Privacy Policy
Privacy Policy for Finzo: Expense Tracker
Last Updated: October 7, 2026HyperNova Studio ("we", "us", "our") operates the Finzo: Expense Tracker mobile application ("Finzo", "the App").
This Privacy Policy explains how Finzo accesses, collects, uses, stores, shares, and protects information when you use our App.
By using Finzo, you acknowledge that you have read and understood this Privacy Policy.
1. Information We Collect
Finzo may process the following categories of information depending on the features you use.
1.1 Account and Authentication Information
If you sign in using Google Sign-In, Finzo may receive information provided by Google for authentication, such as:
- Google account identifier
- Name
- Email address
- Profile picture, if available
- Authentication-related information required to maintain your signed-in session
We use this information to:
- Create and manage your Finzo account
Finzo may process the following categories of information depending on the features you use.
1.1 Account and Authentication Information
If you sign in using Google Sign-In, Finzo may receive information provided by Google for authentication, such as:
- Google account identifier
- Name
- Email address
- Profile picture, if available
- Authentication-related information required to maintain your signed-in session
We use this information to:
- Create and manage your Finzo account
- Authenticate you securely
- Associate your account with your Finzo data
- Provide Google Drive backup and restore functionality
Maintain your signed-in session
Finzo does not receive or store your Google account password.
1.2 Financial Information Entered by You
Finzo allows you to enter financial information such as:
- Income and expenses
- Transaction amounts
- Transaction dates
- Transaction descriptions or notes
- Categories
- Payment methods
- Monthly budgets
- Savings goals
- Subscription information
- Recurring transactions
- EMI and loan information
- Emergency fund information
- Assets and liabilities
- Net worth information
- Financial calendar information
- Other information you voluntarily enter into the App
This information is used to provide the App's financial tracking, calculations, reports, analytics, budgeting, and related features.
Finzo does not sell your personal financial information.
- Associate your account with your Finzo data
- Provide Google Drive backup and restore functionality
Maintain your signed-in session
Finzo does not receive or store your Google account password.
1.2 Financial Information Entered by You
Finzo allows you to enter financial information such as:
- Income and expenses
- Transaction amounts
- Transaction dates
- Transaction descriptions or notes
- Categories
- Payment methods
- Monthly budgets
- Savings goals
- Subscription information
- Recurring transactions
- EMI and loan information
- Emergency fund information
- Assets and liabilities
- Net worth information
- Financial calendar information
- Other information you voluntarily enter into the App
This information is used to provide the App's financial tracking, calculations, reports, analytics, budgeting, and related features.
Finzo does not sell your personal financial information.
1.3 Receipt Images and Attachments
If you choose to attach a receipt or image to a transaction, Finzo may access and store the image you select.
Receipt images are used only to provide the receipt attachment functionality and to associate the image with your transaction.
You control which images you choose to upload or attach.
1.4 Device and Technical Information
Certain technical information may be processed automatically by the App or third-party services used by Finzo. This may include:
- IP address
- Device or advertising identifiers
- App/device information
- Operating system information
- App version
- Crash and diagnostic information
- Performance information
- General interaction information
- Information necessary for security, fraud prevention, and service operation
Some of this information may be collected by third-party services such as Google Mobile Ads and Firebase.
If you choose to attach a receipt or image to a transaction, Finzo may access and store the image you select.
Receipt images are used only to provide the receipt attachment functionality and to associate the image with your transaction.
You control which images you choose to upload or attach.
1.4 Device and Technical Information
Certain technical information may be processed automatically by the App or third-party services used by Finzo. This may include:
- IP address
- Device or advertising identifiers
- App/device information
- Operating system information
- App version
- Crash and diagnostic information
- Performance information
- General interaction information
- Information necessary for security, fraud prevention, and service operation
Some of this information may be collected by third-party services such as Google Mobile Ads and Firebase.
1.5 Advertising Information
Finzo is a free, advertising-supported application.
We use Google AdMob to display advertisements, including banner, interstitial, native, and
We use Google AdMob to display advertisements, including banner, interstitial, native, and
rewarded advertisements.
