploaded
Google Gemini API	AI Assistant & automatic report replies (optional)	Only the text described in section 1e; no identity; not used to train models
Firebase Cloud Messaging	Push notifications between members (Pro)	Device token, notification content
Firebase Crashlytics	Crash reporting	Error traces, device info (anonymous)
Google Mobile Ads (AdMob)	Ads on the Free plan	Advertising identifier, impression data
Google / Apple Sign-In	Sign-in	Account identity, tokens
Apple App Store / Google Play	Subscription payment processing	Handled by Apple/Google

5. Advertising

The Free plan shows ads through Google AdMob. By default, ads are non-personalized. On iOS, personalized ads are only enabled if you grant tracking permission (App Tracking Transparency); you may decline without losing any functionality. The Starter and Pro plans are ad-free.

6. Device permissions

• Camera — scanning receipts (OCR).
• Gallery/Photos — choosing receipts and saving report exports.
• Face ID / fingerprint (biometrics) — unlocking the app; processed on-device.
• Notifications — bill, budget, and member reminders.
• Ad tracking permission (iOS) — optional, for more relevant ads.

7. Data storage & retention

Local data is kept for as long as the App is installed; deleting the App deletes all local data. Cloud data (Pro) is kept while your account is active. You can delete your account & all data directly from inside the App (Settings → Privacy & security → Delete account) or by contacting us — full steps on the Delete Account page.

8. Your rights

You have the right to access, correct, export (CSV/PDF from within the App), and delete your data, and to revoke device permissions at any time through system settings. For data-related requests, contact info@mahasdev.com.

9. Security

We apply reasonable technical measures: encrypted on-device storage for credentials, TLS transport for sync, an optional biometric app lock, and Row-Level Security on the cloud database. No system is entirely risk-free, but we work hard to protect your data.

10. Children

FinKel is not intended for children under 13. We do not knowingly collect data from children.

11. Changes to this policy

We may update this policy. Significant changes will be announced through the App or this page, with the “last updated” date adjusted accordingly.

12. Contact

Mahas Dev — info@mahasdev.com

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Terms of Service

By downloading or using FinKel, you agree to these Terms of Service. Please read them carefully.

1. About the service

FinKel is a personal and family finance-tracking app. It is a record-keeping tool — not a banking service, financial institution, investment advisor, or tax advisor. Financial decisions are entirely your responsibility.

2. Accounts

You can use the basic features without an account. Sync and shared books (Pro) require an account. You are responsible for keeping your credentials confidential and for all activity on your account.

3. Plans & pricing

Plan	Monthly	Yearly	Includes
Free	Free	—	Basic tracking (with ads), local only
Starter	$0.99	$8.99	Full personal features (debts, budgets, goals, bills, OCR, CSV), ad-free, still local
Pro	$2.99	$29.99	Cloud sync (up to 5 devices), family shared book (5 members), split bills, double-entry accounting

Prices are shown in USD; actual prices may differ by region and currency as displayed by the App Store / Google Play, and may change at any time. The applicable price is always shown in the App before purchase.

4. Subscriptions, billing & auto-renewal

Starter and Pro are paid, auto-renewing subscriptions. Payment is charged to your App Store (iOS) or Google Play (Android) account at confirmation of purchase.

Subscription terms (Apple standard, iOS):

• Payment will be charged to your Apple ID account at confirmation of purchase.
• The subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period.
• Your account will be charged for renewal within 24 hours prior to the end of the current period, at the rate of the selected plan.
• You can manage your subscription and turn off auto-renewal in your App Store Account Settings after purchase.
• Any unused portion of a free trial period (if offered) will be forfeited when you purchase a subscription.

Use of the subscription is subject to the Apple Standard End User License Agreement (EULA).

On Android, subscriptions are managed through Google Play; manage or cancel via Play Store → Subscriptions.

5. Cancellation & refunds

You can cancel at any time; access remains active until the end of the paid period and is not renewed afterward. Refunds are handled entirely by Apple or Google under each store’s policies — we do not process payments directly and therefore cannot issue refunds ourselves.

6. Acceptable use

• Use the App in accordance with applicable law.
• Do not reverse-engineer, disrupt, or abuse the service.
• You are responsible for the data you enter and for having permission to record other people’s data (e.g. contacts/members) in your books.

7. Your data & backups

On the Free/Starter plans, your data lives on your device; deleting the App removes that data. Use CSV/PDF export to back up. On Pro, data is synced to the cloud. You are responsible for keeping your own backups.

8. Intellectual property

The App, its design, the “FinKel” brand, and its content belong to Mahas Dev and are protected by law. The financial data you enter remains yours.

9. Disclaimer & limitation of liability

The App is provided “as is” without warranties of any kind. To the extent permitted by law, Mahas Dev is not liable for indirect damages, data loss, or financial decisions made based on information in the App. We do not guarantee the accuracy of calculations with respect to your legal/tax obligations.

10. Changes

We may update the App and these terms. Continued use after changes means you accept the updated terms.

11. Governing law

These terms are governed by the laws applicable at Mahas Dev’s place of establishment.

12. Contact

Mahas Dev — info@mahasdev.com

© 2026 Mahas Dev · FinKel