Privacy Policy

Nivio is a manual-entry personal finance app that helps you understand what may be safe to spend, what is coming next, and how your accounts, recurring payments, and credit cards affect your available money.

This Privacy Policy explains what information may be collected, how it may be used, and the choices you may have. It is written in plain language and should be reviewed by legal counsel before publication.

You may provide information such as your name, email address, support messages, preferences, and any details you choose to enter while using the app.

You are responsible for the accuracy of the information you enter into Nivio.

Nivio may use authentication services to create and protect user accounts. This may include identifiers such as your email address, login provider information, and authentication status.

TODO: Confirm the authentication provider, account fields stored, and account deletion workflow before publishing.

Nivio does not connect directly to your bank accounts in this manual-entry version. Users enter their own balances, transactions, income, recurring expenses, transfers, subscriptions, credit card details, statement dates, payment dates, and related notes.

This information is used to show your financial overview, upcoming obligations, and Safe to Spend estimate.

Nivio may collect app usage, device, crash, diagnostic, analytics, and notification information to keep the app reliable and improve the product.

TODO: Confirm which analytics, crash reporting, diagnostics, and notification providers are used before publishing.

Information may be used to provide the app, calculate and display financial views, maintain accounts, respond to support requests, troubleshoot issues, improve product quality, and communicate important updates.

Nivio should not be presented as guaranteeing financial outcomes. The app helps organize information you provide so you can make clearer decisions.

Nivio may rely on service providers for authentication, hosting, cloud storage, analytics, crash reporting, messaging, notifications, and customer support.

Service providers should only receive information needed to perform their services. TODO: Confirm provider names and required disclosures before publishing.

Nivio may store information using cloud services so your app data can be available across sessions and devices when supported.

Nivio should retain information only as long as needed to provide the service, maintain records, comply with obligations, resolve disputes, or support legitimate business needs. TODO: Confirm retention practices before publishing.

You may be able to update information in the app, adjust device permissions, unsubscribe from non-essential communications, or request access, correction, export, or deletion of certain information.

The availability of these rights may depend on your location and applicable law. TODO: Confirm the exact request workflow before publishing.

Nivio is not intended for children. If you believe a child has provided personal information, contact support so the request can be reviewed.

TODO: Confirm minimum age requirements before publishing.

If you use Nivio from outside the country where its services are operated, your information may be processed in another country.

TODO: Confirm operating jurisdiction, cross-border transfer language, and any region-specific requirements before publishing.

Nivio may update this Privacy Policy from time to time. When changes are made, the Last updated date will be revised.

For material changes, Nivio may provide additional notice where appropriate.

If you have questions about this Privacy Policy or your information, contact Nivio support using the email address or support page linked below.

TODO: Confirm final legal contact address before publishing.