Privacy Policy

        Your Privacy Matters: PYNZO is committed to protecting your personal and financial information. We believe in transparency and give you control over your data.
    

1. Introduction

Welcome to PYNZO ("we," "our," or "us"). This Privacy Policy explains how S-H-K Software Solutions collects, uses, shares, and protects your personal information when you use the PYNZO mobile application ("App") and related services.

By using PYNZO, you agree to the collection and use of information in accordance with this policy. If you do not agree, please do not use our services.

2. Information We Collect

2.1 Information You Provide

Data Type	Purpose	Required?
Account Information Name, email address	Account creation and management	Yes
Financial Data Transactions, budgets, goals, income	Core app functionality	Yes
Voice Recordings Audio for voice transactions	Voice-to-text transaction entry	Optional
Photos Receipt images	Receipt scanning and OCR	Optional

2.2 Information Collected Automatically

Device Information: Device type, operating system, unique device identifiers
Usage Data: App interactions, features used, session duration
Crash Logs: Technical data when errors occur (via Firebase Crashlytics)
Analytics: Anonymized usage patterns to improve the app

2.3 Information from Third Parties

If you sign in with Google or Apple, we receive basic profile information (name, email) as authorized by you.

3. How We Use Your Information

        We use your data to:
        Provide and improve PYNZO's features
Generate personalized financial insights using AI
Process voice commands and receipt images
Send important notifications about your finances
Provide customer support
Ensure security and prevent fraud

    

3.1 AI Processing

PYNZO uses AI services (Google Gemini, OpenAI Whisper, Anthropic Claude) to provide features like:

Voice transaction parsing
Receipt OCR and categorization
Personalized financial coaching
Budget suggestions
Cash flow predictions

Your financial data may be processed by these AI services to generate insights. We do not use your data to train AI models.

4. How We Protect Your Data

        Security Measures:
        Encryption: AES-256 encryption for data at rest and TLS 1.3 for data in transit
Authentication: Secure Firebase Authentication with session management
Access Control: You can only access your own data
Secure Storage: Sensitive data stored in device Keychain/Keystore
App Verification: Firebase App Check prevents unauthorized access

    

5. Data Sharing

5.1 We Do NOT:

Sell your personal data to third parties
Share your financial information for advertising
Display ads in the app
Use your data for purposes unrelated to PYNZO

5.2 We May Share Data With:

Third Party	Purpose	Data Shared
Firebase (Google)	Backend infrastructure, authentication	Account data, transactions
Google Gemini AI	AI features, receipt OCR	Transaction text, receipt images
OpenAI Whisper	Voice-to-text transcription	Voice recordings
Anthropic Claude	Premium AI coaching	Financial summaries for insights
RevenueCat	Subscription management	Purchase status, user ID

5.3 Legal Requirements

We may disclose your information if required by law, court order, or to protect the rights, property, or safety of PYNZO, our users, or others.

6. Data Retention

Account Data: Retained while your account is active
Financial Data: Retained while your account is active
Voice Recordings: Processed immediately and not stored permanently
Receipt Images: Stored until you delete them or your account
Analytics: Retained in anonymized form for up to 2 years

7. Your Rights

You have the right to:

Access: Request a copy of your personal data
Correction: Update or correct inaccurate data
Deletion: Request deletion of your account and data
Export: Download your data (Premium feature)
Opt-out: Disable optional features like voice transactions or receipt scanning

8. How to Delete Your Account

Account Deletion

To permanently delete your PYNZO account and all associated data:

Open PYNZO app
Go to Profile → Settings
Tap "Delete Account"
Confirm deletion

Or email us at: support@pynzo.app

Your data will be permanently deleted within 30 days of your request. This action cannot be undone.

9. Children's Privacy

PYNZO is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us at support@pynzo.app.

10. International Data Transfers

Your data may be transferred to and processed in countries other than your own, including the United States (where our service providers are located). We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by:

Posting the new policy in the app
Updating the "Last Updated" date
Sending an email notification for material changes

Your continued use of PYNZO after changes constitutes acceptance of the updated policy.

12. Third-Party Links

PYNZO may contain links to third-party websites or services. We are not responsible for their privacy practices. We encourage you to read their privacy policies.

13. Contact Us

Questions about this Privacy Policy? Contact us:

Email: support@pynzo.app

Legal Inquiries: legal@pynzo.app

Company: S-H-K Software Solutions

Response Time: We respond to privacy inquiries within 5 business days.

Your Privacy, Our Priority

PYNZO is built with privacy in mind. We collect only what's necessary to provide you with the best personal finance experience. Your financial data belongs to you.