Fynacl Privacy Policy

This Privacy Policy explains how Fynacl (the “App”), a personal finance tracking application for Android published under the package name com.fynacl.app, handles your information.

The App is operated by Sollabs Technology FZ-LLC, a Free Zone Limited Liability Company registered with the Ras Al Khaimah Economic Zone Authority (RAKEZ), United Arab Emirates. Registered address: FDBC5800, Compass Building, Al Shohada Road, Al Hamra Industrial Zone-FZ, Ras Al Khaimah, United Arab Emirates.

The short version

Fynacl is designed to operate entirely offline. It does not declare the internet permission, so transmitting your data anywhere is technically impossible. Everything the App processes — your transactions, categories, rules, and settings — is stored locally on your device and never leaves it. We receive nothing.

Information the App processes

Financial transaction data

When a banking SMS alert or banking-app notification is detected and parsed, the App extracts and stores locally:

• Transaction amount and currency
• Merchant name (as extracted from the alert text)
• Transaction type (debit or credit)
• Spending category (assigned automatically or manually)
• Date and time of the transaction
• Source of the alert (SMS or notification)

The raw text of SMS messages and notifications is processed transiently in memory only to extract these fields. Raw message content is never written to storage.

Banking sender configuration

To identify which alerts to process, the App stores the SMS sender IDs (bank shortcodes, e.g. “ENBD”, “FAB-Alert”) you select during setup and the package names of banking apps you authorize for notification reading.

User-defined settings and rules

The App stores locally: custom spending categories you create, custom categorization rules (keyword-to-category mappings), fixed recurring expenses you add manually, spending limits you configure, messages or keywords you choose to ignore, and application preferences (notification schedule, language, feature toggles).

Technical metrics

The App stores local timestamps tracking when data was last ingested and how many duplicate transactions were skipped, used solely to display reliability status within the App.

Information the App does not collect

The App does not collect, transmit, or share any of the following:

• Personal identity information (name, email address, ID number, etc.)
• Location data
• Contact list data
• Device identifiers or advertising IDs
• Analytics, usage statistics, or crash reports
• Any data sent to external servers, cloud services, or third parties

The App does not have internet access. The INTERNET permission is not declared in the application manifest, making external data transmission technically impossible.

On-device artificial intelligence

The App uses a machine-learning model (all-MiniLM-L6-v2, quantized to INT8) bundled within the application package to classify spending categories for parsed transactions. The model runs entirely on your device. No transaction data, message content, or any other information is sent to any cloud-based AI service.

Permissions used

• READ_SMS and RECEIVE_SMS — used to read SMS alerts from UAE banking institutions that you select during setup. The App only processes messages from sender IDs you have authorized; other SMS messages are discarded without being read or stored.
• Notification listener (system permission) — used to read notifications from banking applications you explicitly whitelist. A noise filter rejects OTPs, promotional messages, balance inquiries, and other non-transactional content before any information is processed.
• POST_NOTIFICATIONS — used to deliver local spending summaries, weekly insights, monthly recaps, and spending-limit alerts on Android 13 (API level 33) or higher. No notifications are sent from a remote server.

Purchases and billing

The App currently offers its core features at no charge and is distributed directly with an offline activation key. If premium features are introduced through an app store in the future, purchases would be processed exclusively through Google Play Billing, with payment information handled entirely by Google under Google’s own Privacy Policy. The App does not receive, store, or process any payment card details.

Data storage and security

All application data is stored in a local SQLite database and app preferences on your device. No data is stored in any cloud service. The security of your data is subject to your device’s own security settings (screen lock, encryption, etc.).

Cloud backup

The App explicitly disables Android’s automatic cloud backup feature for all application data, including the transaction database and preferences. No application data is backed up to Google Drive or any other cloud service through Android’s backup system.

Data deletion and user control

You may delete all locally stored data at any time from Settings → Purge All Data within the App. This action is irreversible and removes all transaction records, rules, preferences, and other application data from your device. You may also disable SMS ingestion or notification reading at any time from the App’s Settings screen. Uninstalling the App removes all application data from your device.

Children’s privacy

The App is intended for adults managing personal finances. It is not directed at children under the age of 13, and it does not knowingly collect information from children.

Changes to this policy

This Privacy Policy may be updated from time to time. The updated version will be made available on this page and within the App, with an updated revision date. Continued use of the App after an update constitutes acceptance of the revised policy.

Contact

For questions or concerns about this Privacy Policy, contact Sollabs Technology FZ-LLC at salehsa1214@gmail.com.

This Privacy Policy is governed by the laws of the United Arab Emirates.