Privacy Policy

1. Who we are

Finora is a personal finance productivity app that provides financial calculators (for example loan, mortgage, investment, savings, debt, and related tools), preferences for language / country / currency / theme, calculation history, reports, goals, reminders, optional AI assistance, and optional premium features.

For privacy questions, support, and help, contact us at emi.business82@gmail.com.

2. Privacy summary

• Core calculations run on your device. Calculator math and most preferences are designed to work locally.
• We do not sell your personal information.
• You control notifications and can change preferences in the app settings.
• Optional / future services (analytics, crash reporting, cloud backup, AI, subscriptions, ads) are described below and apply only when those features are enabled in a released version of the app.
• Finora is not a bank, lender, or financial adviser. Results are estimates for educational / planning use.

3. Information we collect

Depending on how you use Finora and which features are enabled in your installed version, we may process the categories below.

3.1 Information you provide

• Calculator inputs you enter (for example loan amounts, interest rates, terms, contribution amounts). These are used to compute results on your device.
• Preferences such as language, country, currency, theme, and notification settings.
• App content you create such as saved calculations, favorites, goals, reminders, and exported reports (when those features are available).
• Support messages you send to emi.business82@gmail.com (email address and message content).
• Account details (if / when sign-in is offered): such as email or authentication identifiers needed to operate your account.

3.2 Information collected automatically

• Device & app diagnostics (when crash / performance reporting is enabled): app version, device model, OS version, crash logs, and similar technical data to keep the app stable.
• Usage analytics (when analytics is enabled): approximate interaction events such as completing onboarding, opening a calculator, or viewing premium screens. We aim to avoid including sensitive personal content in analytics events.
• Purchase / subscription data (when in-app purchases are enabled): handled by Google Play Billing / Apple and related purchase platforms; we may receive entitlement status (for example whether Premium is active), not your full payment card number.
• Advertising identifiers (only if ads are shown in a free tier): may be processed by advertising SDKs subject to your consent / platform settings where required.

3.3 Data safety categories (Play Console mapping)

4. How we use information

• Provide financial calculators, history, reports, goals, and reminders
• Remember your language, country, currency, and appearance settings
• Send optional reminder / notification messages you enable
• Improve reliability (crash and performance diagnostics when enabled)
• Understand aggregated product usage (analytics when enabled)
• Operate Premium subscriptions and restore purchases when enabled
• Provide optional AI assistance features when you use them
• Respond to support and help requests
• Comply with law, enforce terms, and protect users and the service

5. App permissions

Finora may request the following permissions, only for the stated purposes:

• Notifications — payment / savings / goal reminders and important app alerts (you can decline or disable later in system settings).
• Internet / network — if cloud sync, AI, analytics, ads, or updates require connectivity.
• Billing — Google Play Billing for Premium purchases (when offered).

We do not request unnecessary permissions. If a future feature needs an additional permission, we will request it in context and update this policy.

6. Sharing & third parties

We do not sell personal information.

We may share information only as needed with:

• Service providers that help us operate the app (for example cloud hosting, analytics, crash reporting, messaging, or purchase validation) under appropriate agreements.
• Platform partners such as Google Play / Apple for distribution, billing, and store services.
• Advertising partners only if ads are enabled in your version of the app, subject to consent requirements where applicable.
• Legal / safety recipients when required by law or to protect rights, safety, and integrity.

When third-party SDKs are integrated, their processing is governed by their own privacy policies in addition to this one. We configure them for Finora’s purposes described above.

7. Storage, security & retention

• On-device storage: preferences and local calculation-related data may be stored on your device using secure local storage technologies.
• Cloud storage / backup: if you use optional cloud backup or sync (when available), data is transmitted using industry-standard encryption in transit (HTTPS/TLS).
• Security: we use reasonable administrative and technical safeguards. No method of transmission or storage is 100% secure.
• Retention: we keep information only as long as needed for the purposes above, to provide the app, comply with law, resolve disputes, or enforce agreements. Support emails are retained as needed to handle your request.
• Deletion: you may clear app data in your device settings, or request help deleting account/cloud data (when accounts exist) by emailing emi.business82@gmail.com.

8. Your choices & rights

• Change language, country, currency, theme, and notification preferences in Settings
• Disable notifications in the app and/or system settings
• Restore or manage purchases through the store / in-app restore (when Premium is offered)
• Opt out of personalized ads via your device / Play settings where available
• Request access, correction, or deletion of personal data we hold by contacting emi.business82@gmail.com

Depending on your location (for example EEA/UK or certain US states), you may have additional rights under applicable privacy laws. We will respond to verified requests within the time required by law.

9. Children’s privacy

Finora is intended for a general audience and is not directed to children under 13 (or the minimum age required in your country). We do not knowingly collect personal information from children. If you believe a child has provided personal information, contact emi.business82@gmail.com and we will take appropriate steps to delete it.

10. Financial information disclaimer

Finora provides calculators and planning tools for informational and educational purposes. Outputs are estimates based on the values you enter and are not financial, tax, investment, lending, or legal advice. We are not a bank, credit provider, broker, or fiduciary. Always verify important decisions with a qualified professional and your financial institution.

11. International users

If you use Finora from outside the country where our operators or service providers are located, your information may be processed in countries with different data-protection laws. Where required, we use appropriate safeguards for such transfers.

12. Changes to this policy

We may update this Privacy Policy to reflect product, legal, or operational changes. The “Last updated” date at the top will change when we do. Material updates may also be communicated in the app or on this page. Continued use after an update means you acknowledge the revised policy.

13. Contact / support / help

For privacy questions, support, help, data requests, or policy concerns, contact us using the same address for both support and help:

Developer / app: Finora · Package ID: com.finorafinanceapp