Privacy Policy

Last Updated: March 20, 2026

1. Introduction

Welcome to FinCoach ("we," "our," or "us"). FinCoach is an educational platform designed to help users learn about personal finance concepts and best practices. We are committed to protecting your privacy and being transparent about our data practices.

Important: FinCoach does not require user accounts and does not collect or store any personal financial information. This app is for educational purposes only.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the application.

2. Information We Collect

2.1 No Personal or Financial Data

We do not collect, store, or process any personal or financial information. FinCoach operates entirely on your device, and no account registration is required.

2.2 Automatically Collected Information

When you access our application, we automatically collect certain information, including:

• Device information (IP address, browser type, operating system)
• Usage data (pages viewed, features used, time spent)
• Location data (with your permission)
• Cookies and similar tracking technologies

3. How We Use Your Information

The limited technical information we automatically collect is used solely to:

• Provide and maintain the educational content and tools
• Improve the application's functionality and user experience
• Monitor and analyze usage trends to enhance our educational content
• Detect, prevent, and address technical issues
• Comply with legal obligations

Note: All financial calculations and learning exercises are performed locally on your device. No financial data is transmitted to our servers.

4. In-App Purchases and Subscriptions

4.1 Premium Subscription Service

FinCoach offers an optional premium subscription ("FinCoach Pro") managed through RevenueCat and processed by Apple App Store or Google Play Store. When you make a purchase:

• Payment Processing: All payment transactions are processed by Apple or Google. We do not collect, store, or have access to your credit card information.
• Purchase Data: We receive limited transaction data from RevenueCat (such as subscription status, purchase date, and expiration date) to verify your entitlement and provide premium features.
• Anonymous Identifiers: We use anonymous user identifiers to link your device to your subscription status without collecting personal information.
• No Financial Data: We do not store any credit card numbers, banking information, or payment credentials.

4.2 Data from Third-Party Payment Processors

RevenueCat acts as our subscription management service and may collect:

• Anonymous device identifiers
• Purchase history and subscription status
• App usage analytics related to premium features

For more information, please review RevenueCat's Privacy Policy.

5. Advertising

5.1 Google AdMob Integration

FinCoach displays advertisements (banner ads) to free users through Google AdMob. Premium subscribers do not see advertisements.

5.2 Advertising Data Collection

Google AdMob may collect and process the following information for advertising purposes:

• Device identifiers (such as advertising IDs)
• IP address and approximate location
• Device type, operating system, and browser information
• Ad interaction data (viewing, clicks)

5.3 Personalized Advertising

AdMob may use the collected data to show personalized advertisements. You can:

• Opt out of personalized ads through your device settings (iOS: Settings > Privacy > Advertising > Limit Ad Tracking; Android: Settings > Google > Ads > Opt out of Ads Personalization)
• Upgrade to FinCoach Pro to remove all advertisements

For more information, please review Google's Privacy Policy.

6. How We Share Your Information

We do not sell your personal information. We may share your information in the following situations:

6.1 Service Providers

We may share your information with third-party service providers who perform services on our behalf, such as:

• Subscription management (RevenueCat)
• Payment processing (Apple, Google)
• Advertising services (Google AdMob)
• Data analysis and storage (Firebase)
• Cloud hosting services
• Analytics services

6.2 Business Transfers

We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business.

6.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., court orders, government inquiries).

6.4 With Your Consent

We may share your information with your explicit consent or at your direction.

7. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Secure authentication and access controls
• Regular security assessments and audits
• Employee training on data protection
• Secure data centers and backup systems

However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

8. Data Retention

Since we do not collect personal or financial information, there is no personal data to retain or delete. Any technical logs are retained only for the minimum period necessary to maintain application functionality and security, typically no longer than 30 days.

Subscription data managed by RevenueCat is retained according to their data retention policies and as required for legal and accounting purposes.

9. Your Privacy Rights

Since FinCoach does not collect or store personal information, most traditional privacy rights do not apply. However, you have the right to:

• Transparency: Understand what minimal technical data may be collected
• Control: Use the app without creating an account or providing personal information
• Contact Us: Reach out with any privacy concerns or questions
• Opt-Out of Ads: Disable personalized advertising through your device settings
• Cancel Subscription: Manage or cancel your subscription at any time through App Store or Google Play Store

If you have questions about your privacy rights, please contact us using the information provided below.

10. Children's Privacy

Our services are not intended for individuals under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

Users between 13-18 years old should use FinCoach under parental guidance.

11. Third-Party Links

Our application may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies before providing any information to them.

12. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. We ensure appropriate safeguards are in place to protect your information in compliance with applicable laws.

13. Updates to This Privacy Policy

We may update this privacy policy from time to time. We will notify you of any changes by posting the new privacy policy on this page and updating the "Last Updated" date. You are advised to review this privacy policy periodically for any changes.

14. Contact Us

15. California Privacy Rights

If you are a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to deletion of personal information
• Right to non-discrimination for exercising your rights

14. GDPR Compliance

If you are located in the European Economic Area (EEA), we process your personal information based on the following legal grounds:

• Your consent
• Performance of a contract with you
• Compliance with legal obligations
• Our legitimate business interests