Depending on applicable settings, consent choices, device settings, and applicable laws, Google Mobile Ads may process information such as IP address, advertising ID, app interactions, diagnostic information, device/account identifiers, and advertising-related information.
Google states that its Mobile Ads SDK may automatically collect and share certain device and interaction information for advertising, analytics, and fraud-prevention purposes.
Advertising and consent behavior may vary depending on your location and privacy choices.
Depending on applicable settings, consent choices, device settings, and applicable laws, Google Mobile Ads may process information such as IP address, advertising ID, app interactions, diagnostic information, device/account identifiers, and advertising-related information.
Google states that its Mobile Ads SDK may automatically collect and share certain device and interaction information for advertising, analytics, and fraud-prevention purposes.
Advertising and consent behavior may vary depending on your location and privacy choices.
1.6 Consent and Privacy Preferences
Where required, Finzo may use Google's User Messaging Platform (UMP) or related consent mechanisms to obtain and manage advertising/privacy choices.
Depending on your location and applicable laws, you may be presented with options regarding personalized advertising, ad-related data processing, and other privacy choices.
Google's UMP system is designed to manage applicable user consent choices for advertising and privacy purposes.
Depending on your location and applicable laws, you may be presented with options regarding personalized advertising, ad-related data processing, and other privacy choices.
Google's UMP system is designed to manage applicable user consent choices for advertising and privacy purposes.
2. How Finzo Uses Information
We use information to:
- Provide and operate Finzo
We use information to:
- Provide and operate Finzo
- Authenticate users
- Store and display transactions
- Calculate balances and financial summaries
- Generate financial analytics
- Manage budgets and savings goals
- Manage subscriptions and recurring transactions
- Manage EMI and loan information
- Manage emergency funds
- Calculate net worth and related financial information
- Generate monthly and yearly reports
- Generate PDF reports
- Import and export CSV data
- Attach receipts to transactions
- Provide notifications and reminders
- Provide Google Drive backup and restore
- Provide app-lock functionality
- Display advertisements
- Provide rewarded-ad-based temporary access to certain advanced features
- Detect, prevent, and troubleshoot technical problems
- Improve reliability, performance, and security
- Comply with applicable laws and legal obligations
We do not use your financial information to provide financial, investment, tax, or legal advice.
Finzo is a personal financial tracking and organization tool, not a bank, financial institution, investment advisor, lender, or payment processor.
- Store and display transactions
- Calculate balances and financial summaries
- Generate financial analytics
- Manage budgets and savings goals
- Manage subscriptions and recurring transactions
- Manage EMI and loan information
- Manage emergency funds
- Calculate net worth and related financial information
- Generate monthly and yearly reports
- Generate PDF reports
- Import and export CSV data
- Attach receipts to transactions
- Provide notifications and reminders
- Provide Google Drive backup and restore
- Provide app-lock functionality
- Display advertisements
- Provide rewarded-ad-based temporary access to certain advanced features
- Detect, prevent, and troubleshoot technical problems
- Improve reliability, performance, and security
- Comply with applicable laws and legal obligations
We do not use your financial information to provide financial, investment, tax, or legal advice.
Finzo is a personal financial tracking and organization tool, not a bank, financial institution, investment advisor, lender, or payment processor.
3. Local Storage of Your Financial Data
Finzo is designed to store much of your financial information locally on your device.
Depending on the feature and configuration, information may be stored in the App's local database or local device storage.
If you uninstall the App, clear its data, lose your device, or otherwise remove locally stored information, locally stored data may become unavailable unless you have previously created a backup using a supported backup feature.
4. Google Drive Backup and Restore
Finzo provides an optional Google Drive backup and restore feature.
If you choose to use this feature, Finzo may access the Google Drive application data area associated with Finzo to store and retrieve your backup data.
Google Drive's application data folder is intended for application-specific data and is separate from the user's normal visible Drive files.
Backup data may contain information necessary to restore your Finzo account and financial records, which may include:
- Transactions
- Categories
- Budgets
- Savings goals
- Subscriptions
- Recurring transactions
- EMI/loan information
- Emergency fund information
- Assets and liabilities
- Profile information
- Receipt attachments or related data, where supported by the backup implementation
Google Drive backup is optional. You do not have to use it to use the core local functionality of Finzo.
