Privacy at a Glance
Manual Entry: Your financial information is entered manually. No direct bank links.
On Your Device and Your Drive: Your financial data is stored on your device and synced to your own Google Drive.
Google Sign-in: You sign in with Google. Your data is synced to a hidden app folder in your own Google Drive.
Optional AI: Ask Pitaka is optional and processes data securely via Google Gemini.
Stays Connected: Pitaka+ keeps an encrypted sign-in key so Google Drive sync stays connected. It holds none of your data and can't read files by itself.
Data Protection: The financial information you enter is never sold or used to personalize advertisements.
1. Introduction
Welcome to Pitaka+. We are fully committed to protecting your privacy and security. Because we understand how personal and important financial planning is, we designed Pitaka+ with a focus on transparency, offline flexibility, and giving you control over your data.
We believe that you should have control over how you store and access your financial records. This policy outlines in plain, readable English exactly how your information is saved, accessed, and managed.
2. Information We Collect
Manual Data Entry
Pitaka+ does not connect directly to your bank accounts, digital wallets, or other financial institutions. All financial information is entered manually by you.
Specifically, we track and store:
- Account Names & Custom Labels
- Manual Account Balances
- Savings Goal details
- Monthly balance snapshot histories
- Ask Pitaka chat conversations (if enabled)
- Your first name and a Google account identifier, when you sign in with Google.
- An encrypted Google sign-in key, created when you sign in, so Google Drive sync stays connected without asking you to sign in every hour. It contains none of your data.
- Your email address, stored encrypted, so we can find your account for payments and support, and later to send you notices about your account.
- If you turn on notifications: a push address for each phone, given by your phone's browser, and the date of your next reminder. It contains no names, amounts or other financial data.
- Your free trial or pass end date, so the app knows when your access ends.
- The type of device and browser you sign in from (for example, "iPhone · Safari") and when it was last used, so you can see and sign out your devices.
- Basic device and browser information to improve compatibility and user experience.
- General anonymized performance and usage analytics
3. How We Use Your Information
We process the information you record solely to operate and improve your wealth-tracking companion:
Personalized Dashboard
To calculate and display your net worth and financial dashboard.
Goal Tracking
To track your progress toward your savings goals and milestones.
Historical Snapshots
To plot month-over-month growth trends and track your financial trajectory.
Ask Pitaka
To generate personalized insights and responses based on the information you choose to share.
Application Diagnostics
To monitor bugs, lag spikes, and ensure optimal performance.
Customer Support
To answer your questions when you contact our support team.
4. Ask Pitaka
Pitaka+ includes an optional feature, Ask Pitaka, to help you analyze your finances. AI conversations are processed by Google Gemini.
How it works: Your chat messages and the financial information you choose to share are processed by Google Gemini to generate helpful insights and responses.
If you add your own Gemini API key, it is stored encrypted and only usable by you.
Never share credentials: For your security, you should never share passwords, PINs, OTPs, banking credentials, or specific live account numbers inside the chat. The advisor only needs manual numbers to help you plan.
Informational only: Any replies or ideas provided by Ask Pitaka are for educational and informational purposes only. They do not constitute financial or legal advice.
5. Data Storage & Security
Your data is stored on your device and synced to your own Google Drive. We do not sell your personal information. The financial information you enter into Pitaka+ is not used by us to personalize advertisements.
Your synced financial data is stored in your personal Google Drive's app data, which you control.
Staying connected to Google Drive: When you sign in, Google gives Pitaka+ a sign-in key so your Google Drive stays connected. It is stored encrypted, contains none of your data, and only gives access to Pitaka+'s own files in your Google Drive, never your other files. Your financial records are never stored on our server; they stay on your device and in your Google Drive.
Pitaka+'s use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements.
While we use reasonable security measures to protect your data, no method of electronic storage or internet transmission can guarantee complete security.
6. Data Retention
We only retain data for as long as necessary to provide you with Pitaka+ services or as specified below:
Local Data: Your manually entered financial records remain stored on your device until you choose to delete them (e.g., by clearing your browser cache or using "Clear App Data" (start over and stay signed in) or "Delete account" in Settings).
Deleting your account: "Delete account" in Settings deletes your data on this device and in your Google Drive, your email, your sign-in key, your device details, your notification settings and your saved Gemini API key, and signs you out on all devices. We keep only your Google account identifier and your trial or pass end date, so a paid pass isn't lost if you come back. This record contains no name, email or financial data.
Payments: Payments are handled by our payment provider, which keeps its own payment records under its privacy policy and Philippine tax law.
Notifications: A phone's push address is deleted when you turn notifications off on that phone, when the phone's browser reports it no longer works, after 45 days without opening Pitaka+ on that phone, or when you use Clear App Data or Delete account. The reminder date is replaced by the next one each time, and deleted when there is none.
Sign-in Key: Kept while you use Pitaka+. Removing Pitaka+'s access in your Google Account disables it and signs you out on all devices. Keys unused for 6 months are deleted automatically.
Device Details: Device details are kept only while that device is signed in, and are deleted when it signs out or after 6 months without use.
Google Drive Backups: Your synced data remains in your own Google Drive account until you clear it with Clear App Data in Settings, or delete Pitaka+'s hidden app data in Google Drive (Settings → Manage apps).
AI Conversations: If you use Ask Pitaka, the information you choose to share is processed by Google Gemini. Any retention of that information is governed by Google's applicable API and privacy policies.
Analytics Data: Performance metrics and anonymous platform usage telemetry are stored and retained according to the analytics provider's policies.
7. Third-Party Services
We restrict our use of external vendors to preserve speed, security, and anonymity. The specific services utilized are:
Cloudflare
Hosts the Pitaka+ app and its secure server, where the encrypted sign-in key and your sign-in sessions are stored.
Google Drive API
Required only if you explicitly choose to sync data across devices. Your accounts list, historical balances, and goals are saved securely inside your own Google Drive account.
Google Gemini APIs
Processes the conversations and financial information you choose to share to generate AI responses.
Google Analytics (gtag.js)
Google Analytics helps us understand how Pitaka+ is used so we can improve performance and usability.
Phone push services (Google and Apple)
Deliver notifications to your phone. We send only an empty wake-up message; your phone writes the reminder from your own data.
9. Your Rights
We believe you should have control and ownership over your data. At any point, without fees or waiting times, you can:
Access and Download: You can export a copy of all custom information directly as a portable JSON file from the application Settings screen.
Edit and Update: Modify your asset balances, snapshots, and goal details at any time.
Delete All Your Data: Use "Clear App Data" in Settings to delete your Pitaka+ data on this device and in your Google Drive.
Remove Google access: at myaccount.google.com/connections. This stops Google Drive sync on all your devices.
You can delete your account at any time from Settings › Delete account.
10. Children's Privacy
Pitaka+ is designed to help adults manage and organize their personal budgets and savings goals. We do not knowingly collect or solicit personal information from children under the age of 13.
If you believe that a child under 13 has entered details into the app, please clear the application data inside settings, or contact us immediately.
11. Changes to this Policy
We are constantly iterating and improving Pitaka+. As Pitaka+ evolves and introduces new features, this Privacy Policy may be updated accordingly.
If we release a major update changing how we utilize or store your records, we will post a notification banner directly on the dashboard or update notice. We recommend checking back here periodically.
12. Contact Us
Have questions, feedback, or concerns about this policy? Or perhaps a feature suggestion for Pitaka+? Please feel free to reach out to our team. We are always happy to help. We aim to respond to privacy-related inquiries as soon as reasonably possible.
By continuing to use Pitaka+, you acknowledge that you have read and understood this Privacy Policy.