1. Introduction

FundzIQ (“we”, “our”, or “the App”) respects your privacy. This Privacy Policy explains how FundzIQ collects, uses, stores, and protects your information when you use the mobile application.

FundzIQ is designed as an offline-first personal finance application. Your financial information is stored locally on your device by default, and we do not collect, store, or access your financial records on our servers in the current version of the app.

By using FundzIQ, you agree to the practices described in this Privacy Policy.

2. Information We Collect

Information You Choose to Provide

FundzIQ may allow you to optionally provide:

• Name

• Email address

Providing this information is entirely optional and is not required to use the core features of the app.

Financial Information

The financial information you enter into FundzIQ may include:

• Income records

• Expense records

• Savings goals

• Categories

• App preferences

• Other budgeting information

This information is stored locally on your device unless you choose to export it.

3. How We Use Your Information

FundzIQ uses your information only to provide the features of the application, including:

• Managing your monthly financial plans

• Tracking income, expenses, and savings

• Calculating balances and financial summaries

• Remembering your preferences

• Supporting data export and import

We do not use your financial information for advertising or marketing purposes.

4. How Your Data Is Stored

FundzIQ is designed to keep your information on your own device.

The financial information you add to the app stays on your device and is not automatically shared with us or anyone else.

If you choose to export your data, the app will create a backup file that you can save or transfer yourself. You are responsible for keeping any exported files secure.