Last Updated: July 15, 2025
This Privacy Policy explains how your information is collected, used, and shared when you use the Financial Coach app on Android or iOS. The App is available worldwide and complies with applicable international data protection laws, including the GDPR and CCPA.
By using the app, you agree to the collection and use of information as described in this policy.
3. Data We Collect
We do not collect personal data directly within the App. However, certain information may be collected automatically via trusted third-party services
3.1. Information You Directly Provide to Us
Email Address: If you use the "Contact Us" feature within the App, it will direct you to your device's mail application. If you choose to send an email to us, we will receive your email address and any information you choose to include in your message. We use this information solely to respond to your inquiry and communicate with you.
3.2. Information Automatically Collected
We use third-party services that may automatically collect certain information about your device and how you interact with the App. This information is generally aggregated and does not directly identify you.
Approximate Location Data: Through Google Analytics, approximate location data may be collected to understand general user demographics and trends (e.g., country or city-level data). This data is not precise and cannot pinpoint your exact whereabouts.
Device Data: Through Google Analytics, Firebase, and Crashlytics, we may collect information about your device, such as:
Device model
Operating system version
Unique device identifiers (e.g., Advertising ID)
IP address
Crash logs and diagnostic data related to App performance.
Usage Data: Information about how you interact with the App, such as:
Features accessed within the App
Duration of sessions
Content viewed (e.g., which quotes or statements are popular)
In-app purchase activity (handled by Google Play Billing and Apple In-App Purchases, with limited transaction details shared with us for fulfillment purposes).
Crash Logs: Crashlytics collects crash and performance data to help fix bugs.
Advertising Identifiers: AdMob may collect data to display personalized or non-personalized ads.
3.3. Sensitive Information
We do not collect any sensitive personal data, such as health information, financial account numbers (beyond transaction details handled by payment processors), or biometric data (e.g., fingerprints for identification within the App itself). Your fingerprint for device unlock is a device-level security feature and not data we collect.
3.4. User-Generated Content
The App does not allow users to upload or submit content such as photos, text, or messages.
3.5. Authentication
The App does not require any login methods (e.g., email/password, Google Sign-In, Apple ID, Facebook login).
3.6. Push Notifications
The App may offer push notifications. You can choose to enable or disable these notifications through your device settings. We do not use push notifications to collect personal data from you.
4. How We Use Your Information
We use the collected information for the following purposes:
To Provide and Maintain the App: To deliver the core functionality of the App.
To Respond to Your Inquiries: To respond to emails sent through the "Contact Us" feature.
To Improve and Optimize the App: To understand how users interact with the App, identify areas for improvement, troubleshoot issues, and enhance the user experience.
For Analytics and Performance Monitoring: To analyze usage trends, measure the effectiveness of our content, and monitor App stability and crash rates.
For Advertising: To display advertisements through AdMob, which may be personalized based on your device data and usage patterns as determined by AdMob's policies.
To Process Payments: To facilitate in-app purchases of premium content through Google Play Billing and Apple In-App Purchases.
To Comply with Legal Obligations: To meet any applicable legal or regulatory requirements.
5. Data Sharing and Third-Party Services
We do not explicitly share your personal data with any third parties beyond what is necessary for the functioning of the App and the standard data processing agreements of the third-party services listed below.
We utilize the following third-party services, each of which has its own privacy policy governing how they handle data. We encourage you to review their respective privacy policies for more details:
Google Analytics / Firebase: Used for analytics, crash reporting, and understanding user behavior.
AdMob (Google): Used for displaying advertisements within the App.
AdMob Policies: https://support.google.com/admob/answer/6128543?hl
Crashlytics (Google Firebase): Used for crash reporting and stability monitoring.
Google Play Billing (for Android In-App Purchases): Handles payment processing for purchases made on Android devices.
Google Privacy Policy: https://policies.google.com/privacy
Apple In-App Purchases (for iOS In-App Purchases): Handles payment processing for purchases made on iOS devices.
Apple Privacy Policy: https://www.apple.com/legal/privacy/
6. Data Storage and Security
Data Storage:
Any email addresses received through the "Contact Us" feature are stored solely within our email service provider.
Data collected by third-party services (Google Analytics, Firebase, AdMob, Crashlytics, Google Play Billing, Apple In-App Purchases) is stored by those respective providers in accordance with their own data storage and security practices. We do not store this data on our own servers.
