# Privacy Policy and Terms of Service for CredyBills
**Last Updated: April 25, 2026**
## 1. Introduction
Welcome to **CredyBills**. This document contains the Privacy Policy and Terms of Service that govern your use of the CredyBills mobile application. By using our service, you agree to the practices described herein.
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## 2. Privacy Policy
### 2.1 Information We Collect
To provide a comprehensive financial tracking experience, CredyBills collects the following types of information:
- **Personal Information**: When you sign up using Google or Facebook, we collect your name, email address, and profile picture.
- **Financial Data**: Information you manually enter or sync, including bank account names, balances, transaction history, expenses, upcoming bills, savings goals, and cryptocurrency portfolio holdings.
- **Usage Data**: Information about how you interact with the app, device information, and crash reports to help us improve performance.
### 2.2 How We Use Your Information
We use the collected data solely for the following purposes:
- **Service Provision**: To display your financial status, track your bills, and manage your portfolio.
- **Notifications**: To send reminders about upcoming due dates (if enabled).
- **Personalization**: To tailor the app experience (e.g., currency preferences and theme).
- **Security**: To protect your account and ensure your data remains private to you.
### 2.3 Data Storage and Security
Your data is securely stored using **Firebase (Google Cloud)**. We implement industry-standard encryption and security rules to ensure that only you can access your financial records.
### 2.4 Third-Party Services
We use the following third-party services to enhance CredyBills:
- **Firebase**: For user authentication, database storage (Firestore), and app analytics.
- **RevenueCat**: To manage in-app purchases and subscriptions securely.
- **Google & Facebook SDKs**: To facilitate secure social logins.
- **CoinGecko API**: To fetch real-time cryptocurrency prices for your portfolio.
- **Exchange Rate APIs**: To provide accurate currency conversions.
*Note: These services have their own privacy policies. We do not sell your personal or financial data to any third parties.*
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## 3. User Data Deletion
We believe you should have full control over your data.
### 3.1 How to Delete Your Data
You can request the permanent deletion of your account and all associated data at any time:
1. **In-App Deletion**: Go to **Settings** > **Account** > **Delete Account**. This will immediately and permanently remove all your transactions, bills, account info, and personal profile from our servers.
2. **Contact Support**: You can also email us at **militante.kim@gmail.com** with the subject "Data Deletion Request" from your registered email address.
### 3.2 What Happens After Deletion?
- All financial records (transactions, bills, goals) are wiped from our database.
- Your authentication profile is deleted from Firebase.
- This action is **irreversible**. Once deleted, your data cannot be recovered.
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## 4. Terms of Service
### 4.1 Eligibility
You must be at least 13 years of age to use CredyBills. By using the app, you represent that you meet this requirement.
### 4.2 User Responsibilities
- You are responsible for maintaining the confidentiality of your login credentials.
- You agree to provide accurate information when using the app.
- You agree not to use the app for any illegal or unauthorized purpose.
### 4.3 No Financial Advice
CredyBills is a tool for tracking and organizing your finances. **We do not provide professional financial, investment, or legal advice.** All calculations, including currency conversions and portfolio valuations, are for informational purposes only. Always consult with a qualified professional before making significant financial decisions.
### 4.4 Limitation of Liability
CredyBills is provided "as is" without warranties of any kind. We are not liable for any financial losses, data inaccuracies, or service interruptions.
### 4.5 Governing Law
These terms are governed by and construed in accordance with the laws of the **Republic of the Philippines**, without regard to its conflict of law principles.
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## 5. Contact Us
If you have any questions or concerns regarding these documents, please contact us at:
**Email**: militante.kim@gmail.com