InstaLedger Privacy Policy

InstaLedger (hereinafter referred to as "we", "this application") values your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal information. By using this application, you agree to the terms of this policy.

Effective Date: August 20, 2025

1. Information We Collect

1.1 Account Information

  • Email address (for account identification and login)
  • Name and personal information (information you voluntarily provide)
  • Profile picture (optional)
  • Birthday, timezone, address, and other personal settings (optional)

1.2 Financial Records

  • Accounting data (income, expenses, categories, amounts, dates, notes)
  • Ledger settings and category information
  • Fixed income/expense settings
  • Financial statistics and analysis data

1.3 Usage Data

  • Application usage records and feature preferences
  • Device information (OS version, application version)
  • Error reports and performance data (to improve service quality)

1.4 AI Conversation Data

  • Conversation content and history with AI assistant
  • Voice input data (only when you use voice features)
  • AI tool usage records (weather queries, map searches, etc.)

1.5 Location Information

  • Location data (collected only when you explicitly authorize and use related features)
  • Used to provide weather information, map services, and location-based AI suggestions

2. How We Use Your Information

We use your information to:

2.1 Core Service Provision

  • Provide accounting and financial management features
  • Sync your data to the cloud to ensure data security
  • Provide AI intelligent assistant services and personalized recommendations
  • Process your account authentication and security verification

2.2 Service Improvement

  • Analyze usage patterns to improve application features
  • Fix bugs and improve performance
  • Develop new features and services

2.3 Communication and Support

  • Send important service notifications and updates
  • Provide customer support services
  • Send push notifications (with your consent)

3. Third-Party Service Integration

To provide a complete service experience, we integrate the following third-party services:

3.1 Authentication Services

  • Firebase Authentication: Provides Google, Apple, and email login services
  • Google Sign-In: Google account login functionality
  • Apple Sign-In: Apple account login functionality

3.2 Cloud Storage

  • PostgreSQL Database: Stores your accounting data and settings
  • All data is encrypted during transmission and storage

3.3 AI Services

  • OpenAI API: Provides AI conversation and intelligent analysis features
  • Google Speech-to-Text: Voice recognition service

3.4 Payment Services

  • Google Play Billing: Handles subscription and in-app purchases
  • Apple In-App Purchase: Handles iOS subscription and purchases

3.5 Notification Services

  • Firebase Cloud Messaging (FCM): Sends push notifications

3.6 Calendar Integration

  • Google Calendar API: Provides calendar sync functionality
  • Only accesses calendar data with your explicit authorization

4. Data Security

We take the following measures to protect your data:

  • Encryption: All data is encrypted during transmission (HTTPS/TLS)
  • Access Control: Strict access control and authentication mechanisms
  • Regular Backups: Regular data backups to prevent data loss
  • Security Audits: Regular security audits and vulnerability scans
  • Data Isolation: Each user's data is stored independently

5. Your Rights

You have the following rights regarding your personal information:

  • Access: You can view and export your data at any time
  • Correction: You can modify your personal information
  • Deletion: You can request deletion of your account and all data
  • Data Portability: You can export your data in JSON format
  • Opt-out: You can opt-out of push notifications and marketing communications

6. Data Retention

  • Account data: Retained until you delete your account
  • Financial records: Retained until you delete your account
  • AI conversation history: Retained for 90 days
  • Usage logs: Retained for 30 days
  • After account deletion, all data will be permanently deleted within 30 days

7. Children's Privacy

This service is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top. We recommend that you review this Privacy Policy periodically for any changes.

9. Contact Us

If you have any questions about this Privacy Policy, please contact us:

  • Email: instaledger.ai@gmail.com
  • LINE: @instaledger

10. Legal Compliance

This Privacy Policy complies with:

  • Taiwan Personal Data Protection Act
  • EU General Data Protection Regulation (GDPR)
  • California Consumer Privacy Act (CCPA)
  • Google Play Developer Policy
  • Apple App Store Review Guidelines