Data Security: We implement reasonable technical and organizational measures to protect the information we directly control (e.g., your email when you contact us). Specifically, access to our email service is secured on our personal device with a fingerprint. For data handled by third-party services, we rely on their robust security measures as outlined in their privacy policies. However, please be aware that no method of transmission over the Internet or method of electronic storage is 100% secure.
7. Data Retention
Email Communications: We retain email communications received via the "Contact Us" feature for as long as necessary to fulfill the purpose for which they were collected (e.g., to resolve your query) or until you request their deletion, whichever comes first.
Automatically Collected Data: Data collected by third-party services (Google Analytics, Firebase, AdMob, Crashlytics) is retained in accordance with their respective data retention policies. We do not have direct control over their retention periods.
8. Your Rights
Depending on your location and applicable data protection laws, you may have the following rights regarding your personal data:
Right to access your personal data: You have the right to request access to the personal data we hold about you.
Right to rectify inaccurate data: You have the right to request that we correct any inaccurate or incomplete personal data we hold about you.
Right to erase your data (“right to be forgotten”): You have the right to request the deletion of your personal data we hold, under certain conditions.
Right to Object: You have the right to object to the processing of your personal data under certain circumstances.
Right to Restrict Processing: You have the right to request that we restrict the processing of your personal data under certain conditions.
To exercise any of these rights concerning the data we directly control (i.e., your email address from "Contact Us"), please contact us at fincoach@vnlab-apps.org. When you send an email request, we will take reasonable steps to verify your identity before processing your request.
9. Children's Privacy
The "Financial Coach" app is not intended for children under the age of 13. We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you believe that your child has provided us with personal information, please contact us at fincoach@vnlab-apps.org, and we will take steps to remove that information from our records.
10. General Data Protection Regulation (GDPR) for EU Residents
If you are a resident of the European Economic Area (EEA) or the United Kingdom, you have certain data protection rights under the GDPR. We process your personal data based on the following legal grounds:
Consent: Where you have given explicit consent for specific processing activities (e.g., agreeing to push notifications).
Legitimate Interests: Where processing is necessary for our legitimate interests and not overridden by your data protection rights (e.g., for App improvement, analytics, and non-intrusive advertising).
Contractual Necessity: Where processing is necessary for the performance of a contract with you (e.g., to provide you with access to premium content you have purchased).
Legal Obligation: Where processing is necessary for compliance with a legal obligation.
In addition to the rights mentioned in Section 8, under GDPR, you also have the right to:
Right to Data Portability: The right to receive a copy of your personal data in a structured, commonly used, and machine-readable format.
Right to Withdraw Consent: Where we rely on your consent to process your personal data, you have the right to withdraw that consent at any time. This will not affect the lawfulness of any processing carried out before you withdraw your consent.
Right to Lodge a Complaint: You have the right to lodge a complaint with a supervisory authority concerning our collection and use of your personal data. For more information, please contact your local data protection authority in the EEA or the Information Commissioner's Office (ICO) in the UK.
11. California Consumer Privacy Act (CCPA) for California Residents
If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).
Right to Know: You have the right to request that we disclose to you the categories of personal information we have collected about you, the categories of sources from which the personal information is collected, the business or commercial purpose for collecting, selling, or sharing personal information, the categories of third parties to whom we disclose personal information, and the specific pieces of personal information we have collected about you.
Right to Delete: You have the right to request the deletion of your personal information collected by us, subject to certain exceptions.
Right to Opt-Out of Sale/Sharing: We do not "sell" your personal information in the traditional sense. However, the sharing of certain data with third-party advertising partners (like AdMob) for cross-context behavioral advertising may be considered "sharing" under CCPA. We rely on the opt-out mechanisms provided by your device settings (e.g., "Limit Ad Tracking" on iOS or "Opt out of Ads Personalization" on Android) and the settings within Google and Apple services.
Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.
Right to Correct: You have the right to request that we correct inaccurate personal information about you.
Right to Limit Use and Disclosure of Sensitive Personal Information: As noted, we do not collect sensitive personal information.
To exercise any of these CCPA rights regarding the data we directly control (i.e., your email address from "Contact Us"), please contact us at fincoach@vnlab-apps.org. We will respond to your request within the timeframes required by CCPA.
12. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
13. Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us at: fincoach@vnlab-apps.org