Privacy Policy for Swivo

Effective date: 2026-07-14 · Package: com.swivo.app

1. Overview

Swivo is designed to work primarily on your device. Financial records, labels, and account information are stored locally unless you explicitly export or back up data, or you opt in to an optional online feature described below.

2. Data We Process

• Financial data you enter, including transactions, categories, labels, and account aliases.
• Optional SMS transaction messages, only if you enable SMS features.
• Optional technical diagnostics for support, only when you choose to include anonymous bug-report context.
• Optional receipt photos when you use Add receipt (and, if you allow online reading, when a photo is sent for OCR).

3. Permissions and Why They Are Used

• SMS permission: Detect and parse eligible bank/payment SMS messages for transaction automation when enabled.
• Notifications: Send reminders and scheduled alerts you configure.
• Photos / gallery: Pick receipt images to scan amounts when you tap Add receipt.
• Camera: Take a receipt photo when you choose Add receipt from a notification or inside the app (optional; only when you start that action).
• Storage/File access: Export, import, back up, or restore your data.
• Biometric/PIN: Protect app access on your device.
• Internet: Optional features such as exchange-rate updates, live asset prices, subscription validation, and (only if you consent) online receipt text recognition.
• Microphone: Optional voice logging when you use Quick Voice Log.

4. Optional online receipt reading (Google Cloud Vision)

When you add a receipt, Swivo can read the photo on your device. For difficult mixed-language receipts, you may choose once to allow stronger online reading.

If you allow it:

• The receipt photo is sent over the internet to Google Cloud Vision to extract text (amounts, merchant lines, etc.).
• An internet connection is required for that scan.
• The photo is used to fill the transaction sheet on your device; Swivo does not run a Swivo cloud account for storing your receipts.
• Google processes the image under Google’s terms and privacy policy for Cloud Vision.

If you decline, receipt scanning stays on-device only (no receipt photo upload for OCR).

5. Data Sharing and Transfers

We do not sell your personal data.

By default, SMS content and transaction details are not transmitted to our servers. Data leaves your device only when you choose an explicit action, such as exporting data, backing up to an external location, sending a support email, or allowing optional online receipt OCR (photo sent to Google Cloud Vision for that scan).

When you use subscriptions, Google Play and RevenueCat process purchase information according to their own policies.

6. Data Retention and Deletion

Data is retained on your device until you edit or delete it. You can delete records, clear demo data, wipe the database, or uninstall the app to remove local app data.

Exported backup files (for example .swivo backups in Downloads, Google Drive, or email) are not removed when you uninstall. Delete those files yourself where you saved them.

Request deletion: see our data deletion instructions for step-by-step details.

7. Security

We use available platform protections and support biometric/PIN lock options. No method of storage or transmission is 100% secure. Keep your device secured.

8. Children

This app is not directed to children under 13.

9. Third-Party Services

When enabled, the app may query third-party providers for market or FX data, use Google Cloud Vision for optional receipt OCR, and use Google Play / RevenueCat for purchases. Their services are governed by their own terms and privacy policies.

10. Changes

We may update this policy. The latest version and effective date are shown here and in the app.

11. Contact

Privacy or support: atsmartapps@gmail.com