Your use of Google Drive is also subject to Google's applicable terms and privacy policies.
5. Third-Party Services
Finzo uses third-party services to provide certain functionality.
These may include:
Google Firebase
Firebase may be used for authentication and related application services.
Firebase services use security measures such as encryption in transit, and certain Firebase services also provide encryption at rest.
Finzo is designed to store much of your financial information locally on your device.
Depending on the feature and configuration, information may be stored in the App's local database or local device storage.
If you uninstall the App, clear its data, lose your device, or otherwise remove locally stored information, locally stored data may become unavailable unless you have previously created a backup using a supported backup feature.
4. Google Drive Backup and Restore
Finzo provides an optional Google Drive backup and restore feature.
If you choose to use this feature, Finzo may access the Google Drive application data area associated with Finzo to store and retrieve your backup data.
Google Drive's application data folder is intended for application-specific data and is separate from the user's normal visible Drive files.
Backup data may contain information necessary to restore your Finzo account and financial records, which may include:
- Transactions
- Categories
- Budgets
- Savings goals
- Subscriptions
- Recurring transactions
- EMI/loan information
- Emergency fund information
- Assets and liabilities
- Profile information
- Receipt attachments or related data, where supported by the backup implementation
Google Drive backup is optional. You do not have to use it to use the core local functionality of Finzo.
Your use of Google Drive is also subject to Google's applicable terms and privacy policies.
5. Third-Party Services
Finzo uses third-party services to provide certain functionality.
These may include:
Google Firebase
Firebase may be used for authentication and related application services.
Firebase services use security measures such as encryption in transit, and certain Firebase services also provide encryption at rest.
Google Sign-In
Google Sign-In is used to authenticate users who choose to sign in with Google.
Google's own privacy practices apply to information processed by Google through its services.
Google Sign-In is used to authenticate users who choose to sign in with Google.
Google's own privacy practices apply to information processed by Google through its services.
Google AdMob
AdMob is used to provide advertisements in Finzo.
AdMob may process device, advertising, diagnostic, and interaction information as described in Google's documentation and applicable privacy disclosures.
Google Drive API
The Google Drive API is used when you choose to back up or restore Finzo data through Google Drive.
Other Service Providers
Finzo may use additional third-party libraries or service providers where reasonably necessary for:
- App functionality
- Security
- Diagnostics
- Notifications
- Advertising
- Authentication
- Data import/export
- Performance and reliability
Third-party providers may process information according to their own privacy policies and applicable contractual or legal requirements.
AdMob is used to provide advertisements in Finzo.
AdMob may process device, advertising, diagnostic, and interaction information as described in Google's documentation and applicable privacy disclosures.
Google Drive API
The Google Drive API is used when you choose to back up or restore Finzo data through Google Drive.
Other Service Providers
Finzo may use additional third-party libraries or service providers where reasonably necessary for:
- App functionality
- Security
- Diagnostics
- Notifications
- Advertising
- Authentication
- Data import/export
- Performance and reliability
Third-party providers may process information according to their own privacy policies and applicable contractual or legal requirements.
6. Advertising and Rewarded Features
Finzo is free to use and supported by advertising.
Some advanced Finzo features may be temporarily unlocked after successfully viewing a rewarded advertisement.
Rewarded-ad access is a temporary feature-access mechanism and does not constitute a purchase, subscription, or payment.
Finzo does not require Google Play Billing or a subscription to use the App.
Advertising providers may use information permitted by applicable law and your consent choices to serve and measure advertisements.
7. Data Sharing
We do not sell your personal information or financial information.
We may share or allow access to information with third-party service providers only when reasonably necessary to operate, secure, maintain, or improve applicable services.
Depending on the features you use, information may be processed by:
- Google Firebase
- Google Sign-In
- Google AdMob
- Google Drive services
- Other technical service providers used by the App
We may also disclose information when reasonably necessary to:
- Comply with applicable law
Finzo is free to use and supported by advertising.
Some advanced Finzo features may be temporarily unlocked after successfully viewing a rewarded advertisement.
Rewarded-ad access is a temporary feature-access mechanism and does not constitute a purchase, subscription, or payment.
Finzo does not require Google Play Billing or a subscription to use the App.
Advertising providers may use information permitted by applicable law and your consent choices to serve and measure advertisements.
7. Data Sharing
We do not sell your personal information or financial information.
We may share or allow access to information with third-party service providers only when reasonably necessary to operate, secure, maintain, or improve applicable services.
Depending on the features you use, information may be processed by:
- Google Firebase
- Google Sign-In
- Google AdMob
- Google Drive services
- Other technical service providers used by the App
We may also disclose information when reasonably necessary to:
- Comply with applicable law
- Respond to valid legal requests
- Protect the rights, property, or safety of users or others
- Detect or prevent fraud, abuse, or security threats
- Protect the security and integrity of Finzo
Google Play requires developers to accurately disclose access, collection, use, and sharing of user data and to limit handling to disclosed and legitimate purposes.
- Protect the rights, property, or safety of users or others
- Detect or prevent fraud, abuse, or security threats
- Protect the security and integrity of Finzo
Google Play requires developers to accurately disclose access, collection, use, and sharing of user data and to limit handling to disclosed and legitimate purposes.
8. Financial Information
Finzo may process financial information because this is the core purpose of the App.
Examples include transaction amounts, budgets, savings goals, loans, subscriptions, assets, liabilities, and related financial records entered by you.
We treat this information as sensitive and use it only to provide the functionality described in this Privacy Policy.
Finzo does not sell financial information to advertisers.
Finzo may process financial information because this is the core purpose of the App.
Examples include transaction amounts, budgets, savings goals, loans, subscriptions, assets, liabilities, and related financial records entered by you.
We treat this information as sensitive and use it only to provide the functionality described in this Privacy Policy.
Finzo does not sell financial information to advertisers.
Advertising services are operated separately from Finzo's financial tracking functionality.
9. Data Security
We take reasonable technical and organizational measures to protect information processed through Finzo.
These measures may include:
- Secure authentication
- Encrypted network communication where supported by the relevant service
- Restricted access to service data
- Local device security mechanisms
- App lock functionality
- Secure handling of authentication credentials
- Use of established third-party infrastructure providers
However, no method of electronic storage or transmission is completely secure.
We cannot guarantee absolute security of information stored on your device, transmitted over the internet, or processed by third-party services.
Firebase states that its services use HTTPS for data in transit and that several Firebase services also encrypt data at rest.
10. Data Retention
We retain information for as long as reasonably necessary to provide the requested functionality or comply with applicable legal obligations.
Information stored locally on your device generally remains there until you delete it, clear the App's data, uninstall the App, or otherwise remove it.
Information stored through optional cloud backup services may remain there until you delete the applicable backup, revoke access, delete the associated account/data, or the relevant service removes it according to its policies.
Advertising and third-party service providers may retain certain technical or advertising information according to their own retention policies.
11. Account and Data Deletion
If Finzo provides account creation or sign-in functionality, you may request deletion of your account and associated personal data.
We take reasonable technical and organizational measures to protect information processed through Finzo.
These measures may include:
- Secure authentication
- Encrypted network communication where supported by the relevant service
- Restricted access to service data
- Local device security mechanisms
- App lock functionality
- Secure handling of authentication credentials
- Use of established third-party infrastructure providers
However, no method of electronic storage or transmission is completely secure.
We cannot guarantee absolute security of information stored on your device, transmitted over the internet, or processed by third-party services.
Firebase states that its services use HTTPS for data in transit and that several Firebase services also encrypt data at rest.
10. Data Retention
We retain information for as long as reasonably necessary to provide the requested functionality or comply with applicable legal obligations.
Information stored locally on your device generally remains there until you delete it, clear the App's data, uninstall the App, or otherwise remove it.
Information stored through optional cloud backup services may remain there until you delete the applicable backup, revoke access, delete the associated account/data, or the relevant service removes it according to its policies.
Advertising and third-party service providers may retain certain technical or advertising information according to their own retention policies.
