Privacy Policy

Introduction

AmigoAI ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.

Information We Collect

SMS Data Access

AmigoAI requests permission to read SMS messages solely for the purpose of automatically detecting and categorizing your financial transactions, subscriptions, and expenses. Here's exactly how it works:

• 100% On-Device Processing: SMS messages are processed entirely on your device using local algorithms. Your SMS content is NEVER uploaded to any server, cloud service, or third party.
• Bank SMS Only: We only read SMS from recognized bank senders (e.g., bank short codes). Personal messages, OTPs, and non-financial SMS are completely ignored and never accessed.
• Transaction Detection: Our local parser analyzes bank SMS patterns to identify transactions, subscription charges, and expense notifications.
• No SMS Storage: We do not store the content of your SMS messages. Only extracted transaction metadata (amount, merchant name, date) is saved locally on your device.
• Read-Only Access: We can only READ SMS. The app cannot send, modify, or delete any messages.

Account Information

When you create an account, we collect:

• Email address
• Name (optional)
• Profile preferences

Financial Data

The app stores the following financial information that you input or that is extracted from SMS:

• Transaction amounts and dates
• Merchant/payee names
• Subscription details and renewal dates
• Expense categories
• Account balances (manually entered)

How We Use Your Information

• To provide expense tracking and subscription management features
• To generate AI-powered financial insights and recommendations
• To send subscription renewal reminders
• To improve our services and user experience
• To communicate important updates about the app

Data Storage & Security

We use Supabase as our backend service provider. Your data is:

• Encrypted: All data is encrypted in transit (TLS) and at rest (AES-256)
• Securely Stored: Data is stored in secure, SOC 2 compliant data centers
• Access Controlled: Row-level security ensures you can only access your own data
• Backed Up: Regular automated backups protect against data loss

Data Sharing

We do NOT sell, trade, or rent your personal information to third parties. We may share data only in the following circumstances:

• Service Providers: With trusted partners who assist in operating our app (e.g., Supabase for optional cloud sync of transaction data)
• Legal Requirements: When required by law or to protect our rights
• With Your Consent: When you explicitly authorize us to share information

Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate data
• Delete your account and all associated data
• Export your data
• Withdraw consent for SMS access at any time

SMS Permission Disclosure (Google Play Compliance)

As per Google Play policies, we provide this prominent disclosure about our use of the READ_SMS permission:

This permission is optional. You can use AmigoAI without SMS access by manually entering your transactions. However, the automatic expense tracking feature requires this permission to function.

Children's Privacy

AmigoAI is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Email: support@amigo.finance