This Privacy Policy describes how Jibify ("we", "us", or "our") collects, uses, and discloses your information when you use our mobile application (the "App").

1. Information We Collect

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. AI Features (Google Gemini API)

Jibify offers optional AI-powered features using Google's Gemini API. If you provide your own API key:

API Key Storage: Your Gemini API key is stored locally on your device using Android's encrypted storage (EncryptedSharedPreferences). It is never sent to our servers.
Auto-Categorization: Transaction descriptions (text only, not amounts) may be sent to the Gemini API to suggest a category.
Voice Input Parsing: When you use voice input, the transcribed text is sent to Gemini to extract transaction details (amount, category, date).
Daily Financial Tips: Aggregated, non-identifiable spending summaries (e.g. "total income: $X, total expense: $Y") may be sent to Gemini to generate personalized tips.

No raw financial records, account names, or personal information are sent to the Gemini API. Only minimal text descriptions necessary for AI processing are transmitted, using your own API key directly to Google.

F. Voice Input (Speech Recognition)

Jibify uses Android's built-in SpeechRecognizer for voice input:

Audio is processed on-device by Android's speech recognition service
No audio recordings are stored or transmitted by Jibify
Only the resulting text transcript is used (sent to Gemini for parsing if AI features are enabled)

2. How We Use Your Information

To provide the core functionality of tracking your personal finances.
To detect and fix technical issues (crashes and bugs).
To improve the user experience based on anonymous usage patterns.
To serve relevant advertisements through AdMob.
To power AI-assisted features such as automatic transaction categorization, voice input parsing, and daily financial tips (via Google Gemini API, using your own API key).

3. Data Sharing

We share limited data with the following third parties:

Google Firebase: Analytics and crash reporting
Google AdMob: Advertising services
Google Gemini API: AI-powered categorization, voice parsing, and daily tips (only if you enable AI features with your own API key)

We do NOT sell your personal information to third parties. Your financial transaction data remains local and is NEVER shared with any third party.

4. Data Retention

Local Data: Retained on your device until you uninstall the App or clear its data.
Analytics Data: Retained in accordance with Firebase's data retention policies.
Advertising Data: Retained in accordance with AdMob's data retention policies.

4.1 Google Play Data Safety

In accordance with Google Play's Data Safety requirements, we disclose the following about data collected by Jibify:

Financial Information & Personal Data: We do not collect, transmit, or share your financial data, budgets, transaction history, or personal profile names. This data is strictly local.
Diagnostics & Crash Logs: We collect crash logs and diagnostic data via Firebase Crashlytics to improve app stability.
Device & Other IDs: We collect and share device identifiers via Google AdMob and Firebase Analytics to serve personalized advertisements and track anonymous usage.
Data Deletion: Because all user-generated financial/personal data remains locally on your device, deleting the app will permanently delete this data.

5. Security

App Lock: Jibify offers Biometric and Password locks to prevent unauthorized local access to your app.
No Cloud Sync: Since we do not sync your financial data to a cloud server, your data is as secure as your physical device.
Encryption: All network communications with third-party services use HTTPS encryption.

6. Children's Privacy

These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13.

7. Your Rights

You have the right to:

Access the data stored locally on your device
Delete your local data by clearing the app's data or uninstalling
Opt out of personalized advertising via device settings

8. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

9. GDPR Compliance (EEA & UK Users)

If you are located in the European Economic Area (EEA) or the United Kingdom (UK), you have specific rights regarding your personal data under the General Data Protection Regulation (GDPR).

Consent Management: We use a Consent Management Platform (CMP) certified by Google to gather your consent for data collection and advertising.
Right to Withdraw Consent: You can withdraw your consent at any time within the app settings by clicking on "Privacy Settings".
Data Minimization: We only collect data that is necessary for the functionality of the App and for compliance with legal obligations.

10. Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us:

Email: yassinebeldi@gmail.com