Privacy Policy

for the mobile application FinanzPlaner (Android, distributed via Google Play)
Effective date: 10 October 2026

1. Data controller

The controller responsible for this app under the EU General Data Protection Regulation (GDPR) and other applicable data protection laws is:

The same contact details are also available in the Google Play listing and in the app under More → Privacy.

2. Scope of this policy

This privacy policy explains which personal data is processed when you use the FinanzPlaner app, for which purposes, on which legal bases, and which rights you have.

FinanzPlaner is a household budget book for organising income, expenses, budgets, accounts, goals and optional receipt photos.

3. Key point: local processing

FinanzPlaner is designed as a local app:

• Your financial and household data is generally stored only on your device (local database and local files).
• There is no user account with the provider and no central server operated by the provider that stores your transactions, budgets or receipts.
• In normal operation, the provider does not receive your household data.

Where the app still uses device features or third-party components (e.g. fonts, on-device text recognition, operating-system APIs), this is described below.

4. What data is processed?

4.1 Content you enter (local app data)

Depending on use, the following may be stored locally:

• Transactions (amounts, dates, notes, income/expense type)
• Categories, budget limits, accounts, household members
• Savings goals and progress
• Recurring rules (e.g. rent, salary, subscriptions)
• Settings (e.g. language, appearance, payday, carry-over)
• Optional: receipt photos / gallery images
• Optional: local backups you create or restore

Legal basis: Art. 6(1)(b) GDPR (performance of the contract / use of the app) and/or Art. 6(1)(f) GDPR (legitimate interest in providing a functioning app), where processing is technically necessary.

4.2 App lock (PIN / biometrics)

If you enable an app lock, the related settings are processed locally. Biometric authentication (e.g. fingerprint, face unlock) uses the operating-system interfaces. The app does not read, store or transmit biometric raw data to the provider.

Legal basis: Art. 6(1)(a) GDPR (consent by enabling the feature) and/or Art. 6(1)(f) GDPR (protecting data stored on the device).

4.3 Notifications

You may optionally enable local notifications (e.g. budget alerts, recurring reminders, daily remaining-budget tips). These are scheduled and shown on the device. They are not sent to a server of the provider.

Legal basis: Art. 6(1)(a) GDPR (consent by enabling the setting / system permission).

4.4 Camera and photos (receipts)

Camera/photo access is used only when you capture a receipt or pick an image from the gallery. Images are stored locally in the app and may optionally be analysed with on-device text recognition (see below).

4.5 Home-screen widgets

If you use widgets, selected figures (e.g. remaining budget) are passed locally to the operating system’s widget display. This does not transmit data to the provider.

5. Internet access and third-party services

The app requests Internet permission. Household budget data is not transmitted to the provider via that permission. Internet access may be used in particular for:

• Fonts (Google Fonts via the google_fonts package): Loading fonts may establish a connection to Google servers. Technically necessary connection data (e.g. IP address, timestamp, device/client information) may be processed by Google. See Google’s Privacy Policy.
• Google ML Kit (text recognition for receipts): Text recognition supports optional amount suggestions from receipt images and is intended as an on-device feature. Where Google provides or updates model/library components, Google’s terms and privacy notices apply.
• Sharing / export: If you yourself use backup, CSV, PDF or share features, files are handed to the destination app or storage location you choose (e.g. email, cloud, file manager). Further processing there is governed by that provider’s terms. The FinanzPlaner provider does not automatically receive those exports.
• Google Play / Android system: Independently of FinanzPlaner, Google or the device manufacturer may process data in connection with installation, updates, crash reports (if enabled system-wide) or Play services. The app provider has only limited influence on that.

Legal basis for technically necessary connections: Art. 6(1)(f) GDPR (legitimate interest in stable presentation and functionality). Where consent is required (e.g. optional permissions), Art. 6(1)(a) GDPR.

6. Purposes of processing

• Providing and operating the local household budget book
• Showing budgets, reports, forecasts and widgets
• Optional receipt capture and text recognition
• Optional security (PIN/biometrics) and reminders
• Exports/backups triggered by you
• Compliance with legal obligations of the provider, where applicable

7. Retention

Local app data remains on your device until you delete it in the app, use a reset function, or uninstall the app. After uninstallation, the operating system usually removes the app data; exceptions may include export files you saved outside the app.

8. Sharing of data

Your household data is not shared with the provider or third parties unless:

• you yourself trigger an export/share action, or
• there is a legal obligation, or
• technically unavoidable connection data arises when you use third-party services (see section 5).

User data is not sold.

9. Tracking, advertising, profiling

FinanzPlaner contains no ads and no tracking for advertising purposes. The provider does not perform profiling for marketing purposes.

10. Children

The app is not specifically directed at children. The provider does not knowingly collect data from minors via central accounts, because no such accounts exist.

11. Security

Protecting your data depends largely on the security of your device (screen lock, up-to-date system, trusted apps). Within FinanzPlaner you can optionally enable an app lock (PIN/biometrics). No system can guarantee absolute security.

12. Your rights

Where the GDPR applies, you have in particular the rights to:

• Access (Art. 15 GDPR)
• Rectification (Art. 16 GDPR)
• Erasure (Art. 17 GDPR)
• Restriction of processing (Art. 18 GDPR)
• Data portability (Art. 20 GDPR)
• Objection (Art. 21 GDPR)
• Withdraw consent (Art. 7(3) GDPR) with effect for the future

Because financial data is stored locally on your device, you can usually view, edit, export or delete it at any time in the app. For requests to the controller, use the contact details in section 1.

You also have the right to lodge a complaint with a supervisory authority (Art. 77 GDPR), for example the authority competent for your place of residence in the EU/EEA.

13. Obligation to provide data

Using FinanzPlaner does not require transmitting household data to the provider. Without local entries, however, the core features of the app cannot be used meaningfully.

14. Automated decision-making

The provider does not carry out automated decision-making within the meaning of Art. 22 GDPR.

15. Changes to this policy

We may update this policy if the app, legal requirements or integrated services change. The current version is provided at this URL and in the app under More → Privacy. The published version with the stated effective date applies.

16. Google Play note

This privacy policy is publicly available at an HTTPS URL and describes the data processing of the FinanzPlaner app. It applies to the store listing and to the information linked or shown in the app.