Last Updated: 20/Feb/2026
FinVault AI (“we,” “us,” or “our”) is committed to protecting your privacy and ensuring the security of your financial and personal data. This Privacy Policy explains how we collect, use, process, and safeguard your information when you use the FinVault AI mobile application (“App”).
By using FinVault AI, you agree to the practices described in this Privacy Policy.
To provide AI-powered expense tracking and secure vault services, FinVault AI collects the following types of information:
With your explicit consent, FinVault AI scans incoming SMS messages on your device to identify financial transaction alerts (such as bank, UPI, or card notifications).
Our AI engine filters only transactional messages to automatically:
Detect expenses
Categorize spending
Update budgets and analytics
We do NOT read, store, upload, or access your personal or private conversations.
When you upload documents to the Secure Vault:
Files are encrypted locally using AES-256 encryption before upload
Encrypted files are stored securely in the cloud
Decryption happens only on your device after authentication
Even we cannot access or read your encrypted vault documents.
We collect and store financial-related data such as:
Budget settings
Categories
Auto-detected transactions
Manually added transactions
Analytics and insights data
This data is used solely to provide core app functionality.
We use secure authentication services (such as Firebase Authentication) to:
Protect user accounts
Enable secure login/signup
Prevent unauthorized access
We do not store your passwords in plain text.
We use collected information strictly for the following purposes:
To automate expense tracking using financial SMS alerts
To provide AI-powered financial insights and analytics
To enable secure encrypted document storage (Vault)
To generate financial reports and exports
To improve app performance, accuracy, and user experience
To ensure security and fraud detection features
We do NOT use your data for advertising profiling or selling purposes.
Security is a core priority at FinVault AI.
Vault documents are protected using AES-256 encryption
Sensitive data is securely encrypted during storage and transmission
We use secure cloud infrastructure powered by Google Firebase (Google Cloud Platform) for:
Authentication
Secure storage
Database services
Most SMS parsing and expense categorization is processed on-device to minimize data exposure and enhance privacy.
We do NOT sell, rent, trade, or share your personal, financial, or SMS data with third parties for marketing or advertising purposes.
FinVault AI requests certain permissions to function properly:
Used strictly to detect financial transaction alerts for automated expense tracking and budgeting.
We do not read personal messages unrelated to financial transactions.
Used only when you choose to upload documents into the Secure Vault.
Required to:
Save encrypted vault documents
Export financial reports or ledger files to your device
All permissions are used only for core app features and with user consent.
You have full control over your data. You can:
Delete transaction history
Remove individual vault documents
Clear all app data anytime from settings
If you forget your Vault PIN/password, a full vault reset is required.
This will permanently delete all encrypted documents to ensure maximum security and prevent unauthorized access.
You may request full account deletion via:
App Settings, or
Contacting us via email
Upon deletion request, all associated data will be permanently removed from our servers in accordance with applicable laws.
FinVault AI uses trusted third-party services including:
Firebase (Google) for authentication and backend infrastructure
These services may collect limited technical information as per their own privacy policies.
We recommend reviewing Firebase’s privacy policy for more details.
FinVault AI is not intended for children under the age of 13.
We do not knowingly collect personal information from children.
If we discover that a child has provided personal data, we will take immediate steps to delete such information.
We may update this Privacy Policy from time to time to reflect:
Feature updates
Legal requirements
Security improvements
Users are advised to review this page periodically. Continued use of the app after updates constitutes acceptance of the revised policy.
If you have any questions, concerns, or suggestions regarding this Privacy Policy or your data privacy, please contact us:
App Name: FinVault AI
Email: contact@blackbulltechnologies.in