Privacy Policy - Finzim

Last Updated: 30 November 2025

Introduction

Welcome to Finzim ("we," "our," or "us"). We respect your privacy and are committed to protecting your personal data. This privacy policy explains how we handle your information when you use our financial management application. We operate in compliance with applicable privacy laws, including the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and Indonesian Personal Data Protection Law No. 27 of 2022.

Information We Collect

1. Information You Provide

• Personal Information: Email address (for Premium users)
• Financial Data: Your income, expenses, transfers, and debt records
• Media Content: Photos you upload as transaction proof
• Notes and Categories: Transaction descriptions and categorizations
• Family Data: Family member connections (for FinzimFam users)

2. Automatically Collected Information

• Device Information: Device type, operating system
• App Usage Data: How you interact with our app
• Advertisement ID (Free version only)

How We Use Your Information

Free Version Users

• To provide basic financial management features
• To display relevant advertisements
• To improve app functionality and user experience
• To maintain app security

Premium Version Users

• To provide email authentication and OTP verification
• To sync and backup your data across devices
• To enable FinzimFam features
• To provide ad-free experience
• To enable custom categories and unlimited pockets

Aggregated Financial Data Processing

We may aggregate and anonymize your financial transaction data (such as spending categories, transaction amounts, and merchant types) to create market insights, trends, and statistical reports.

• Aggregated Data Sale: We may sell, license, or share this aggregated and anonymized data with third parties for commercial purposes.
• No PII Sale: We NEVER sell your Personally Identifiable Information (PII) such as your name, email address, password, date of birth, or specific transaction records linked to your identity.
• Opt-Out (CCPA/General): While aggregated data is not considered personal data under many laws, we respect your choice. You may opt-out of data aggregation by contacting us or adjusting your app settings where available.

Data Storage and Security

• Free Version: Data is stored locally on your device
• Premium Version: Data is encrypted and stored on our secure servers
• We implement appropriate security measures to protect your data

Data Sharing

We DO NOT:

• Sell your personal information
• Share your financial data with third parties
• Use your data for purposes other than providing our services

We may share data:

• Between family members (only with FinzimFam feature and your consent)
• With service providers who assist in app operations
• If required by law or legal process

Advertisements

• Free version users will see advertisements
• We use third-party ad providers who may collect basic device information
• Premium users will not see advertisements

Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate data
• Delete your account and data
• Opt-out of email communications
• Request data portability (Premium users)

Children's Privacy

We do not knowingly collect information from children under 13 without parental consent. Parents can manage their children's data through FinzimFam features.

Changes to Privacy Policy

We may update this privacy policy periodically. Users will be notified of significant changes through the app or email.

Regional Compliance

Europe (GDPR)

• Legal Basis: We process your data based on your consent, contractual necessity (to provide the App), and our legitimate interest in improving our services and generating aggregated insights.
• Data Controller: Byacode Labs (support@byacode-labs.com).
• Complaints: You have the right to lodge a complaint with your local data protection authority.

United States (California - CCPA/CPRA)

• Right to Opt-Out of Sale: You have the right to direct us not to sell your personal information. As stated, we only sell anonymized data, but you may contact us to ensure your data is excluded from aggregation.
• Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

Indonesia (PDP Law)

• Cross-Border Transfer: By using Finzim, you acknowledge and consent that your data may be processed and stored on secure servers outside of Indonesia (e.g., Google Cloud Platform) in compliance with Law No. 27 of 2022.

Data Retention and Deletion

• Free Version: Data remains on device until app uninstallation.
• Premium Version: Data retained until account deletion request.
• Account Deletion Request: You may request the complete deletion of your account and all associated data at any time. Please email support@byacode-labs.com with the subject line "DELETE ACCOUNT". We will process your request within 30 days.

Contact Us

If you have questions about this privacy policy or your data, contact us at:
support@byacode-labs.com

Consent

By using Finzim, you consent to this privacy policy and our data practices.