Welcome to My Financial Notes.
My Financial Notes ("the App", "we", "our", or "us") is a personal finance application designed to help individuals record, organize, review, and better understand their financial activities. The App may include features such as transaction recording, account tracking, budget planning, financial reports, recurring transactions, merchant recognition, location tagging, voice input, and automated financial insights.
Your privacy is important to us. This Privacy Policy explains what information may be collected, how it may be used, how it is stored, how it is protected, and what choices you have when using the App.
By downloading, installing, accessing, or using My Financial Notes, you agree to the practices described in this Privacy Policy. If you do not agree with this Privacy Policy, you should discontinue use of the App.
My Financial Notes may store information that you voluntarily enter into the App, including but not limited to:
This information is used to provide the core functionality of the App, including organizing your financial records, generating reports, showing summaries, helping you manage budgets, and improving your experience within the App.
The App allows you to record personal financial information manually. This may include income, expenses, account balances, transaction notes, and other finance-related records.
My Financial Notes does not directly connect to your bank account unless a future feature clearly states otherwise and requires your explicit permission.
The App cannot move money, initiate payments, withdraw funds, transfer funds, or perform any banking transaction on your behalf.
You are responsible for ensuring that the information entered into the App is accurate and up to date.
My Financial Notes is designed with a local-first approach. Most information entered into the App is stored locally on your device.
This means your financial records are generally kept on your own device and are not automatically sent to our servers.
If you delete the App, reset your device, or lose access to your device, your locally stored data may be lost unless you have created a backup through available backup options.
The App may include backup, restore, export, or cloud-related features.
If you choose to use backup or cloud functionality, your data may be stored using Apple iCloud or other supported storage services, depending on the feature used.
Use of such services may be subject to the privacy policies and terms of Apple or other third-party providers.
You are responsible for managing your own backup settings, storage availability, and account access.
If you allow location access, the App may use location information to help tag transactions, identify merchant locations, improve transaction records, or support location-based features.
Location access is optional. You can disable location access at any time through your device settings.
The App does not use location information to track you continuously in the background unless a specific feature clearly requests permission and is enabled by you.
The App may provide voice input features to help you create transactions or notes more conveniently.
When you use voice input, your voice may be processed by Apple Speech Recognition or other platform services provided by your device operating system.
We do not store voice recordings on our own servers.
Speech recognition results may be used only to create or assist with transaction entry inside the App.
If the App provides Sign In with Apple and you choose to use it, we may receive limited information from Apple, such as:
This information may be used to identify your account, improve account-related features, and provide support.
If the App offers paid subscriptions or premium features, purchases are processed by Apple through the App Store.
We do not receive or store your full credit card number, debit card number, banking password, or Apple ID password.
Subscription management, billing, renewal, cancellation, refunds, and payment processing are handled by Apple according to Apple App Store policies.
The App may store preferences and settings selected by you, such as default currency, security settings, premium status, selected categories, display preferences, or other app configuration data.
This information is used to personalize and operate the App.
The App may include automated features such as category suggestions, merchant recognition, budget recommendations, spending insights, financial summaries, or other AI-assisted functionality.
These features are provided for convenience and informational purposes only.
AI-generated or automated recommendations may not always be accurate, complete, or suitable for your personal financial situation.
The App does not provide financial, investment, accounting, tax, legal, or professional advice.
You should review all recommendations carefully and make your own decisions.
Information stored or processed by the App may be used to:
We do not sell your personal financial data.
We do not rent your personal financial data.
We do not share your financial records with advertisers for marketing purposes.
We may disclose information only when required by law, regulation, legal process, or enforceable governmental request.
The App may rely on third-party services or platform services, including but not limited to:
Use of these services may be governed by the privacy policies and terms of those providers.
We take reasonable measures to protect information stored within the App.
However, no electronic storage system, mobile device, cloud service, or transmission method can be guaranteed to be completely secure.
You are encouraged to protect your device with a passcode, Face ID, Touch ID, or other available security features.
You should also keep your device operating system updated and avoid sharing your device credentials with others.
Because most information is stored locally, you may be able to manage, edit, export, or delete your data directly within the App.
You may also remove data by deleting records, clearing app data where supported, or uninstalling the App.
Please note that deleting the App may permanently remove locally stored information if no backup exists.
Information stored locally remains on your device unless you delete it, uninstall the App, reset your device, or remove it through available App features.
If cloud or backup features are used, data retention may depend on the policies of the cloud provider and your own backup settings.
My Financial Notes is not intended for children under the age of 13.
We do not knowingly collect personal information from children under 13.
If you believe a child has provided personal information through the App, please contact us.
If you use the App outside the country where it is developed or operated, you understand that data processing and third-party service usage may be subject to different laws depending on your location and the services you choose to enable.
We may update this Privacy Policy from time to time.
When changes are made, the updated version may be made available within the App, on our website, or through another appropriate method.
Continued use of the App after changes are posted means you accept the updated Privacy Policy.
If you have questions, concerns, or requests regarding this Privacy Policy, you may contact us at:
synera@myfinancialnotes.app