Privacy Policy

1. Information We Collect

Account information. When you create a Wizo account using Google Sign-In or Sign in with Apple, we receive basic profile details such as your name, email address, and a unique identifier from that provider. If you use Guest mode, we do not collect this information and your data is associated with your device only.

Financial information you provide. Wizo is a personal finance app, so most of the information in your account is financial data you choose to enter, including transactions, income and expenses, account and wallet balances, budgets, savings goals, loans, EMIs, recurring bills, categories, tags, and notes.

Receipts and quick-entry inputs. If you scan a receipt, speak an entry, or type a quick expense, we process the image, audio, or text you provide to extract details such as merchant, amount, date, and category. This input is processed to populate your transaction and is not used for any purpose beyond providing this feature.

Device and usage information. We may automatically collect technical information such as device model, operating system version, app version, language settings, crash logs, and general usage patterns to help us maintain and improve the Service.

Information from sign-in providers. If you sign in with Google or Apple, those providers may share limited profile information with us as permitted by your settings with them and their own privacy policies.

2. How We Use Your Information

We use the information described above to:

• Provide, operate, and maintain the Service, including tracking, budgeting, goals, and insights features;
• Sync and back up your data across your devices when cloud sync is enabled;
• Generate the calculations, summaries, and insights shown in the app, such as your Financial Health Score;
• Respond to support requests and communicate with you about the Service;
• Maintain the security, integrity, and reliability of the Service, including detecting and preventing fraud or misuse;
• Improve and develop new features based on aggregated or anonymized usage patterns; and
• Comply with applicable law.

We do not use the contents of your transactions to sell you third-party financial products or for targeted advertising.

3. How Your Data Is Stored

Wizo is designed to work offline-first: your data is stored locally on your device so you can view and record transactions without an internet connection. When cloud sync and backup are enabled, your data is also stored on secure cloud infrastructure so it stays consistent across devices and can be restored if you change or reinstall your device.

4. How We Share Information

We do not sell your personal or financial information. We may share information with:

• Service providers who host our infrastructure, provide cloud storage and sync, or process crash reports, under obligations to protect your information;
• Sign-in providers (Google, Apple) as necessary to authenticate your account;
• Legal and safety purposes, where we believe disclosure is necessary to comply with the law, enforce our Terms of Use, or protect the rights, property, or safety of Wizo, our users, or others; and
• A successor in connection with a merger, acquisition, or sale of assets, subject to this Policy or a policy at least as protective.

5. Data Retention

We retain your account and financial data for as long as your account is active, or as needed to provide the Service. If you delete your account, we delete or anonymize your personal data within a reasonable period, except where we are required to retain it to comply with legal obligations, resolve disputes, or enforce our agreements.

6. Your Rights and Choices

Depending on your location, you may have rights to access, correct, export, or delete your personal information. Within the app, you can:

• Edit or delete individual transactions, accounts, budgets, goals, and loans at any time;
• Export your data where this feature is available; and
• Disable cloud sync or delete your account, which removes your data from our servers subject to the retention terms above.

To make a request that cannot be completed in-app, contact us using the details below.

7. Children's Privacy

Wizo is not directed at children under the age of 16, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can delete it.

8. International Data Transfers

Your information may be stored and processed in countries other than the one in which you live, including where our cloud service providers operate infrastructure. We take steps to ensure that any such transfers comply with applicable data protection laws.

9. Security

We use reasonable administrative, technical, and organizational safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction. No method of storage or transmission is completely secure, so we cannot guarantee absolute security.

10. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will update the "Last updated" date above and, where appropriate, notify you through the app or by other means.

11. Contact Us

If you have questions about this Privacy Policy or how we handle your information, contact us at support@loomchip.com.