Privacy Policy

nqood (“the app”, “we”, “us”) is a personal budgeting and expense/income tracker. It helps you note what you spend and earn, set savings goals and strategies, schedule reminders for recurring payments, and view your own statistics. nqood does not connect to your bank accounts, does not process or move money, and does not provide any financial, investment, lending, or advisory services. The figures in the app are notes that you type in yourself.

This policy explains what information the app handles, why, and the choices you have.

1. Information we handle

• Account information: your name and email address, and a securely hashed password. If you sign in with Google, we receive your basic Google profile (name, email) to create your account.
• Budgeting content you enter: transactions (amounts, categories, partners/payees, notes), wallets/payment methods you define, financial goals and rules, and scheduled/recurring payments. This is content you create and can edit or delete.
• Voice input (optional): if you use voice capture, the short audio clip you record is sent to our server and to Google’s Gemini AI to transcribe and turn it into a transaction. We do not retain the audio after processing.
• Device & technical data: app version, device model, operating-system version, language, a device/installation identifier, and an advertising identifier.
• Usage & diagnostics: in-app events, performance data, and crash reports, used to keep the app stable and improve it.

2. Permissions we may ask for

• Microphone — only to record voice notes when you tap the mic.
• Notifications — reminders for scheduled payments, goals, and insights. You can turn these off.
• Biometric / device unlock — optional, to lock the app behind your fingerprint/face.

3. How we use the information

• To provide the core features: recording, categorizing, statistics, goals, rules, reminders, and syncing your data across sessions.
• To send essential account emails (verification, password reset).
• To keep the service secure, prevent abuse, and diagnose crashes.
• To show ads (see “Advertising”), where applicable.

4. Service providers we share data with

We do not sell your personal data. We share limited data with providers strictly to run the app:

• Google Firebase (Analytics, Crashlytics, Remote Config) — usage analytics and crash diagnostics.
• Google Gemini API — to parse text and voice into transactions.
• Google AdMob — to serve ads and manage ad consent.
• Brevo — to send transactional emails (verification, password reset).
• Hosting & network — our application server and a content-delivery/security network that route and protect traffic.

These providers process data under their own privacy terms and applicable agreements.

5. Advertising

nqood may show ads via Google AdMob. Where required, we show a consent prompt before any personalized ads, and you can choose non-personalized ads. Ads use an advertising identifier; you can reset or limit it in your device settings.

6. Data storage & security

Your data is stored on our servers and transmitted over encrypted (HTTPS/TLS) connections. Passwords are stored only as secure hashes. Some data is also cached on your device (including an offline queue) so the app works without internet and syncs when you reconnect. No method of transmission or storage is 100% secure, but we apply industry-standard safeguards.

7. Data retention

We keep your account and budgeting data while your account is active. When you delete your account, we delete your personal data from our active systems (backups are rotated out on a normal schedule). Voice audio is not retained after it is transcribed.

8. Your rights & account deletion

You can access and edit your data inside the app. You can delete your account and all associated data at any time:

• In the app: Settings → Delete account.
• On the web: mynqood.com/delete-account

Depending on your region, you may also have rights to access, correct, export, or restrict processing of your data. Contact us to exercise these.

9. Children

nqood is not directed to children under 13 (or the minimum age in your country). We do not knowingly collect data from children.

10. International users

Your data may be processed in countries other than your own by us and our service providers, with appropriate safeguards in place.

11. Changes to this policy

We may update this policy. We will revise the “Last updated” date above and, for material changes, notify you in the app.

12. Contact

Questions or requests: support@mynqood.com