Last updated: August 14, 2026
This Privacy Notice for Biswajeet Prasad Mohanty (doing business as SmartFina) ('we', 'us', or 'our'), describes how and why we might access, collect, store, use, and/or share ('process') your personal information when you use our services ('Services'), including when you:
Questions? If anything in this notice is unclear, or you do not agree with our policies and practices, please contact us at smartfina.support@gmail.com before using our Services.
The table below lists every category of data we collect, exactly why we collect it, which third party (if any) receives it, and whether you can opt out.
| Data Type | Purpose | Third-Party Partner | User Can Opt Out? |
|---|---|---|---|
| Account Info (Name, Email) | Authentication & personalization | Base44 (hosting/auth) | No — required to use the app |
| Receipt Images | AI-based expense extraction (triggered by user) | Google (Gemini API) | Yes — use manual entry instead |
| Voice Notes (Audio) | AI-based transcription (triggered by user) | OpenAI (Whisper API) | Yes — use manual or text entry instead |
| Payment Information | Subscription billing | Stripe | Yes — use free tier |
| WhatsApp Messages | Automated expense logging via WhatsApp | Twilio | Yes — use the app directly |
| Precise GPS Location | Optional trip expense tagging | None (stored internally only) | Yes — deny location permission |
| Crash Reports | None collected | None | N/A |
| Usage Analytics | None collected | None | N/A |
We do not sell your personal data. All third-party providers listed above are Data Processors — they act only on our instructions and are contractually prohibited from using your data for any other purpose, including training their own AI models.
Personal information you disclose to us. We collect personal information that you voluntarily provide when you register on the Services or contact us, including: names, email addresses, phone numbers, usernames, and contact preferences.
Financial data. Expense amounts, categories, descriptions, dates, receipt images, and voice notes — all provided voluntarily by you as you log your expenses. We never require or collect bank login credentials.
Payment data. All payment data is handled and stored entirely by Stripe. We never store raw card numbers on our systems. Stripe's privacy notice is available at https://stripe.com/privacy.
Location data. We access your device's precise GPS coordinates only when you voluntarily choose to tag a trip expense with your location, and we store them with that expense record. We never collect location data in the background. If you deny the location permission, manual expense entry still works fully.
WhatsApp data. Text messages, images, and audio you send to the SmartFina WhatsApp number are processed to extract expense data and update your dashboard.
Device/technical data. Basic device type and operating system information is collected automatically by our Base44 hosting infrastructure to keep the app stable and secure.
We process your personal information only for the following specific purposes: account creation and authentication; AI-based expense extraction from receipts and voice notes (only when you trigger it); budget tracking; subscription management; mortgage and insurance tracking; trip management; payment processing for Pro subscriptions; responding to customer support inquiries; and compliance with our legal obligations.
Active consent. Using an AI feature (Scan a receipt or send a Voice note) constitutes your active consent for us to transmit that specific data — the image or the audio file — to our AI partners for processing. AI features are never enabled without your interaction.
Your choices:
We provide AI-powered features through two third-party providers: Google (Gemini API) for receipt image analysis and OpenAI (Whisper API) for voice note transcription. Our commitments to you:
We share personal information only with the Data Processors listed in the Data Collection & Sharing Map above, who perform services on our behalf and require access to such information to do that work:
Your precise GPS location is never shared with any third party — it is stored internally only. We do not use any analytics or crash reporting providers. No advertising networks, no data brokers, and no social media platforms ever receive your data.
Cookies apply to the web version of our Services only, where we use essential cookies to maintain your login session and security. The mobile app uses local device storage (localStorage/sessionStorage) for preferences such as theme and session state. We do not use any third-party tracking cookies.
Expense data, subscription data, and financial records are retained while your account is active so the Services can function. When you delete your account, all personal data is deleted within 30 days of account termination. Payment records are retained by Stripe as required by applicable financial regulations.
We have implemented appropriate technical and organizational security measures, including: TLS encryption for all data in transit, encryption at rest via our Base44 hosting infrastructure, strict access controls, and never storing raw payment card data in our systems. However, no electronic transmission over the Internet can be guaranteed to be 100% secure.
We do not knowingly collect data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18.
Smartfina is intended for users aged 18 and over. We do not knowingly collect personal information from anyone under 18. If you are under 18, please do not use this service.
Depending on your region, you have rights that give you access to and control over your personal information. You may review, change, or terminate your account at any time.
EU/EEA users (GDPR): you have the right of access, rectification, erasure ('right to be forgotten'), data portability, restriction of processing, and objection to processing.
California users (CCPA): you have the right to know what personal information we collect, to request its deletion, and to not be discriminated against for exercising your rights. We do not sell personal information.
How to exercise your rights: email us at smartfina.support@gmail.com, or use the in-app Delete Account option (Settings → Delete Account). You can withdraw your consent for processing at any time.
If you have questions or comments about this notice, you may email us at smartfina.support@gmail.com or contact us by post at:
Biswajeet Prasad Mohanty
Hedvigsborgsgatan 31 LGH 1101
Borås, Västra Götaland 50447
Sweden