Privacy Policy

A. Personal & Financial Data (Stored Locally)

Jibify is designed to be a privacy-first application. The following data is collected and stored locally on your device:

• Transaction Data: Expenses, income, categories, and budgets you enter.
• Profile Information: The name you set within the app.
• Savings Goals: Targets and progress for your saving goals.

We do not transmit your financial transactions or personal profile data to any external server. Your financial data resides solely on your device (and any personal backups you manually export).

B. Usage & Diagnostics (Third-Party Services)

We use third-party services to improve the stability and performance of the App.

Google Analytics for Firebase — We use Google Analytics for Firebase to collect information about how you use our App. This usage data may include information such as your device's Internet Protocol address, browser type, browser version, the pages you visit, the time and date of your visit, time spent, unique device identifiers and other diagnostic data.

These services may collect:

• Device Information: Model, OS version, and unique device identifiers.
• Crash Logs: Information about app crashes to help us fix bugs (via Firebase Crashlytics).
• Usage Data: Anonymous interaction data to understand how features are used.

C. Advertising (AdMob)

We use Google AdMob to serve advertisements in the app. AdMob may collect:

• Advertising ID: To serve personalized ads
• Device Information: Model, OS version, and screen size
• Ad Interaction Data: Clicks, views, and conversions

AdMob uses this data in accordance with Google's Privacy Policy.

You can opt out of personalized advertising by adjusting your device settings (Settings > Google > Ads > Opt out of Ads Personalization).

D. Biometric Data (Optional)

If you enable biometric authentication (fingerprint/face unlock):

• Biometric data is processed locally on your device only
• We do NOT collect, store, or transmit your biometric data to any server
• Biometric authentication uses your device's secure hardware

E. Voice and Text Data (AI Features)

If you use the Voice Auto-Categorization feature or other AI-powered tools:

• Voice input is processed using your device's built-in speech recognition (which may involve Google's speech services depending on your device and OS version).
• The recognized text is securely sent to Google's Gemini AI solely for the purpose of parsing the transaction details.
• We do NOT store your voice recordings or send them to any other servers.
• The use of the Gemini API relies on the API key you provide, and the data processed by the API is subject to Google's terms and privacy policies.

F. Camera and Receipt Scanning (AI Feature)

If you use the Scan Receipt feature:

• The app uses your device's camera to capture a photo of a receipt. The photo is not stored, saved, or transmitted — it is held in memory only during processing.
• The captured image is processed on-device using Google ML Kit Text Recognition to extract text from the receipt.
• The extracted text is then sent to the on-device Gemini Nano model (if available) or to Google's Gemini API (using the API key you provide) solely to parse the transaction amount, category, and description.
• We do NOT collect, store, or transmit your receipt images to any server.

G. On-Device AI (Gemini Nano)

Jibify uses Google's Gemini Nano model via ML Kit GenAI for on-device AI features when your device supports it (Android 14+ with AICore). These features include:

• Smart Categorization: Automatically categorizing transactions.
• AI Chat: A personal finance assistant that answers questions about your spending.
• Natural Language Search: Parsing search queries to filter transactions.
• Subscription Detection: Identifying potential recurring charges.

All on-device AI processing happens entirely on your device. Your financial data, conversation history, and prompts are never sent to any external server when using Gemini Nano. If Gemini Nano is not available on your device, these features may fall back to the cloud-based Gemini API (using the API key you provide), subject to Google's privacy policies.

H. Smart Auto-Logging (Notification Access)

If you enable the Smart Auto-Logging feature:

• The app uses Android's Notification Listener Service to read banking and financial push notifications.
• Notification text is processed on-device using Gemini Nano to extract transaction details (amount, merchant, category).
• We do NOT store, transmit, or log the contents of your notifications. Notification data is held in memory only during parsing.
• Extracted transactions are saved locally as pending items for your review before being added to your records.
• This feature requires you to explicitly grant Notification Access permission in your device settings.
• Non-financial notifications are ignored and immediately discarded.