Here is the comprehensive, high-quality Privacy Policy in English, tailored specifically for AI Money and compliant with Apple App Store and Google Play Store requirements.

It incorporates the specific details you provided: CuentaTe (Legal Entity), Daniela Maria Cardona (Representative), the use of Firebase (Auth, Firestore, Functions, Crashlytics), AdMob (Ads), and OpenAI (AI integration).

You can copy and paste this directly onto your website (www.cuentate.com/privacy-policy or similar).

Privacy Policy

Effective Date: July 02, 2026

This Privacy Policy describes how CuentaTe (“we,” “us,” or “our”), represented by Daniela Maria Cardona, collects, uses, and discloses your information when you use our mobile application, AI Money (the “App”).

We are committed to protecting your privacy. By using the App, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

To provide a personalized financial experience, seamless authentication, and AI-powered features, we collect specific types of data.

A. Information You Provide to Us

Account Information: When you register or log in using Firebase Authentication, we collect your Name and Email Address to create and manage your account.
User Profile & Preferences: We store specific preferences in our cloud database (Firebase Firestore), such as your financial goals, country, and default currency settings.
Financial Data & AI Queries (Third-Party AI Collection): Your detailed transaction ledger is primarily stored locally on your device. However, when you actively choose to use our AI assistant, we collect and transmit specific data to fulfill your request. Specifically, we send your provided name and the financial transactions for the specific date or date range you select. The AI only reads and processes the exact transactions you explicitly command it to analyze.

B. Information Collected Automatically When you access the App, certain data is collected automatically via third-party SDKs to ensure functionality, performance, and advertising:

Device Identifiers: We collect device IDs (such as the Advertising ID) to support advertising services and user analytics.
Usage Data: We track how you interact with the App, including screens viewed and button taps, to understand user behavior and improve the user experience.
Diagnostics: We collect Crash Data and Performance Data (via Firebase Crashlytics) to identify bugs and improve App stability.
Coarse Location: Your IP address may be used to estimate your general location (City/Country) for analytics and to serve relevant advertisements.
Camera and Photo Library: To facilitate expense tracking, you may choose to capture or upload images of physical receipts and invoices. We require access to your device’s camera or photo library solely for this purpose.
Microphone and Audio Data: If you utilize voice features to log expenses or interact with the AI assistant, we require access to your device’s microphone to capture your voice commands.

2. How We Use Your Information

We use the collected information for the following purposes:

App Functionality & Authentication: To verify your identity, manage your account, and sync your profile preferences across devices.
Artificial Intelligence (AI) Features: To provide you with smart financial insights. The specific transaction data and your name sent to the AI API are processed strictly to generate the response you requested for those specific dates.
Advertising: To display advertisements via Google AdMob. This allows us to offer the App for free.
Analytics & Improvement: To analyze usage trends, fix crashes, and improve the overall performance of the App.
Document Processing & Voice Inputs: We use the images of receipts you provide to extract relevant financial data (such as amounts and dates) to automate your expense entries. Audio data is used strictly to transcribe your voice commands into text for the AI assistant or to log transactions.

3. Third-Party Service Providers

We do not sell your personal data. However, we share data with trusted third-party service providers required for the App’s operation. We confirm that any third party we share data with provides the same or equal protection of your data:

OpenAI (ChatGPT API) – Third-Party AI Service: Used to power the AI financial assistant. When you request AI analysis, we explicitly send your provided name and the specific transaction logs you chose for a given date to OpenAI’s API. This data is shared exclusively to generate a personalized financial response. OpenAI provides data protection equal to our own standards. Because we utilize their enterprise API, OpenAI does not use your personal data or financial transactions to train their public AI models. OpenAI Privacy Policy
Google Firebase (Authentication, Firestore, Cloud Functions, Crashlytics): Used for secure login, database storage of user profiles, backend logic, and crash reporting. Google Privacy Policy
Google AdMob: Used to display advertisements. AdMob may use device identifiers and coarse location data to show personalized ads. Google AdMob & Privacy
Please note that any images of receipts or voice recordings captured using your camera or microphone are processed locally on your device. Only the extracted text is sent to the OpenAI API

4. Data Storage and Retention

Local Storage: Your transaction logs are stored locally on your device for offline access and performance.

Cloud Storage (Firebase Firestore): Account details, profile preferences, and transactions are stored securely in Google Firebase to enable cross-device sync, WhatsApp integration, and data backup. Transactions created via WhatsApp are stored directly in Firebase Firestore.

WhatsApp Integration: When you connect your WhatsApp number, messages you send to our WhatsApp assistant (text, audio transcriptions, and receipt images) are processed in real-time to extract financial data. We do NOT store your messages, audio files, or images — only the extracted transaction data (amount, category, title, date) is saved to your account in Firebase.

Retention: We retain your personal information only for as long as is necessary. You may request deletion of your account and all associated data at any time.

5. Security

We value your trust in providing us your Personal Information and we use commercially acceptable means to protect it. All communication between the App and our servers (or third-party APIs) is encrypted using SSL/TLS protocols. However, remember that no method of transmission over the internet is 100% secure.

6. Children’s Privacy

Our App is not intended for use by children under the age of 13. We do not knowingly collect personally identifiable information from children under 13. If we discover that a child under 13 has provided us with personal information, we will immediately delete it from our servers.

7. Your Data Rights (GDPR / CCPA)

Depending on your jurisdiction, you have the right to:

Access the personal data we hold about you.
Request the correction of inaccurate data.
Request the deletion of your account and cloud-stored data.
Opt-out of personalized advertising via your device settings.

To exercise these rights, please contact us or use the “Delete Account” feature within the App settings.

8. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this page periodically for any changes.

9. Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at:

Email: servicioscuentate@gmail.com
Website: www.cuentate.com
Legal Entity: CuentaTe (Rep. Daniela Maria Cardona)