2.1 Identity & Contact

• Phone Number: Collected (with +63 PH code) for OTP-based account verification (as in login screens).

2.2 Financial Data

• Income/Expense Details: Categories: Salary, Food, Transport, etc. (from "Income/Expense Type" screens).
• Amount (peso), Date (DD/MM/YY), Remarks: Recorded for each transaction (seen in "Income/Expense Record" pages).

2.3 Account Info

• Summary Data: Total income/expenditure (homepage) and transaction history (in "Account Books").

2.4 Activity History

• Transaction Records: Stored to let you review past entries easily (no re-input needed).

3.1 Security

• OTP Verification: Prevents unauthorized access to safeguard your financial data.

3.2 Financial Management

• Accurate Tracking: Maintains precise records for effective personal finance control.
• Pattern Insights: Uses transaction history to show earning/spending trends (via homepage summaries).

3.3 User Experience

• Convenience: Stored data speeds up future bookkeeping by reusing past entry info.

4.1 Technical Measures

• Encryption: All data (phone number, transactions) is encrypted during transmission (e.g., OTP sending).
• Secure Servers: Data stored on cloud servers with restricted access for authorized teams.

4.2 Access Prevention

• Authorization: Only dev and support teams (with valid needs) access data, following strict policies.
• Audits: Regular security checks detect and fix incidents quickly.

5.1 Internal

• Relevant Teams: Dev, support teams access data as needed, complying with this policy.

5.2 Third-Party

We don't share data except:

• Legal Compliance: When required by PH laws/App Store audits (with proper docs).
• With Consent: If you agree to share data with trusted institutions (e.g., for loans), with your clear approval.

6.1 Access & Edit

• Data Access: View phone number, transaction history via "Personal" section (About Us, etc.).
• Data Edit: Update phone number (OTP-verified) and transaction details (categories, amounts).

6.2 Account Deletion

• Delete Option: Request account removal via "Set up > Deleting account". Data deleted in 30 days (unless legally kept).

6.3 Complaints

• File Complaints: Report violations via "About Us" or SikapLoan@outlook.com. Response in 14 days.

7.1 Location

Data stored on PH-compliant cloud servers (e.g., Southeast Asia).

7.2 Retention Period

• Phone Number: Stored while account is active; deleted 30 days post-closure (unless required).
• Transaction History: Stored 1 year from last access. Early deletion requestable via app.