Privacy Policy

Last updated: December 16, 2025

FINCH & POPPY CO. LLC ("us", "we", or "our") operates the FLO mobile application (the "Service"). This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.

Privacy First: FLO is designed with privacy as a core principle. Your financial data stays on YOUR device. We don't have servers collecting your transactions, and we can't see your financial information.

Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you. FLO is designed to keep your data local on your device. We do not collect or transmit your financial data to our servers unless explicitly shared by you (e.g., via exports).

Types of Data Collected

Personal Data: While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). This may include:
- Email addresses for invoicing or contact purposes (optional)
- Client information you enter for invoice generation
- Business name and tax information you provide in settings
Financial Data: The app stores transaction details, budgets, invoices, receipts, mileage logs, and tax estimates locally on your device only. This includes:
- Amounts, dates, merchants, categories, and notes
- Budget allocations and spending limits
- Invoice details and payment tracking
- Tax estimate calculations and quarterly reminders
- Receipt images and extracted data
All financial data is secured with optional biometric (Face ID/Touch ID) or passcode protection.
Location Data: For mileage tracking features, we collect location data (with your explicit permission) to:
- Calculate distances traveled for business purposes
- Track GPS coordinates during trips
- Calculate IRS-compliant mileage deductions
Location data is stored locally on your device only and is never transmitted to our servers. Background location is only used when you actively enable mileage tracking.
Camera/Photos Data: For receipt scanning features, we access your camera or photo library (with your permission) to:
- Capture receipt images
- Extract transaction data via on-device OCR (Optical Character Recognition)
Images are stored locally in the app's secure container and are not uploaded to any server.
Notification Data: If you enable notifications, we use Apple's local notification system to send:
- Quarterly tax deadline reminders
- Invoice payment due alerts
- Budget threshold warnings
- Mileage tracking status updates
These notifications are generated locally on your device.
Usage Data: We may collect non-identifiable information on how the Service is accessed and used, such as:
- App version and build number
- Device type and iOS version
- Crash logs (anonymized) for diagnostics
This helps us improve app performance and fix bugs.

Use of Data

FLO uses the collected data for:

Providing core financial tracking features (transactions, budgets, reports, tax estimates)
Automating tasks like recurring transactions and notifications
Calculating tax estimates based on IRS guidelines
Generating invoices and tracking payments
Recording business mileage for tax deductions
Improving app performance, security, and user experience

We do not share your data with third parties except as required by law or with your explicit consent (e.g., when you export reports or share invoices).

Data Storage and Sync

Local Storage

All your data is stored locally on your device using Apple's SwiftData framework. This means:

Your financial information never leaves your device unless you explicitly export it
We cannot access your data - we don't have the keys or infrastructure to do so
Data is isolated within the app's secure container
If you delete the app, all data is permanently removed from your device

iCloud Sync (Optional - Future Feature)

If you enable iCloud sync in a future version, your data will be stored in your personal iCloud account. This means:

Data is synced across your devices signed in with the same Apple ID
Data is encrypted by Apple in transit and at rest
We still cannot access your data - it's stored in YOUR iCloud, not ours
You can disable iCloud sync at any time in Settings

Bank Account Linking (Future Feature)

Note: This feature is planned for version 2.0 and is not currently available.

When you choose to link bank accounts in a future version, we will use Plaid Inc.'s secure platform to access your transaction data with your explicit permission. This will involve:

Data Retrieved: Account balances, transaction history (typically last 90 days), account holder information
Security: Your bank credentials are NEVER stored by FLO - they remain securely with Plaid using bank-level encryption
Control: You can disconnect linked accounts at any time in Settings
Third Party: Review Plaid's privacy policy at plaid.com/legal

We will update this privacy policy before launching bank linking features.

Security

We value your trust in providing us your Personal Data, thus we are striving to use commercially acceptable means of protecting it:

Local Storage: Data is stored securely on your device using Apple's SwiftData framework with iOS sandboxing
Encryption: Optional biometric (Face ID/Touch ID) or passcode protection adds an additional layer of security
No Cloud Storage: By default, we don't transmit your financial data to any servers
App Lock: Require Face ID, Touch ID, or passcode to access the app
Secure Exports: When you export data, files are encrypted and shared only via iOS secure sharing methods

However, remember that no method of transmission over the internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Your Rights and Choices

You have control over your data:

Access: View all your data within the app at any time
Export: Export your data as CSV or PDF from Settings > Export Data
Delete: Delete individual transactions or all data from Settings > Data Management
Permissions: Manage location, camera, and notification permissions in iOS Settings > FLO
App Deletion: Deleting the app permanently removes all data from your device

Children's Privacy

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us.

California Privacy Rights (CCPA)

If you are a California resident, you have the right to:

Know what personal information we collect and how we use it
Request deletion of your personal information
Opt-out of the sale of personal information (we don't sell your data)

To exercise these rights, contact us at FLOco@gmail.com.

European Privacy Rights (GDPR)

If you are in the European Economic Area (EEA), you have rights including:

Access to your personal data
Rectification of inaccurate data
Erasure ("right to be forgotten")
Data portability (via our export features)

Tax Estimates Disclaimer

Important: FLO provides tax estimation features for informational purposes only. These are NOT official tax advice. See our Legal Disclaimer for full details. Always consult a qualified tax professional before filing taxes or making financial decisions.

Changes to This Privacy Policy

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

Posting the new Privacy Policy on this page
Updating the "Last updated" date at the top
Notifying you via in-app alert for significant changes

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

19. Contact Information

For questions about these Terms of Service, please contact us:

Email: flo.financeapp@gmail.com
Website: floptimizer.github.io
Company: FINCH & POPPY CO. LLC