Privacy Policy

Last updated: November 2025

Introduction

Welcome to Flow. We respect your privacy and are committed to protecting your personal data. This privacy policy will inform you about how we handle your personal data when you use our mobile application and tell you about your privacy rights.

Information We Collect

We collect several types of information:

  • Account Information: When you create an account via Apple Sign-In or email, we collect your name and email address. If you use Apple Sign-In, we receive the information you choose to share with us.
  • Financial Data: Transaction information, amounts, categories, notes, budget limits, and financial goals that you manually enter into the app. We do not connect to your bank accounts or collect banking credentials.
  • Subscription Information: If you purchase a premium subscription, Apple processes your payment. We receive confirmation of your subscription status but never your payment details.
  • Push Notification Data: If you enable notifications, we collect your device push token to send you budget alerts and reminders.
  • Usage Data: Information about how you use the app, including features accessed, time spent, and app performance data.
  • Device Information: iOS version, device type, unique device identifiers, and crash logs to improve app stability.

How We Use Your Information

We use your information to:

  • Provide and maintain the Flow app and its features
  • Sync your data across your devices
  • Send you notifications about your budgets and financial goals
  • Improve our app and develop new features
  • Protect against fraudulent or illegal activity
  • Comply with legal obligations

Data Security

We implement industry-standard security measures to protect your data. All financial information is encrypted both in transit and at rest using AES-256 encryption. Since Flow uses manual entry only, we never store banking credentials or connect to your bank accounts.

We never sell your data to third parties or share your financial information for marketing purposes. Your data is stored securely and only accessible to you through your authenticated account.

Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. If you delete your account, we will delete your personal information within 30 days, except where we are required to retain it for legal purposes.

Your Rights

You have the right to:

  • Access your personal data - View all data we have about you
  • Correct inaccurate data - Update your account information at any time
  • Request deletion of your data - Delete your account and all associated data
  • Export your data - Download all your financial data in a portable format
  • Opt-out of push notifications - Disable notifications in iOS Settings or in-app
  • Withdraw consent at any time - Delete your account to revoke all permissions

To exercise these rights, please contact us at support@flowbudgetapp.com. We will respond to your request within 30 days.

Third-Party Services

Flow may use third-party services for analytics and crash reporting. These services have their own privacy policies and we encourage you to read them. We do not share your financial data with any third-party analytics services.

Children's Privacy

Flow is not intended for users under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us immediately.

International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that are different from the laws of your country. We ensure appropriate safeguards are in place for such transfers.

Changes to This Policy

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

California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, use, and share, and the right to request deletion of your personal information.

We do not sell your personal information to third parties. To exercise your CCPA rights, please contact us at support@flowbudgetapp.com.

Contact Us

If you have any questions about this privacy policy or our data practices, please contact us: