Privacy Policy

Welcome to Jinmo, your smart expense tracking application. We are deeply committed to protecting your privacy while delivering a seamless and secure financial management experience.

                Privacy-First Commitment: Jinmo explicitly does NOT collect, store, or
                process sensitive banking information such as passwords, PINs, or OTPs.
            

1. Information We Collect

Personal Information

Name
Email address
Phone number (optional)

Usage & Technical Data

Device information (model, operating system)
App usage behavior and preferences
Log data (IP address, timestamps, crash reports)

Transaction Data

Transaction-related SMS messages and notifications
Sender details (bank or service name)
Transaction amounts and dates

                We use the TransactionDetectionService solely to automatically parse incoming
                SMS/notifications for expense tracking.
                No banking credentials, PINs, or OTPs are ever collected or stored.
            

2. How We Use Your Information

To automatically detect and categorize your expenses
To generate insightful dashboards and spending trends
To personalize your experience and improve the app
To maintain security and prevent fraudulent activity

3. Data Sharing

We do not sell your personal data to any third parties.

We may share limited information only when necessary:

With trusted service providers (cloud hosting, analytics) under strict data protection agreements
When required by applicable law or regulatory authorities
For security, fraud prevention, and technical support purposes

4. Data Security

We implement industry-leading security practices, including data encryption both in transit and at rest, to protect your information.

5. Data Retention

Your data is retained only as long as necessary to provide the service. You may request deletion of your data at any time.

6. Your Rights

Access, update, or delete your personal data
Withdraw consent for data processing
Request data portability
Opt-out of non-essential data collection

7. App Permissions

SMS / Notification Access: Required to enable automated transaction detection using TransactionDetectionService.

Storage: To save reports and local backups.

Internet: For optional cloud synchronization and updates.

8. Third-Party Services

We may integrate services such as Firebase for analytics and notifications. These third parties have their own privacy policies.

9. Children's Privacy

Jinmo is not intended for children under the age of 13.

10. Changes to This Policy

We may occasionally update this Privacy Policy. Any changes will be posted here with the updated effective date.

11. Contact Us

If you have any questions or concerns regarding this Privacy Policy, please feel free to contact us:

Email: seijinmo@gmail.com