Privacy Policy

Last updated: November 11, 2024

Introduction

Welcome to Evinta. We are committed to protecting your privacy and ensuring the security of your financial information. This Privacy Policy explains how we collect, use, store, and protect your personal data when you use our budget tracking application.

Information We Collect

SMS Messages

Evinta requires permission to read SMS messages on your device to automatically track your financial transactions. We specifically read:

  • Bank transaction notifications
  • Payment confirmations
  • Account balance updates
  • Transaction alerts from financial institutions

Important: We only process SMS messages from known banking institutions and payment providers. Personal messages are never accessed or stored.

Financial Data

Through SMS analysis, we collect:

  • Transaction amounts
  • Merchant names
  • Transaction dates and times
  • Account information (last 4 digits)
  • Transaction categories

Device Information

We may collect:

  • Device model and operating system version
  • Unique device identifiers
  • App usage statistics
  • Crash reports and performance data

Account Information

If you create an account, we collect:

  • Email address
  • Name (optional)
  • Profile preferences
  • Budget settings

How We Use Your Information

We use your information to:

  1. Provide Budget Tracking Services: Automatically categorize and track your expenses from SMS notifications
  2. Generate Insights: Create spending reports, budget analysis, and financial recommendations
  3. Send Notifications: Alert you about budget limits, unusual spending, or important transactions
  4. Improve Our Service: Analyze app usage to enhance features and fix bugs
  5. Customer Support: Respond to your questions and provide technical assistance

Data Storage and Security

Local Storage

Your financial data is primarily stored locally on your device. This means:

  • Transaction data remains on your phone
  • You have full control over your data
  • Data is not automatically backed up to our servers

Cloud Storage (Optional)

If you enable cloud backup:

  • Data is encrypted before transmission
  • We use industry-standard encryption (AES-256)
  • Data is stored on secure cloud servers
  • You can delete your cloud data at any time

Security Measures

We implement multiple security layers:

  • End-to-end encryption for data transmission
  • Encrypted local storage
  • No storage of complete SMS message content
  • Regular security audits
  • Secure authentication protocols

SMS Permission Usage

What We Do

  • Read SMS messages only from banking institutions
  • Extract transaction details automatically
  • Delete processed SMS data from our systems
  • Process messages locally on your device

What We Don’t Do

  • Store complete SMS message content
  • Access personal or non-financial messages
  • Share SMS content with third parties
  • Use SMS data for advertising purposes

Data Sharing and Disclosure

We Do Not Sell Your Data

We never sell, rent, or trade your personal information to third parties.

Service Providers

We may share limited data with trusted service providers who help us operate our app:

  • Cloud hosting providers (if you enable cloud backup)
  • Analytics services (anonymized data only)
  • Customer support tools

All service providers are contractually obligated to protect your data and use it only for specified purposes.

We may disclose information if required by law:

  • To comply with legal processes or government requests
  • To protect our rights, property, or safety
  • To investigate fraud or security issues
  • With your explicit consent

Your Rights and Choices

You have the right to:

Access Your Data

Request a copy of all data we have collected about you.

Modify Your Data

Update or correct your account information at any time through the app settings.

Delete Your Data

You can delete your data in two ways:

  1. Delete Local Data: Uninstall the app to remove all local data
  2. Delete Cloud Data: Use the “Delete Account” feature in settings or contact us at [your-privacy-email@evinta.net]

Opt-Out of Data Collection

You can:

  • Revoke SMS permissions (app functionality will be limited)
  • Disable analytics tracking in settings
  • Opt-out of promotional communications

Data Portability

Request your data in a machine-readable format to transfer to another service.

Children’s Privacy

Evinta is not intended for users under 18 years of age. We do not knowingly collect information from children. If you believe a child has provided us with personal information, please contact us immediately.

Third-Party Services

Banking Institutions

We do not have direct access to your bank accounts. We only read publicly available SMS notifications sent by your bank.

Analytics Services

We may use third-party analytics tools (e.g., Google Analytics, Firebase) to understand app usage. These services may collect anonymized data according to their own privacy policies.

App Store Policies

Your use of Evinta is also subject to the privacy policies of:

  • Google Play Store (for Android users)
  • Apple App Store (for iOS users)

International Data Transfers

If you use Evinta outside [Your Country], your data may be transferred to and processed in countries where our servers are located. We ensure adequate protection through:

  • Standard contractual clauses
  • Privacy Shield frameworks (where applicable)
  • Equivalent data protection measures

Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will notify you of significant changes through:

  • In-app notifications
  • Email (if you have an account)
  • Prominent notice on our website

The “Last Updated” date at the top of this policy indicates when it was last revised.

Data Retention

We retain your data for as long as:

  • You continue to use the app
  • It is necessary to provide our services
  • Required by law

You can request data deletion at any time.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:

Email: [privacy@evinta.net]

Address: [Your Company Address]

Data Protection Officer: [DPO Contact Information, if applicable]

Compliance

This Privacy Policy complies with:

  • General Data Protection Regulation (GDPR) - European Union
  • California Consumer Privacy Act (CCPA) - United States
  • Personal Data Protection Act (PDPA) - Singapore
  • [Other applicable regulations based on your location]

Your Consent

By using Evinta, you consent to the collection and use of your information as described in this Privacy Policy. If you do not agree with any part of this policy, please do not use our app.