İçindekiler18 bölüm
1. Introduction#
Welcome to Bakiye AI (“we,” “our,” or “us”). Bakiye AI is a personal finance assistant available on iOS. We are committed to protecting your privacy and ensuring transparency about how your information is handled.
This Privacy Policy explains what data we collect, how we use it, and your rights regarding that data. By using Bakiye AI, you agree to the practices described below.
2. Data Philosophy: Local-First#
Bakiye AI is designed with a local-first architecture. This means:
- Your financial records (transactions, budgets, categories, and notes) are stored on your device by default.
- We do not maintain a central database of your personal financial data.
- Your data remains under your control at all times.
3. Information We Collect#
3.1 Information You Provide#
- Account Information: Your display name and preferred currency, entered during onboarding.
- Financial Entries: Transaction amounts, categories, labels, and descriptions you create manually or through voice and receipt scanning. These are stored locally on your device.
- Voice Input: When you use the voice entry feature, your audio is processed to convert speech to text. See Section 4 for details on how voice data is handled.
- Receipt Images: When you use the receipt scanning feature, images of your receipts are processed to extract transaction data. See Section 4 for details.
3.2 Information Collected Automatically#
- Usage Analytics: We may collect anonymized, aggregated usage data such as feature usage frequency, session duration, screen flow patterns, and crash reports. This data does not identify you personally and is used solely to improve the app experience.
- Device Information: Device model, operating system version, app version, and language/region settings for compatibility and support purposes.
- Subscription Status: Your subscription tier (Free or Pro) and trial status, managed through Apple’s StoreKit framework.
3.3 Information We Do NOT Collect#
- Bank account numbers, credit card numbers, or banking credentials.
- Your precise location.
- Contacts, photos (other than receipts you explicitly scan), or other personal files.
- Browsing history or data from other apps.
4. Voice and Receipt Processing#
4.1 Voice Input#
When you record a voice entry, the audio may be processed using:
- On-device speech recognition (Apple Speech framework) where available, in which case your audio never leaves your device; or
- Cloud-based AI processing to interpret natural language and extract transaction details (amount, category, date).
If cloud processing is used, the audio or transcribed text is sent to our AI service provider solely for the purpose of extracting transaction data. It is not stored after processing is complete and is not used to train AI models.
4.2 Receipt Scanning#
When you scan a receipt, the image may be processed using:
- On-device OCR where available; or
- Cloud-based AI processing to extract merchant name, amounts, and line items.
If cloud processing is used, the receipt image is transmitted securely, processed, and immediately discarded after the transaction data is extracted. Receipt images are not stored on our servers and are not used for any purpose other than providing you with the extracted data.
5. How We Use Your Information#
We use the information described above for the following purposes:
- Providing the Service: Processing voice input and receipts, categorizing transactions, generating financial summaries, and powering Fin-Buddy interactions.
- Improving the App: Analyzing anonymized usage patterns to identify bugs, improve features, and enhance the user experience.
- Subscription Management: Verifying your subscription status to provide access to the appropriate features.
- Customer Support: Responding to your inquiries if you contact us.
- Legal Compliance: Meeting applicable legal obligations.
We do not use your data for advertising, profiling, or selling to third parties.
6. Data Sharing and Third Parties#
We do not sell, rent, or trade your personal information. We may share limited data with the following categories of service providers, strictly as necessary to operate the app:
| Third Party | Purpose | Data Shared |
|---|---|---|
| AI Processing Provider | Voice and receipt interpretation | Transient audio/image data (not stored) |
| Apple (App Store / StoreKit) | Subscription and payment processing | Purchase and subscription data (managed by Apple) |
| Analytics Provider | Anonymized usage analytics | Non-identifying usage events, crash reports |
All third-party service providers are bound by contractual obligations to protect your data and use it only for the specified purposes.
7. Data Storage and Security#
- Local Storage: Your financial data is stored on your device using encrypted local storage. If you delete the app, this data is permanently removed unless you have created a backup.
- Cloud Processing: Any data sent for AI processing is transmitted over encrypted connections (TLS 1.2+) and is not retained after processing.
- No Server-Side Database: We do not operate a server-side database containing your personal financial records.
- Security Measures: We implement industry-standard security practices including encryption in transit, minimal data collection, and regular security reviews.
8. Data Retention#
| Data Type | Retention Period |
|---|---|
| Local financial records | Stored on your device until you delete them or uninstall the app |
| Voice/receipt data sent for cloud processing | Deleted immediately after processing (not retained) |
| Anonymized analytics | Up to 24 months |
| Subscription records | As required by Apple and applicable law |
9. Your Rights and Choices#
You have the following rights regarding your data:
- Access and Export: Pro subscribers can export their financial data in CSV or PDF format at any time.
- Deletion: You can delete individual transactions, all data within the app, or uninstall the app to remove all locally stored data.
- Voice and Receipt Features: You can choose not to use voice input or receipt scanning. Manual entry is always available with no data leaving your device.
- Notifications: You can enable or disable push notifications at any time through iOS Settings or within the app.
- Analytics Opt-Out: You may opt out of anonymized analytics collection in the app settings.
For users in the European Economic Area (EEA), United Kingdom, or other jurisdictions with applicable data protection laws, you may also have the right to:
- Request access to any personal data we hold about you.
- Request correction or deletion of your data.
- Object to or restrict certain processing activities.
- Lodge a complaint with your local data protection authority.
To exercise any of these rights, contact us at the address provided in Section 13.
10. Children’s Privacy#
Bakiye AI is not directed to children under the age of 13 (or the applicable minimum age in your jurisdiction). We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us and we will promptly delete it.
11. International Data Transfers#
If cloud-based AI processing is used, your data may be processed in a country different from your own. In such cases, we ensure appropriate safeguards are in place, including standard contractual clauses or equivalent mechanisms, to protect your data in accordance with applicable data protection laws.
12. Changes to This Privacy Policy#
We may update this Privacy Policy from time to time. When we make material changes, we will notify you through the app or by other appropriate means. The “Last Updated” date at the top of this page indicates when the policy was most recently revised.
We encourage you to review this Privacy Policy periodically.
13. Contact Us#
If you have questions, concerns, or requests regarding this Privacy Policy or your data, please contact us at:
Email: bilgi@tarikaydin.com