1. Controller
The controller within the meaning of the General Data Protection Regulation for the Fintraq mobile app is:
André Neubert
Mainz, Germany
Email: contact@andreneubert.com
2. Scope
This Privacy Policy applies exclusively to the Fintraq mobile app for Android and iOS. It describes which personal data is processed in connection with installing, using, and receiving support for the app.
Fintraq is an app for private financial planning. The app processes planning data relating in particular to accounts, budgets, fixed costs, income, loans, goals, transfers, notifications, and app settings.
3. Local Processing Principle
Fintraq is designed for local use. Financial data entered by you is stored on your device. There is no user account, no bank connection, and no server synchronization by André Neubert.
Your financial planning data is not transmitted to André Neubert, Google AdMob, or other advertising service providers unless you actively transmit such data yourself, for example in connection with a support request.
4. Categories of Data Processed
In connection with the use of the app, the following categories of data may in particular be processed:
- financial planning data, such as account names, account balances, income, budgets, expenses, fixed costs, loans, goals, transfers, and monthly plans;
- app and usage settings, such as currency, notification settings, debugging settings, display options, and saved app configurations;
- local backup files, if you use an export or import function;
- technical advertising and device data, insofar as advertising is displayed via Google AdMob;
- contact and content data if you voluntarily request support by email.
5. Purposes and Legal Bases
Processing is carried out for the following purposes and on the following legal bases:
- provision of the financial planning functions of the app on the basis of Art. 6(1)(b) GDPR or Art. 6(1)(f) GDPR;
- storage of app settings and local planning data for proper app use on the basis of Art. 6(1)(b) GDPR or Art. 6(1)(f) GDPR;
- display and management of local notifications on the basis of your device settings and, where required, your consent pursuant to Art. 6(1)(a) GDPR;
- display, frequency capping, security, and measurement of advertising via Google AdMob on the basis of Art. 6(1)(a) GDPR or Art. 6(1)(f) GDPR;
- handling of voluntary support requests on the basis of Art. 6(1)(b) GDPR or Art. 6(1)(f) GDPR.
6. Backups and Import
Fintraq may allow the export and import of backup files. An exported backup file may contain sensitive financial planning data. You are responsible for the secure storage, disclosure, and deletion of exported backup files.
7. Notifications
Fintraq may schedule local reminders and notifications on your device, for example regarding budgets, fixed costs, or monthly planning topics. These notifications are triggered by the app and the operating system. Fintraq does not operate its own push server.
Depending on your device settings, notification text may contain financial hints. You can disable or adjust notifications in the app and in your device system settings.
8. Advertising with Google AdMob
Fintraq may display advertising via Google AdMob and the Google Mobile Ads SDK, in particular interstitial ads at carefully selected points in the app. The provider is Google Ireland Limited, Gordon House, Barrow Street, Dublin 4, Ireland. Depending on the processing, Google LLC, USA, may also be involved.
When providing, delivering, limiting, and measuring ads, Google may process, in particular, device and app information, IP address, advertising ID or other device identifiers, ad interactions, diagnostic and performance data, and approximate location insofar as this is derived from technical data.
Fintraq does not transmit financial planning data entered by you, such as account balances, budgets, loans, goals, or transfers, to Google.
Where legally required, Fintraq obtains consent before accessing local storage technologies, device identifiers, or before using personalized advertising. For users in the European Economic Area, the United Kingdom, and Switzerland, a Google-supported consent solution or an appropriately configured consent prompt is used for this purpose. Without required consent, non-personalized ads may be displayed or advertising functions may be restricted.
Further information is available from Google:
9. App Stores
If you download Fintraq from Google Play or the Apple App Store, Google or Apple independently process data in connection with the download, store use, payment processing, device information, reviews, and support processes. The privacy information of the respective store operator applies to such processing.
10. Support and Contact
If you contact us by email regarding Fintraq, your email address, the content of your message, and the information you voluntarily provide will be processed in order to respond to your request. Please transmit sensitive financial data only if this is necessary for handling your request.
11. Recipients and Third-Country Transfers
Your locally entered financial planning data is not transmitted to André Neubert or to advertising service providers unless you actively transmit such data yourself.
In connection with advertising and app store use, Google, Apple, and, where applicable, their service providers may process data as independent controllers or processors. This may involve transfers to countries outside the EU or the EEA. According to their own statements, the providers rely on appropriate safeguards for such transfers, in particular adequacy decisions or EU Standard Contractual Clauses.
12. Retention Period
Local app data remains stored on your device until you delete it in the app, overwrite a backup, or remove the app or its data. Support requests are stored only for as long as necessary to handle the request and to comply with any statutory retention obligations.
13. Your Rights
Subject to the statutory requirements, you have the right of access, rectification, erasure, restriction of processing, data portability, and objection. You may withdraw consent at any time with effect for the future.
You also have the right to lodge a complaint with a data protection supervisory authority if you consider that the processing of your personal data infringes data protection law.
14. No Automated Decision-Making
André Neubert does not carry out automated decision-making, including profiling, within the meaning of Art. 22 GDPR. To the extent that Google uses its own procedures in connection with advertising, Google's privacy information and settings apply.
15. Children and Minors
Fintraq is not specifically directed at children under the age of 16.
16. Security
Fintraq processes sensitive financial planning data. You should therefore carefully protect your device, exported backup files, and other backups. Use device locks, secure storage locations, and do not disclose backup files to third parties without due care.
17. Changes
This Privacy Policy may be amended if Fintraq, integrated services, or legal requirements change. The current version is available at this URL.