Effective date: 2026-08-19
This Privacy Policy explains how the Capital Flow application ("the App") handles information. By using the App, you agree to the practices described here.
Information We Collect
The App may collect limited technical information, such as your device's IP address, the screens you view, the date and time of access, the time spent in the App, and your mobile operating system. Your transactions, accounts, categories and budgets are stored locally on your device.
The App and any third-party components it uses may rely on cookies, SDKs, pixels or similar technologies for core functionality, analytics and service delivery. Where required by applicable law, consent is requested before non-essential tracking technologies are used.
Not Financial Advice
Capital Flow is a personal budgeting and expense-tracking tool. It does not constitute investment, tax, legal or financial advice, and any figures shown are for personal tracking only.
How Information Is Used
Collected information is used to operate, maintain, secure and improve the App, and to understand how features are used. Only aggregated, anonymized data may be shared with service providers that help operate the App.
Third-Party Services
The App may use third-party services (for example, app-store services, advertising and analytics providers) that have their own privacy policies. Information may be disclosed where required by law, to protect rights or safety, or to trusted service providers bound by confidentiality obligations.
International Data Transfers
Where information is transferred to countries outside your country of residence, appropriate safeguards are applied where required by applicable law.
Data Retention
- User-provided data: retained for the duration of use and a reasonable period afterwards.
- Automatically collected data: retained for a limited period after collection.
- Aggregated and anonymized data: may be retained indefinitely.
- Data required for legal compliance: retained as long as the law requires.
Your Rights
Depending on your jurisdiction, you may have the right to access, correct or delete your personal data, to object to or restrict certain processing, and to withdraw consent. You can also stop further collection at any time by uninstalling the App. Requests can be made through the support or settings options provided within the App.
Children
The App is not intended for children under 16. It does not knowingly collect personal information from children under 16, and any such data discovered will be deleted.
Security & Breach Notification
Reasonable physical, electronic and procedural safeguards are used to protect information. If a data breach affects your personal data, you will be notified in line with applicable legal requirements.
Changes to This Policy
This Privacy Policy may be updated from time to time. Material changes will be posted within the App together with a new effective date. Continued use of the App after changes take effect constitutes acceptance of the updated policy.
Contact
For any questions about this Privacy Policy or your data, please use the contact or support option provided within the App.