Bantal Privacy Policy

Last Updated: October 3, 2026

Introduction

Bantal ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application Bantal (the "App").

Information We Collect

Personal Information

• Email Address: Used for account creation, authentication, and account recovery
• Display Name: Used for personalization within the app
• User ID: Unique identifier for your account

Financial Data

• Transaction Records: Income and expense transactions you manually enter or import after reviewing an AI Scan result
• Transaction Categories and Tags: Custom categories and tags for organizing transactions
• Account Information: Account names and configurations
• Currency and Language Preferences: Your selected currency and language settings

Usage Data

• App Usage Statistics: How you interact with the app features
• AI Scan Usage Count: A monthly count of successful bank statement scans, used only to enforce license limits. This count does not include the statement image or its text
• License Information: Your subscription or license type
• App Configuration: Your personal settings and preferences

Device Information

• Device Identifiers: For app functionality and cloud synchronization
• App Version: For technical support and updates

On-device AI

AI Scan (bank statements)

• When you scan a bank statement, the App reads the photo on your device using Apple Vision (OCR), then extracts and categorizes transactions with Apple Intelligence when your device supports it
• The statement image, OCR text, and extracted transactions are not uploaded to a cloud AI provider
• If Apple Intelligence cannot run on your device, the shipped App does not send the image to a cloud model; scanning requires on-device processing
• A successful scan writes a Firebase usage record (user ID, timestamp, and zero token counters) so monthly license limits can be enforced. That record does not include the image or statement text
• Firebase Analytics may receive scan-flow events such as license type, source (camera or photos), success or failure, and transaction count. Those events do not include statement content
• Transactions you choose to keep follow your storage preference: they remain on your device, and are synced to Firebase only when you enable cloud storage

Other on-device AI features

• Voice transaction entry and budget category mapping also run with Apple Intelligence on your device when available
• These features do not send your speech transcripts, category lists, or mapping results to a cloud AI provider

How We Use Your Information

Primary Uses

• Account Management: Creating and maintaining your user account
• Data Synchronization: Syncing your data across devices when using cloud storage
• App Functionality: Providing core financial management features, including on-device AI Scan
• Personalization: Customizing the app experience based on your preferences
• License Limits: Enforcing AI Scan monthly usage limits via the usage count described above

Analytics and Improvement

• App Performance: Understanding how the app performs to improve functionality
• Feature Usage: Analyzing which features are most useful to enhance the app
• Error Reporting: Identifying and fixing bugs and issues

Communication

• Account Notifications: Important updates about your account or the app
• Password Recovery: Sending password reset emails when requested

Data Storage and Security

Local Storage

• Your data is primarily stored locally on your device
• Local data includes transactions, settings, and app preferences
• Statement photos used for AI Scan are processed on device and are not stored by us as cloud AI inputs
• You can choose to store data locally only (no cloud sync)

Cloud Storage (Optional)

• If you choose cloud storage, your data is stored securely using Firebase
• Data is encrypted in transit and at rest
• You can disable cloud storage at any time

Security Measures

• All data transmission uses industry-standard encryption
• Access to your data is restricted to necessary app functionality
• We implement appropriate technical and organizational security measures

Data Sharing and Disclosure

We Do NOT Share Your Data With:

• Third-party advertisers
• Marketing companies
• Data brokers
• Cloud AI providers for statement scanning or other on-device AI features
• Other apps or services (except as described below)

Limited Sharing

• Firebase Services: We use Firebase for authentication, optional cloud storage, AI Scan usage counting, and analytics events as described above
• Service Providers: We may use trusted service providers who assist in app operation
• Legal Requirements: We may disclose data if required by law or to protect our rights

Your Rights and Choices

Data Control

• Access: You can view all your data within the app
• Modification: You can edit or delete your transactions and settings
• Export: You can export your data for backup purposes
• Deletion: You can delete your account and all associated data

Tracking Preferences

• App Tracking Transparency: We request permission before any tracking activities
• Opt-Out: You can deny tracking permission in your device settings
• No Impact on Core Features: Denying tracking does not affect core app functionality

Children's Privacy

Bantal is not intended for children under 13. 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.

International Users

If you are using Bantal from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

• Posting the new Privacy Policy in the app
• Updating the "Last Updated" date
• Sending you a notification if significant changes are made

Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at:

Compliance

This Privacy Policy complies with:

• Apple App Store guidelines
• General Data Protection Regulation (GDPR) principles
• California Consumer Privacy Act (CCPA) requirements
• Other applicable privacy laws

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Note: This privacy policy is designed to be transparent about our data practices. We believe in user privacy and only collect data necessary for app functionality. We do not engage in tracking for advertising purposes or share your personal financial data with third parties.