11. Account and Data Deletion
If Finzo provides account creation or sign-in functionality, you may request deletion of your account and associated personal data.
Account deletion should be initiated through the account-management/deletion mechanism provided within Finzo or by contacting us using the privacy contact information below.
Upon receiving a valid deletion request, we will take reasonable steps to delete or anonymize applicable personal information under our control, subject to:
- Legal obligations requiring retention
- Security and fraud-prevention requirements
- Legitimate technical requirements
- Information that must remain with third-party providers under their applicable retention policies
Where information has been stored with a third-party service such as Google, deletion may also require deletion through that service where applicable.
Deleting the Finzo account may result in permanent loss of associated Finzo data.
Users should export or back up information they wish to retain before requesting deletion.
Google Play requires apps offering account creation to provide users with an accessible method to request account and associated data deletion.
12. Your Privacy Choices
Depending on your location and applicable law, you may have rights regarding your personal information, including the right to:
- Request access to certain personal information
- Request correction of inaccurate information
- Request deletion of personal information
- Withdraw consent where processing is based on consent
- Object to or restrict certain processing
- Request information about how your data is handled
You may also control certain advertising preferences through Android device settings, Google's advertising controls, and consent mechanisms presented within the App where applicable.
Some rights may be subject to legal limitations or verification requirements.
13. Children's Privacy
Finzo is not specifically designed for children.
We do not knowingly collect personal information from children in violation of applicable law.
If you believe that a child has provided personal information to us in a manner that violates applicable law, please contact us so that we can take appropriate action.
14. Permissions
Depending on the features you use, Finzo may request permissions or access for purposes such as:
- Internet/network access for online services
- Notifications for reminders and alerts
- Photos/media or camera access when selecting or attaching receipt images, where applicable
- Authentication-related access for Google Sign-In
- Google Drive access when you choose backup or restore
- Other permissions required by Android or third-party libraries used by the App
Finzo does not request permissions that are unrelated to the functionality being provided.
Permission availability and behavior may vary between Android versions and device manufacturers.
15. Notifications
If you allow notifications, Finzo may send reminders and alerts related to features such as:
- Recurring transactions
- Subscriptions
- Budgets
- EMI/loan reminders
- Savings goals
- Emergency funds
- Other financial reminders
You can control notification permissions through your Android device settings.
16. CSV and PDF Export
Finzo may allow you to export your financial information in CSV or PDF format.
When you export data, the resulting file may be stored on your device or shared through another application selected by you.
Once you export or share a file outside Finzo, the handling of that file is controlled by the destination application or service.
Users should take care when sharing exported financial information.
17. App Lock and Biometric Authentication
Finzo may provide an optional app-lock feature using device-supported authentication mechanisms, including biometric authentication where available.
Finzo does not receive or store your fingerprint, face data, or biometric template.
Authentication is handled by the device's operating system/security framework.
18. International Data Processing
Some third-party service providers used by Finzo may process information on servers located outside your country.
Where applicable, information may therefore be transferred across national borders.
Such processing is subject to the applicable privacy and security practices of the relevant service providers and applicable law.
19. Changes to This Privacy Policy
We may update this Privacy Policy when Finzo's features, services, legal requirements, or data practices change.
When we make changes, we will update the "Last Updated" date at the top of this policy.
For significant changes, we may provide additional notice within the App where reasonably appropriate.
Your continued use of Finzo after an updated Privacy Policy becomes effective means that you acknowledge the updated policy.
20. Contact Us
If you have questions, concerns, requests, or complaints regarding this Privacy Policy or Finzo's privacy practices, please contact:
Developer: HyperNova Studio
App: Finzo: Expense Tracker
Package Name: com.hypernova.finzo
Privacy Contact Email: hypernovastudiobelagavi@gmail.com
Website: hypernovastudioapps.netlify.app
Upon receiving a valid deletion request, we will take reasonable steps to delete or anonymize applicable personal information under our control, subject to:
- Legal obligations requiring retention
- Security and fraud-prevention requirements
- Legitimate technical requirements
- Information that must remain with third-party providers under their applicable retention policies
Where information has been stored with a third-party service such as Google, deletion may also require deletion through that service where applicable.
