Privacy Policy

1. Introduction

Numerant ("we", "our", or "us") is committed to protecting your personal information. This Privacy Policy explains what data we collect, how we use it, who we share it with, and your rights in relation to that data. By using Numerant, you agree to the practices described in this policy. If you do not agree, please discontinue use of the app immediately.

2. Data We Collect

We collect the following categories of data:

• Account Data: Email address and authentication credentials when you register or sign in via email or Google.
• Financial Data: Transactions, budgets, recurring entries, business profiles, and any other financial information you manually enter into the app. This data is stored exclusively in your account and is not analysed, sold, or shared.
• Device Data: Device type, operating system version, crash logs, and diagnostic data collected automatically to maintain app stability.
• Usage Data: Anonymous, aggregated data about how features are used (e.g., which screens are visited). This data cannot identify you individually.
• Biometric Reference: If you enable biometric authentication, your biometric data is processed entirely on-device by your operating system. We never receive, store, or transmit biometric data.

3. How We Use Your Data

We use your data solely to:

• Provide, operate, and improve the Numerant service.
• Authenticate your identity securely.
• Sync your financial data across your devices via your account.
• Send transactional communications (e.g., email verification, security alerts).
• Detect, investigate, and prevent fraudulent or unlawful activity.
• Comply with applicable legal obligations.

We do not use your data for advertising, behavioural profiling, or any purpose beyond the above.

4. Data Storage & Security

Your data is stored using Google Firebase, which provides industry-standard encryption in transit (TLS) and at rest (AES-256). We implement access controls, authentication requirements, and PIN/biometric protections within the app.

No method of electronic transmission or storage is 100% secure. While we take commercially reasonable steps to protect your data, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.

5. Data Retention

We retain your data for as long as your account remains active. If you delete your account, your personal data and financial records are permanently deleted from our systems within 30 days, except where retention is required by applicable law (e.g., fraud prevention, legal proceedings).

6. Sharing of Data

We do not sell, rent, or trade your personal data. We may share data only in the following limited circumstances:

• Service Providers: Third-party providers who assist us in operating the app (e.g., Firebase for data storage, Resend for email delivery). These providers are contractually bound to handle data securely and only as instructed by us.
• Legal Requirements: If required by law, court order, or governmental authority, we may disclose data to comply with such obligations.
• Business Transfer: In the event of a merger, acquisition, or sale of assets, your data may be transferred to the successor entity, subject to the same protections described in this policy.
• With Your Consent: We will share data with third parties only if you explicitly authorise us to do so.

7. Third-Party Services

Numerant integrates with the following third-party services:

• Google Firebase (authentication and database) — firebase.google.com/support/privacy
• Google Sign-In (authentication) — policies.google.com/privacy
• Resend (transactional email) — resend.com/privacy
• RevenueCat (subscription management) — revenuecat.com/privacy
• Anthropic Claude (AI-powered research and analysis) — anthropic.com/privacy
• CoinGecko (cryptocurrency market data) — coingecko.com/en/privacy
• GoldAPI.io (precious metals price data) — goldapi.io/privacy
• Open Exchange Rates (currency exchange rates) — openexchangerates.org/privacy

When you use the Research feature, asset data (ticker symbol, asset type) is sent to Anthropic's Claude API to generate educational overviews. No personally identifiable information is included in these requests.

These services have their own privacy policies. We encourage you to review them. We are not responsible for the data practices of these third parties beyond our contractual obligations with them.

8. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

• Access: Request a copy of the data we hold about you.
• Rectification: Request correction of inaccurate or incomplete data.
• Erasure: Request deletion of your data ("right to be forgotten").
• Restriction: Request that we limit how we process your data.
• Portability: Request your data in a structured, machine-readable format.
• Objection: Object to our processing of your data in certain circumstances.
• Withdrawal of Consent: Where processing is based on consent, withdraw it at any time.

To exercise any of these rights, contact us at support@numerant.app. We will respond within 30 days. We may need to verify your identity before fulfilling any request.

9. Children's Privacy

Numerant is not directed at children under the age of 13 (or 16 where required by local law). We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us at support@numerant.app and we will delete it promptly.

10. International Data Transfers

Your data may be processed and stored on servers located outside your country of residence, including in the United States and the European Union. Where data is transferred outside your jurisdiction, we ensure appropriate safeguards are in place (such as Standard Contractual Clauses) to protect your data in accordance with applicable law.

11. Cookies & Tracking

The Numerant mobile application does not use cookies. We may use anonymous, aggregated analytics to understand how the app is used. This data cannot identify individual users and is used solely to improve the product.

12. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last Updated" date at the top of this page. If changes are material, we will notify you via email or an in-app notice. Your continued use of Numerant after any update constitutes your acceptance of the revised policy.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your data, please contact us at:

Numerant
support@numerant.app

We take privacy seriously and will respond to all enquiries within 30 days.