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Privacy Policy

Last updated: June 30, 2026

1. Introduction

This Privacy Policy explains how Flowly ("Flowly", "we", "us", or "our") collects, uses, stores, and shares information when you use the Flowly mobile application, website, waitlist, support channels, and related services (together, the "Service").

Flowly is a personal finance app. Because the Service may contain sensitive financial information, we aim to collect only what we need to provide, secure, support, and improve the Service.

2. Controller and Contact

Flowly is operated by Vadym Krasnoshchok in Poland. For privacy questions, requests, complaints, or product support, contact us at admin@goflowly.ai.

3. Information We Collect

We collect information you provide directly, information generated while you use the Service, and limited technical information from your device and our service providers.

  • Account and contact information: email address, name, sign-in provider information, account settings, language, region, and base currency.
  • Financial information: financial records you enter, import, or generate in the Service, such as accounts, balances, transactions, transfers, budgets, goals, categories, merchants, dates, notes, and related calculations.
  • User content: content you submit to use app features, such as AI messages, transaction text, voice-transcribed text, receipt images, feedback, support messages, and optional screenshots.
  • Device and identifier information: device, session, app, push notification, and analytics identifiers needed to operate, secure, notify, and understand use of the Service.
  • Usage and analytics information: app screens and actions, onboarding progress, feature use, operation status, performance, locale, timezone, platform, app version, and similar product analytics.
  • Diagnostics: crashes, errors, logs, performance information, and related app or device context.
  • Website and waitlist information: email address, consent records, cookie preferences, website usage analytics, and communications with us.

4. Permissions and Device Features

Flowly asks for device permissions only when needed for app features:

  • Camera: to scan receipts.
  • Photo library: to choose receipt photos or attach screenshots to feedback.
  • Microphone and speech recognition: to record voice transaction entries and convert speech into transaction text.
  • Push notifications: to send reminders, security, budget, goal and report notifications when enabled or requested.

You can manage these permissions in your device settings. Some features may not work if a permission is disabled.

5. AI, Voice, and Receipt Processing

Flowly uses AI features to help with onboarding, chat assistance, transaction parsing, voice entry, and receipt scanning.

  • When you use AI chat or onboarding, we process your message and relevant app context to generate a response.
  • When you use voice entry, speech may be converted to text and processed to create a transaction draft.
  • When you scan a receipt, the receipt image and extracted text may be processed to create a transaction draft.
  • AI prompts may include financial context needed for the feature, such as relevant account, category, currency, locale, or recent app context.
  • AI outputs may be incomplete or inaccurate. You should review results before saving or relying on them.

We may use third-party AI providers, such as OpenAI, to provide these features. We do not use your content for advertising tracking. Third-party AI providers may process data according to their own service terms and privacy commitments.

6. How We Use Information

We use information to:

  • create and manage your account;
  • provide financial tracking, budgets, goals, analytics, AI assistance, receipt scanning, voice entry, and notifications;
  • authenticate users and protect sessions;
  • sync data between the app and Flowly servers;
  • export, erase, or delete user data when requested;
  • respond to feedback, support, and legal requests;
  • measure app reliability, feature usage, and product quality;
  • prevent abuse, debug errors, and maintain security;
  • send waitlist or product updates when you have consented or where permitted by law.

7. Analytics and Diagnostics

Flowly uses analytics to understand app usage, improve reliability, and make product decisions. Analytics may be enabled by default. We aim to avoid sending sensitive content to analytics, such as raw receipt images, chat message content, transaction descriptions, notes, names, email addresses, full transaction amounts, or detailed transaction payloads.

Flowly uses diagnostics tools to detect crashes and errors. Release configuration is intended to limit personal information in diagnostics and avoid session replay.

8. Notifications

If you allow notifications, Flowly and its notification providers may process push tokens, device identifiers, notification preferences, delivery/open information, and notification content. Notifications may include reminders, budget or goal information, reports, security messages, and links into the app.

9. Service Providers

We use service providers to operate the Service. Depending on configuration, these may include providers for:

  • cloud hosting, databases, and file storage;
  • AI processing;
  • product analytics;
  • crash and error diagnostics;
  • push notifications;
  • sign-in and authentication;
  • email, website hosting, cookie, waitlist, and marketing tools.

These providers may include services such as OpenAI, PostHog, Sentry, OneSignal, Firebase, Apple, and Google. They process information on our behalf or as independent providers where applicable. We do not sell personal information.

10. Bank Connections

Live bank connection and bank sync features are disabled for the first App Store release. If bank connection features are enabled later, this Privacy Policy will be updated before or at the time those features are made available.

11. Legal Bases

Where GDPR or similar law applies, we process personal data based on one or more of the following legal bases: performance of a contract, consent, legitimate interests, compliance with legal obligations, and protection of rights and security.

12. Data Retention

We keep information while your account is active or as needed to provide the Service, comply with legal obligations, resolve disputes, enforce agreements, prevent abuse, and maintain security. You can export your data, erase app data while keeping your account, or delete your account from the app where available.

Some limited information may remain in backups, logs, security records, provider systems, or legally required records for a limited period after deletion.

13. Export, Erase, and Delete Account

Flowly provides data controls in the app:

  • Export data: creates an export of your account and app data.
  • Erase app data: deletes product and app data while keeping the authentication account, then returns the account to onboarding/setup.
  • Delete account: permanently deletes the account and associated app data. We may require confirmation before processing deletion.

You may also contact us at admin@goflowly.ai for privacy requests.

14. Your Rights

Depending on your location, you may have rights to access, correct, export, delete, restrict, or object to processing of your personal data, and to withdraw consent where processing is based on consent. You may also have the right to lodge a complaint with a data protection authority.

15. International Processing

We and our providers may process information in countries other than your country of residence. Where required, we rely on appropriate safeguards for international transfers.

16. Security

We use technical and organizational measures intended to protect your information. No system is perfectly secure, and we cannot guarantee absolute security.

17. Children

Flowly is not intended for children under 13, or under the minimum age required by local law. We do not knowingly collect personal information from children.

18. Changes

We may update this Privacy Policy from time to time. We will update the effective date and, where required, provide additional notice.

19. Contact

For privacy questions, requests, or product support, contact admin@goflowly.ai.

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