We attach great importance to the protection of your privacy and the security of your personal information. This "Privacy Policy" transparently explains how we collect, use, store, and protect your personal information.

1. Information Collection and Use Principles

Based on the principles of "minimum necessity" and "traceless accounting", we only collect data necessary to realize core functions during your use:

• Data Sharing with Third-Party AI Services: To provide you with intelligent intent parsing and automatic accounting functionality, when you proactively use AI accounting, we will send your voice data, text-input content, and a minimal amount of local historical accounting data short-term memory (used strictly and solely for context parsing) to our core partnered third-party AI services. These include Alibaba Cloud / iFLYTEK voice transcription services and large language models like Qwen / DeepSeek. We collect and send these specific data to realize the core feature of AI accounting immediately returning results to you.
• Equal or Higher Security: All the aforementioned transmissions are conducted via high-strength encryption. We confirm that any third-party AI service provider we share your data with provides the same or equal protection of your personal information as stated in this Privacy Policy. Furthermore, we and the third-party AI services promise: These data are only used to parse the intent for the current session and are destroyed in real-time right after the parsing is completed. They will absolutely not be retained or stored in any third-party or cloud servers, nor will they be used by any third party to train any AI models, ensuring your absolute user data privacy.
• Fully Localized Ledger: All your sensitive core data, such as transaction records and account balances, are encrypted and saved strictly on your local device (SQLite). We do not proactively upload or sync ledger data to cloud servers, ensuring absolute financial privacy.
• Account Identity (Optional): If you choose to subscribe to a premium membership or bind across platforms, we only obtain the unique OpenID provided by the third-party authorized login (such as Sign in with Apple, Google Sign-In) to maintain your subscription status and conversation quota. We absolutely do not force the collection of your real-name personal privacy, such as phone numbers or ID documents.

2. Information Security and Protection

• Your local ledger data is protected by the security mechanisms of your mobile operating system (such as iOS sandbox).
• During server-side data transmission (including communication with voice recognition and generative AI interfaces), we mandate the use of high-strength encrypted transmission protocols (TLS/HTTPS).

3. Your Control Rights

You have full control and disposal rights over your own data:

• Account Deletion: You may permanently delete your account at any time within the app. Navigation path: Settings → Delete Account (requires a signed-in account). Once deleted, your account information, premium membership, and conversation history stored on our servers will be permanently erased and cannot be recovered. Please note that deleting your account does NOT automatically cancel your Apple subscription. If you are a premium subscriber, please manually cancel your subscription first by going to [Settings] → [Apple ID] → [Subscriptions] to avoid further charges. Your local accounting data on-device will not be affected.
• Destroy at Any Time: You can clear all local accounting data at any time in the app's settings. When you uninstall the App from this device, all associated local data will also be completely wiped out by the system.
• Revoke Permissions: You can turn off access permissions to the "Microphone" or "Network" at any time in the system settings of your operating system. After revoking the microphone authorization, the voice accounting function will stop working, but it will not affect your manual text accounting experience.

4. Regarding Third-Party Payments (In-App Purchase)

When you purchase a subscription, the billing and deduction processes are directly completed by the official billing system of the app store (such as Apple App Store, Google Play). We cannot and will not collect or store your bank card number or payment password. We only update your account's conversation quota through anonymous subscription receipts (such as a JWS Transaction) returned by the respective channels.

5. Protection of Minors

This software is primarily designed for adults. Minors under the age of 18 should read this Privacy Policy accompanied and guided by their legal guardians, and obtain their guardian's consent before using our services and making in-app purchases.

6. Policy Changes and Contact Support

With product iterations or legal and regulatory requirements, we may revise this Privacy Policy. Major changes will be prompted within the App.

If you have any questions or appeals regarding this policy, please contact us via the following methods:

📬 Developer Email: support@yingbangbang.online