Last Updated: 03.10.2025

This Privacy Policy explains how Penny Echo Finance Tracker (“we”, “our”, “us”) collects, uses, and protects your personal data in compliance with GDPR and other European privacy laws.

1️⃣ Data We Collect

• Account information (email, preferences, settings)
• Voice input data (processed to extract transaction info, not stored longer than necessary)
• Usage data (how you interact with the App, analytics, crash reports)

2️⃣ How We Use Data

• To provide and improve the App
• To personalize features
• To ensure security and prevent fraud
• To comply with legal obligations

3️⃣ Data Storage & Retention

• Data is stored securely on EU servers.
• Voice data is deleted or anonymised after processing.
• We retain data only as long as necessary for the service or legal obligations.

4️⃣ Legal Basis for Processing (GDPR Art. 6)