Privacy Policy
1. Who We Are
Talliqo ("we", "us", or "our") is a personal finance application that helps you track expenses, manage budgets, and analyse your spending habits. Our contact email is charlespheonix@gmail.com.
2. Information We Collect
We collect information you provide directly and information generated through your use of the app:
- Account information: Name and email address when you sign in with Google or Apple.
- Financial data: Transaction records, income, expenses, budgets, budget targets, assets, debts, net worth records, savings goals, bill reminders, and other financial information that you create within the app.
- User content: Receipt images, imported files, manual transaction notes, exported report data, and other information you choose to upload, enter, or generate in the app.
- Subscription information: Your Talliqo Pro status, subscription plan, product identifier, purchase identifier, store platform, verification status, and renewal or expiry dates where provided by Apple App Store or Google Play.
- Identifiers and device information: Firebase user ID, app account ID, FCM push notification token, device platform (iOS/Android), app version, and device or advertising identifiers where made available by the operating system or third-party SDKs.
- Advertising and reward information: Ad reward counts, reward credit activity, ad reward dates, and limited device or advertising information processed by advertising providers when ads are requested or shown.
- Usage and diagnostics data: Feature interactions, product interaction data, advertising interaction data, crash data, performance data, and other diagnostics used to operate, secure, and improve the app.
We do not collect bank credentials, payment card numbers, or full App Store or Google Play payment details. Purchases are processed by Apple or Google, not by Talliqo.
3. How We Use Your Information
- Provide and personalise the Talliqo service, including budgets, analytics, insights, alerts, reports, AI coach features, and account-specific content.
- Send bill reminders and budget alerts via push notifications.
- Sync your data across devices via Firebase.
- Verify and maintain your Talliqo Pro subscription access.
- Show ads to free users, load optional rewarded ads, and award in-app credits when a rewarded ad is completed.
- Improve app performance and fix bugs.
- Respond to support requests.
4. Subscriptions and Store Purchases
Talliqo Pro subscriptions are purchased through Apple App Store or Google Play. When you buy, renew, restore, cancel, or otherwise change a subscription, the relevant store processes your payment and may provide Talliqo with limited purchase information needed to verify your entitlement.
We use this information to confirm whether your subscription is active, unlock Pro features, prevent duplicate entitlement issues, restore purchases across devices, and keep a subscription record in your account. We do not receive or store your full payment card number, bank account details, or store account password.
Subscription billing, cancellation, renewal notices, and refunds are handled by Apple App Store or Google Play according to their policies. You can manage or cancel your subscription from your App Store or Google Play account settings.
5. App Store Privacy Categories
For transparency, Talliqo's data practices may include the following App Store privacy categories:
- Contact Info: Name and email address are used for app functionality such as account creation, authentication, account display, and support.
- Financial Info: Other financial information such as income, expenses, budgets, assets, debts, bills, savings goals, and net worth records is linked to your account and used for app functionality and product personalisation.
- Location: We do not request precise location permission. Google AdMob may infer coarse location from IP address or network information for third-party advertising.
- User Content: Photos or videos, such as receipt images, and other user-generated content, such as notes, imports, and reports, are linked to your account and used for app functionality.
- Identifiers: User IDs and device identifiers are used for app functionality, analytics, product personalisation, subscriptions, push notifications, rewarded ads, fraud prevention, and service operation.
- Purchases: Purchase history and subscription status are used for app functionality, including verifying and restoring Talliqo Pro access.
- Usage Data: Product interaction, advertising data, and other usage data may be used for analytics and app functionality, including rewarded ad credits and abuse prevention.
- Diagnostics: Crash data, performance data, and other diagnostic data may be used for app functionality such as debugging, stability, performance, security, and service reliability.
We do not use names, email addresses, financial information, receipt images, or other user financial content for tracking users across other companies' apps or websites.
6. Advertising and Rewarded Ads
Talliqo may use Google AdMob to show advertisements to free users, including optional rewarded advertisements. When an ad is requested or shown, Google AdMob may process information such as device identifiers, advertising identifiers where available, IP address, app information, coarse location inferred from network data, ad interaction data, and diagnostics according to Google's policies.
We use rewarded ad completion signals to add limited in-app credit to your account. We store reward-related fields such as the day an ad reward was granted, the number of ad rewards used that day, and the resulting reward credit balance. Ad credits have no cash value and are used only inside Talliqo.
We do not provide your transaction records, receipt images, budgets, savings goals, or AI coach content to advertising providers for ad targeting.
7. Data Storage and Security
Your data is stored securely in Google Firebase (Firestore and Firebase Storage), which is hosted in Google's cloud infrastructure. Firebase applies industry-standard encryption in transit (TLS) and at rest. Receipt images are stored in Firebase Storage with access restricted to your account only.
Biometric data (fingerprint, Face ID) is processed entirely on your device using iOS/Android system APIs. We never receive or store biometric information.
8. Sharing Your Information
We do not sell, trade, or rent your personal information. We may share data only in these limited circumstances:
- Service providers: Google Firebase (database, storage, authentication, analytics), Google AdMob for advertising, Apple App Store, and Google Play for subscription processing and purchase verification. Each provider is bound by their own privacy policies.
- Legal requirements: When required by law or to protect our legal rights.
- Business transfer: In the event of a merger or acquisition, your data may transfer to the new entity under the same privacy protections.
9. AI Features and Data Processing
Talliqo's AI Coach feature analyses your transaction history to generate personalised financial insights and budget recommendations. This analysis is performed using cloud AI services. You may control AI data processing through AI Privacy Controls in the app settings.
10. Data Retention
We retain your data for as long as your account is active. You may delete your account at any time from Settings → Delete Account, which permanently removes all your data from our servers within 30 days.
11. Your Rights
Depending on your location, you may have the right to:
- Access the personal data we hold about you.
- Request correction of inaccurate data.
- Request deletion of your data.
- Object to or restrict certain processing.
- Data portability (export your data via Settings → Export Data).
To exercise any of these rights, contact us at charlespheonix@gmail.com.
12. Children's Privacy
Talliqo is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can delete it.
13. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes via the app or email. Continued use of Talliqo after changes constitutes acceptance of the updated policy.
14. Contact Us
If you have any questions about this Privacy Policy, please contact us at charlespheonix@gmail.com.