Privacy Policy

Effective [date]

1.Who we are

Nokho is a personal finance tracker operated by Torang Dev ("we", "us"). If you have a question about this policy or your data, contact us at torangdev@gmail.com.

2.Guest mode and accounts

Guest mode. You can use Nokho without signing in. Your transactions, wallets and other records are stored only on your device. We can't see them and we can't restore them if you uninstall the app or lose your phone.

Signed-in mode. If you create an account, the app syncs your records to our server so they are backed up and can be restored on another device.

3.Information we collect

Account and profile

• Email address and sign-in details, handled by Firebase Authentication (email and password, or Google sign-in). We never see or store your password.
• Profile details you choose to give: name, occupation, date of birth, gender and profile photo.

Financial records you enter

• Transactions, categories, wallets and transfers between wallets.
• Debts, subscriptions and income sources.
• Reward points earned in the app.

Nokho does not connect to your bank and does not collect bank logins, card numbers or account numbers. Everything in the app is what you type in yourself.

AI assistant conversations

Messages you send to Nokho and the replies it gives. See section 5.

Device and advertising data

Our advertising partner may collect your device's advertising ID, approximate location derived from your IP address, and information about how you interact with ads. See section 6.

What we don't collect

Reminder notifications are scheduled on your device and their times are not sent to us. We don't read your contacts, SMS or precise location.

4.How we use your information

• To provide the app: store, sync and restore your records.
• To sign you in and keep your account secure.
• To let Nokho answer questions and add or update records when you ask it to.
• To show ads that help keep Nokho free.
• To fix problems, prevent abuse and improve the app.

5.Nokho, the AI assistant

When you chat with Nokho, your message and the context needed to answer it (for example the records you ask about) are sent through our server to an AI model provider, currently Google Gemini API, which generates the reply.

• When you ask Nokho to record something, such as a transaction or a debt, it creates or updates that record in your account.
• Don't share passwords, card numbers, ID numbers or other sensitive details in chat.
• The AI provider processes your messages under its own terms and privacy policy and may keep them for a limited time for safety and abuse monitoring. [Confirm against your provider's terms; some free tiers may use prompts to improve their models, and that must be stated here]
• We don't use your conversations to train our own AI models.

Nokho's replies are generated automatically and can be wrong. They are not financial advice.

6.Advertising

Nokho shows ads provided by Google AdMob. The ad provider may use your advertising ID and similar identifiers to show and measure ads, including personalised ads where the law and your device settings allow it.

You can reset or delete your advertising ID, or turn off ad personalisation, in your phone's settings. Your financial records and chat messages are not shared with advertisers.

7.Who we share data with

We share data only with service providers that help us run Nokho:

• Google Firebase for sign-in.
• Our hosting provider, Google Cloud Run, where the backup of your records is stored.
• Our AI model provider, for messages you send to Nokho.
• Our advertising partner, for the device and ad data in section 6.

We don't sell your personal data. We may disclose information if the law requires it or to protect the rights and safety of our users.

8.Storage and security

Data travels between the app and our server over encrypted connections (HTTPS), and each request is checked against your sign-in so only you can reach your records. No system is perfectly secure, so we can't guarantee absolute security. Protect your phone with a screen lock and keep your password private.

Our providers may process data in countries other than your own. When they do, we rely on the safeguards those providers put in place.

9.Keeping and deleting your data

We keep your account data for as long as your account exists.

You can delete your account at any time on the account deletion page. Deleting removes your profile, photo and all backed-up records from our server right away. Data still on your phone is removed when you log out of the app or uninstall it.

All Data will be deleted once you confirm your deletion account

10.Your choices and rights

• See and correct your profile in the app.
• Use Nokho as a guest without giving us any personal data.
• Delete your account and backed-up data.
• Ask us for a copy of your data, or ask a question about how it's used, at torangdev@gmail.com.

Depending on where you live, the law may give you further rights over your personal data. We'll respond to requests within the time the law requires.

11.Children

Nokho is not intended for children under [minimum age, for example 13]. We don't knowingly collect personal data from them. If you believe a child has given us personal data, contact us and we'll delete it.

12.Changes to this policy

We may update this policy as the app changes. When we do, we'll change the effective date above, and for significant changes we'll tell you in the app.

13.Contact

Torang Dev @ art0fsom3th1n9
torangdev@gmail.com
Indonesia, North Sulawesi Manado