EXFLOW · STUDIO83B

Privacy Policy for Exflow

Last updated: October 29, 2026

Information you provide

Exflow is a personal finance app by Studio83B. It stores the transactions, amounts, account names and balances, categories, budgets, savings goals, loans, scheduled payments, notes and settings you enter. Bank account labels are records you create; Exflow does not connect to your bank or request bank login credentials.

Free public release and manual backups

The Free public release works without an Exflow account. Financial records stay in your local workspace. Google sign-in, Firebase workspace backup, Live Sync and Gemini AI are not available in this Free build. You can manually save a backup file using your device’s file picker and restore a compatible file later. If you choose Google Drive or another file provider, that provider handles the file under its own policies; Exflow does not authenticate to Drive or upload the financial backup to developer-hosted Firebase. Backups are not automatic and are not protected by an Exflow backup password. Anyone with access to the exported file may be able to read its contents. You control sharing, retention and deletion of these files.

Other builds with optional cloud services

Some existing tester or Pro-enabled builds offer optional cloud services. The following cloud and AI sections apply only when those services are available and you choose to use them. You can use local finance features without connecting a Google account. When you connect Google for Backup & Sync, Google Firebase processes your account identifier, email and basic sign-in profile. Cloud backup and supported Live Sync features store your financial workspace in Firebase so you can recover or synchronize it. Device identifiers, platform information, access status and timestamps are used to authorize devices and prevent conflicting or unauthorized changes. Appearance settings and app-lock preferences are device-local.

Photos, notifications and app lock

If you choose a profile photo, the app accesses the image you select and keeps an app-managed local copy. Notification permission is used for local payment reminders and finance alerts. App lock uses a local PIN and, if enabled, operating-system biometric authentication. Exflow does not receive your fingerprint or face biometric template.

How information is used and shared

We use information to provide finance tracking, reports, backup, synchronization, reminders, authentication and security. We do not sell or rent personal information or share it with advertisers. Google/Firebase processes information needed to operate the cloud features, including technical connection and security information. Its processing is subject to Google’s privacy policy. Exflow does not include advertising, Firebase Analytics or Crashlytics in the current release. Exports are shared only through the destination you choose; the selected destination applies its own policies.

Optional Gemini and AI usage feedback

If you connect your own Gemini API key, supported AI features send selected entry or question text and the context needed to interpret it directly to Google. Cloud voice, when separately enabled, sends a short recording to Google for transcription. Your API key is stored in platform secure storage. Google’s data policies, quotas and charges apply to your API project.

In builds offering the optional “Share AI usage statistics” setting, sharing is off by default and requires your choice. For participating closed testers, Exflow can collect feature/model request counts, returned token counts, response times, technical outcome codes and interpretation-result counters. These daily statistics are linked to your Exflow account identifier; they are not anonymous. They do not contain your entries, questions, answers, financial amounts, account/category names, recordings or API key. We use them to evaluate reliability and plan AI capacity and pricing, not advertising. Sharing is separate from connecting Gemini and does not affect Pro access.

Turning sharing off stops future reporting; an upload already sent cannot be recalled. Previously collected usage statistics are scheduled for deletion 90 days after their daily record was last updated; deletion processing may take additional time. Deleting your Exflow account also removes these statistics. Contact studio83b@gmail.com to request deletion of usage statistics without deleting your financial workspace.

Security

The app encrypts the local financial workspace with an installation-specific key held in platform secure storage. Cloud connections use HTTPS and authenticated access controls. Cloud workspace records are not end-to-end encrypted, and exported JSON/PDF files may contain readable financial information. Keep exported files secure. No storage or transmission system can be guaranteed completely secure.

Retention and deletion

Free users do not need an Exflow cloud account. Local records can be removed using the in-app data controls. Deleted transactions remain recoverable in Recently deleted for up to 30 days unless removed earlier. Files you exported to Drive or another destination remain until you remove them there. The cloud-account deletion instructions below apply to users who previously connected an account in a build offering cloud services.

Your cloud data remains until you delete it or your Exflow account. To delete your Exflow account, use Settings → Account → Delete Exflow Account, or the account-deletion website linked below. This removes the Exflow sign-in account, cloud backups, live records, cloud profile, device access and entitlement records. A minimal record containing the former account identifier and deletion-start time is retained to prevent old sessions recreating deleted data; it contains no email, profile or financial history. Provider operational backups and security logs may persist under their retention processes. In-app deletion also clears local financial and recovery data on that device. Your Google account, exported files and copies already stored on other devices are unaffected; remove those separately. Uninstalling alone does not delete cloud data.

Children’s privacy

Exflow is not directed to children under 13. We do not knowingly collect their personal information. Contact us if you believe a child has provided information so we can investigate and arrange deletion.

Changes and contact

We will update this policy when our data practices change and revise the date above. For privacy questions or requests, contact Studio83B at studio83b@gmail.com.

Delete your Exflow account · Google Privacy Policy · Contact Studio83B