Privacy Policy — “Tharwa” App

Last updated: 18 June 2026 · Developer: TharwaApp · Contact: Tharwaapp.support@gmail.com

We respect your privacy. This Privacy Policy explains what data the Tharwa app processes, how it is used, stored, and protected.

1) Data the app may process

A) Account and login data

• Email address used to create an account or sign in.
• User ID linked to your account.
• Session/account information, such as subscription status or trial status.

Sign-in may be handled through secure authentication services such as Firebase Authentication. We do not store your password in plain text inside the app.

B) Financial and organizational data you enter

• Budget, expenses, income, obligations, bills, savings, assets, debts, and rentals.
• Inheritance, heirs, and related calculation data.
• Financial goals, notes, app settings, and usage records inside app sections.

C) Trial and subscription data

• Trial start date.
• Plan or subscription type, if any.
• Status of paid or VIP features when available.

2) Where your data is stored

We aim to separate each user’s data so that data from one account does not appear in another account or in Guest Mode.

3) How we use data

We use data to:

• Operate core app features such as budgeting, rentals, inheritance, reports, and goals.
• Save and sync registered account data.
• Generate financial reports, such as monthly reports and top budget consumption items.
• Manage trial periods, subscriptions, and paid features.
• Improve the in-app user experience.

4) AI Assistant and Financial Doctor

When you use the AI Assistant or Financial Doctor, your question or a summary of financial data you choose to analyze may be sent online to an AI service to generate a response.

• Do not enter unnecessary sensitive information such as card numbers, passwords, or identity numbers.
• Responses are for educational and organizational purposes and are not binding financial or legal advice.
• Processing may also be subject to the privacy policy of the AI service provider used.

5) Exchange rates and external services

The app may fetch exchange rates or public data from external services, such as currency-rate services, without sending your personal financial data to those services.

6) Biometrics

If fingerprint or biometric login is available, it is handled by your device operating system. We do not receive or store your fingerprint, face data, or biometric templates.

7) Backup export and import

The app may allow you to export a backup of your data as a file, such as JSON, and save or share it as you choose.

• You are responsible for protecting backup files and not sharing them with untrusted people.
• When importing a backup, your current data may be replaced after your confirmation.

8) Bank SMS and future VIP features

If automatic bank SMS reading is added in the future, it will be optional and may require your clear permission. The app will not read your SMS or bank messages without your explicit consent.

9) Payments and subscriptions

When subscriptions or in-app purchases are enabled, processing may be handled by Google Play, Apple App Store, or an approved payment provider. We do not see your full payment card details.

10) Data sharing

We do not sell your personal data. Some data may be processed or shared only when necessary with:

• Authentication and cloud database services to operate accounts and syncing.
• The AI service provider when you use AI features.
• Payment providers or app stores when subscriptions are used.
• Authorities if required by law.

11) Security

We use reasonable measures to protect data, including trusted authentication and cloud storage services and separating user data by account. However, no electronic transmission or storage method is 100% secure.

12) Data retention and deletion

• You may delete app data from inside the app where the feature is available.
• Deleting app data may delete budget, rental, inheritance, and report data, but may not delete account, subscription, or trial metadata needed to manage the service.
• You may contact us to request deletion of account data or to ask about data linked to you.

13) Children

The app is not directed to children under 13. If you are a parent or guardian and believe a child entered personal data into the app, please contact us.

14) Important disclaimer

Tharwa is an educational and organizational tool designed to help manage money and understand financial status. It is not a substitute for advice from an accountant, financial advisor, lawyer, or qualified Sharia specialist. The inheritance calculator is for guidance only and does not replace consulting a qualified Sharia or legal specialist.

15) Changes to this policy

We may update this policy from time to time. The updated version will be posted inside the app or on the dedicated privacy policy link.

16) Contact

For privacy questions, account deletion, or data requests, contact us at: Tharwaapp.support@gmail.com