PersoCash — Privacy Policy

Last updated: June 15, 2025

Thank you for choosing PersoCash ("App"), developed by ZolApps ("Company", "we", "us", "our"). PersoCash is a personal cash-flow manager that helps you track income, expenses, budgets, and debit orders. We are committed to protecting your personal information and your right to privacy.

This policy applies to all information related to your use of the App. It is designed to comply with international privacy laws, including the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and South Africa's Protection of Personal Information Act (POPIA).

If you have any questions, please contact us at info.zolapps@gmail.com.

1. Data Storage — Local Only

All your financial data stays on your device. PersoCash stores all information — including income, expenses, categories, debit orders, budgets, and settings — in a local SQLite database on your device. We do not operate servers that receive, store, or process your financial data. Nothing is uploaded to the cloud.

This means:

Your transaction history, category names, and amounts never leave your device.
If you uninstall the App or clear its data, your financial records are permanently deleted.
We have no ability to access, view, or recover your data.

2. Information We Do Not Collect

The App does not collect, transmit, or store any of the following:

Your name, email address, phone number, or any account credentials.
Bank account numbers, card details, or any payment instrument information.
Transaction descriptions, amounts, or category data you enter.
Your PIN or biometric data (these are handled entirely by your device's operating system).
Location data (GPS, IP-based geolocation, or network location).

3. PIN & Biometric Security

PersoCash offers optional PIN and biometric (fingerprint / face) lock to protect access to the App.

PIN: Your PIN is stored locally on your device within the App's secure storage. It is never transmitted externally.
Biometric authentication: The App uses your device's built-in biometric APIs. We never receive, process, or store your biometric data — authentication is handled entirely by the operating system.

4. Advertisements

The App displays advertisements provided by Google AdMob, including banner ads and interstitial ads. AdMob may collect non-personal information such as your device type, operating system, IP address, and anonymized identifiers to serve and measure ads. In some regions, certain identifiers (e.g., IP addresses) may be considered personal data under GDPR or CCPA.

No financial data shared: We do not share any of your transaction data, categories, or budget information with AdMob or any other third party.
Opt-out options:
- Android: Go to Settings → Google → Ads → Opt out of Ads Personalization.
- iOS: Go to Settings → Privacy & Security → Apple Advertising → turn off Personalized Ads.
- EU/EEA users (GDPR): AdMob provides a consent screen for managing ad personalization.
- California residents (CCPA): Opt out via the device settings described above.
For more details, see Google's Privacy Policy.

5. Crash Reporting

The App uses Firebase Crashlytics to collect anonymous crash reports and diagnostic data. This helps us identify and fix bugs. Crash reports may include:

Device model, operating system version, and app version.
Stack traces and error logs (technical debugging information only).
Anonymized device identifiers.

Crash reports do not contain your financial data, transaction details, PIN, or any personally identifiable information. For more details, see Firebase Privacy Information.

6. How We Share Your Information

We do not sell, rent, or trade any user information. Since the App stores data locally and we do not collect personal information, there is minimal data to share. The only data processed by third parties is:

Google AdMob: Device-level ad data as described in Section 4.
Firebase Crashlytics: Anonymous crash diagnostics as described in Section 5.
App stores: Google Play and Apple App Store may collect their own data when you download or update the App.

7. Data Retention

Your financial data is retained on your device for as long as you keep the App installed. We do not retain any copy of your data. Third-party services (AdMob, Crashlytics) retain their data in accordance with their own retention policies.

8. Data Security

Your data is protected by your device's built-in security (encryption, app sandboxing). The optional PIN and biometric lock provide an additional layer of protection within the App. However, no security measure is 100% effective, and we encourage you to keep your device's operating system up to date.

9. Children's Privacy

The App is not directed at children under the age of 13 (or 16 in jurisdictions such as the EU under GDPR). We do not knowingly collect personal information from children. If you are a parent or guardian and have concerns, please contact us at info.zolapps@gmail.com.

10. Your Privacy Rights

Depending on your location, you may have the following rights:

GDPR (EU/EEA/UK): Right to access, rectification, erasure, restriction of processing, data portability, and the right to object. You may lodge a complaint with your local supervisory authority — find yours at ec.europa.eu.
CCPA (California): Right to know what personal information is collected, right to request deletion, and right to opt out of the "sale" of personal information. We do not sell personal information.
POPIA (South Africa): Right to access, correct, and object to the processing of your personal information.

Since the App stores data locally on your device and we do not collect it, you have full control over your data. You can delete all data at any time by clearing the App's data or uninstalling it. For ad personalization preferences, use your device settings as described in Section 4.

11. Do-Not-Track Signals

Some browsers and mobile operating systems offer a Do-Not-Track ("DNT") signal. There is currently no uniform standard for responding to DNT signals. You can manage ad personalization through your device settings.

12. Third-Party Services

The App uses the following third-party services, each with their own privacy policies:

13. Changes to This Policy

We may update this privacy policy from time to time. The updated version will be indicated by the "Last updated" date at the top. Continued use of the App after changes constitutes acceptance of the updated policy.

14. Contact Us

If you have any questions or concerns about this privacy policy, please contact us:

Email: info.zolapps@gmail.com
Location: South Africa