Deleting the Finzo account may result in permanent loss of associated Finzo data.
Users should export or back up information they wish to retain before requesting deletion.
Google Play requires apps offering account creation to provide users with an accessible method to request account and associated data deletion.
12. Your Privacy Choices
Depending on your location and applicable law, you may have rights regarding your personal information, including the right to:
- Request access to certain personal information
- Request correction of inaccurate information
- Request deletion of personal information
- Withdraw consent where processing is based on consent
- Object to or restrict certain processing
- Request information about how your data is handled
You may also control certain advertising preferences through Android device settings, Google's advertising controls, and consent mechanisms presented within the App where applicable.
Some rights may be subject to legal limitations or verification requirements.
13. Children's Privacy
Finzo is not specifically designed for children.
We do not knowingly collect personal information from children in violation of applicable law.
If you believe that a child has provided personal information to us in a manner that violates applicable law, please contact us so that we can take appropriate action.
14. Permissions
Depending on the features you use, Finzo may request permissions or access for purposes such as:
- Internet/network access for online services
- Notifications for reminders and alerts
- Photos/media or camera access when selecting or attaching receipt images, where applicable
- Authentication-related access for Google Sign-In
- Google Drive access when you choose backup or restore
- Other permissions required by Android or third-party libraries used by the App
Finzo does not request permissions that are unrelated to the functionality being provided.
Permission availability and behavior may vary between Android versions and device manufacturers.
15. Notifications
If you allow notifications, Finzo may send reminders and alerts related to features such as:
- Recurring transactions
- Subscriptions
- Budgets
- EMI/loan reminders
- Savings goals
- Emergency funds
- Other financial reminders
You can control notification permissions through your Android device settings.
16. CSV and PDF Export
Finzo may allow you to export your financial information in CSV or PDF format.
When you export data, the resulting file may be stored on your device or shared through another application selected by you.
Once you export or share a file outside Finzo, the handling of that file is controlled by the destination application or service.
Users should take care when sharing exported financial information.
17. App Lock and Biometric Authentication
Finzo may provide an optional app-lock feature using device-supported authentication mechanisms, including biometric authentication where available.
Finzo does not receive or store your fingerprint, face data, or biometric template.
Authentication is handled by the device's operating system/security framework.
18. International Data Processing
Some third-party service providers used by Finzo may process information on servers located outside your country.
Where applicable, information may therefore be transferred across national borders.
Such processing is subject to the applicable privacy and security practices of the relevant service providers and applicable law.
19. Changes to This Privacy Policy
We may update this Privacy Policy when Finzo's features, services, legal requirements, or data practices change.
When we make changes, we will update the "Last Updated" date at the top of this policy.
For significant changes, we may provide additional notice within the App where reasonably appropriate.
Your continued use of Finzo after an updated Privacy Policy becomes effective means that you acknowledge the updated policy.
20. Contact Us
If you have questions, concerns, requests, or complaints regarding this Privacy Policy or Finzo's privacy practices, please contact:
Developer: HyperNova Studio
App: Finzo: Expense Tracker
Package Name: com.hypernova.finzo
Privacy Contact Email: hypernovastudiobelagavi@gmail.com
Website: hypernovastudioapps.netlify.app
For account or data-deletion requests, please include enough information for us to identify the relevant account and process the request securely.
21. Disclaimer
Finzo is a personal financial organization and expense-tracking application.
21. Disclaimer
Finzo is a personal financial organization and expense-tracking application.
Finzo does not provide financial, investment, tax, accounting, banking, lending, insurance, or legal advice.
Any calculations, reports, analytics, budgets, projections, or financial summaries generated by Finzo are provided for informational and organizational purposes only.
You are responsible for verifying your financial information and making your own financial decisions.
22. Acceptance
22. Acceptance
By downloading, accessing, or using Finzo, you acknowledge that you have read and understood this Privacy Policy and agree to the practices described in it, subject to your rights under applicable law.
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© 2026 HyperNova Studio. All rights reserved.
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© 2026 HyperNova Studio. All rights reserved.
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