1. Information We Collect

1.1 Information You Provide

We collect information that you voluntarily provide when using Rafa App, including:

• Account Information: Name, email address, and password when you create an account
• Financial Data: Income, expenses, budgets, financial goals, and other financial information you enter
• Profile Information: Profile picture, preferences, and settings
• Communication Data: Messages, feedback, and support requests you send to us
• Authentication Data: Information from third-party authentication providers (Google, Apple) if you choose to sign in with these services

1.2 Automatically Collected Information

When you use Rafa App, we automatically collect certain information, including:

• Device Information: Device type, operating system, unique device identifiers, and mobile network information
• Usage Data: How you interact with the app, features you use, time spent in the app, and pages viewed
• Log Data: IP address, access times, app crashes, and performance data
• Location Data: General location information (if you grant permission)

1.3 Third-Party Information

We may receive information about you from third-party services:

• Authentication Providers: When you sign in with Google or Apple, we receive basic profile information
• Analytics Services: We use analytics tools to understand app usage and improve our services

2. How We Use Your Information

We use the information we collect for the following purposes:

2.1 Service Provision

• To provide, maintain, and improve Rafa App's features and functionality
• To process your transactions and manage your account
• To generate financial reports, calculations, and insights
• To provide AI-powered financial assistance and recommendations
• To send you important updates about the app and your account

2.2 Personalization

• To customize your experience and provide personalized content
• To remember your preferences and settings
• To provide relevant financial insights and recommendations

2.3 Communication

• To respond to your inquiries, comments, and support requests
• To send you service-related notifications and updates
• To send you marketing communications (with your consent, which you can opt out of at any time)

2.4 Analytics and Improvement

• To analyze app usage patterns and user behavior
• To identify and fix bugs, errors, and performance issues
• To develop new features and improve existing ones
• To conduct research and analytics (using aggregated, anonymized data)

2.5 Security and Legal Compliance

• To protect the security and integrity of Rafa App
• To detect, prevent, and address fraud, abuse, and security threats
• To comply with legal obligations and enforce our Terms and Conditions
• To protect our rights, property, and safety, as well as that of our users

3. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

3.1 Service Providers

We may share your information with third-party service providers who perform services on our behalf, including:

• Cloud storage and hosting providers (e.g., Firebase)
• Analytics and data analysis services
• Payment processors (for premium features)
• Customer support services

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

3.2 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your information.

3.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., court orders, subpoenas).

3.4 Protection of Rights

We may share information when we believe it is necessary to protect our rights, property, or safety, or that of our users or others.

3.5 With Your Consent

We may share your information with your explicit consent or at your direction.

4. Data Security

We implement industry-standard security measures to protect your information:

• Encryption: We use encryption to protect data in transit and at rest
• Authentication: Secure authentication methods, including password hashing and third-party authentication
• Access Controls: Limited access to personal information on a need-to-know basis
• Regular Security Audits: We conduct regular security assessments and updates
• Secure Infrastructure: We use reputable cloud service providers with robust security measures

Important: While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we are committed to protecting your information to the best of our ability.

5. Data Retention

We retain your information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce our agreements
• Maintain security and prevent fraud

When you delete your account, we will delete or anonymize your personal information, except where we are required to retain it for legal or legitimate business purposes.

6. Your Rights and Choices

You have certain rights regarding your personal information:

6.1 Access and Portability

You can access and download your financial data through the app settings. You may request a copy of your personal information in a portable format.

6.2 Correction

You can update and correct your account information and financial data directly in the app at any time.

6.3 Deletion

You can delete your account and associated data through the app settings. We will delete your information in accordance with our data retention policy.

6.4 Opt-Out

You can opt out of marketing communications by:

• Using the unsubscribe link in marketing emails
• Adjusting your notification preferences in the app settings
• Contacting us directly

6.5 Location Data

You can control location data collection through your device settings. Note that disabling location services may limit certain app features.

6.6 Data Processing

Depending on your jurisdiction, you may have additional rights, such as:

• The right to object to certain data processing activities
• The right to restrict processing of your information
• The right to withdraw consent (where processing is based on consent)

To exercise these rights, please contact us using the information provided in the "Contact Us" section.

7. Children's Privacy

Rafa App is not intended for children under the age of 13 (or the minimum age required in your jurisdiction). We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete that information promptly.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from those in your country. We take appropriate safeguards to ensure that your information receives an adequate level of protection.

9. Third-Party Services

Rafa App may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies before providing any information to them.

9.1 Third-Party Services We Use

• Firebase: For authentication, database, and cloud storage (Google's Privacy Policy applies)
• Google Sign-In: For authentication (Google's Privacy Policy applies)
• Apple Sign-In: For authentication (Apple's Privacy Policy applies)
• Analytics Providers: For app usage analytics

10. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect, use, and disclose
• The right to request deletion of your personal information
• The right to opt out of the sale of personal information (we do not sell personal information)
• The right to non-discrimination for exercising your privacy rights

To exercise these rights, please contact us using the information provided in the "Contact Us" section.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by:

• Posting the updated Privacy Policy in the app
• Updating the "Last Updated" date at the top of this Privacy Policy
• Sending you a notification through the app (if applicable)

Your continued use of Rafa App after such changes constitutes your acceptance of the updated Privacy Policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

We will respond to your inquiry within a reasonable timeframe.

13. Consent

By using Rafa App, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy.