سياسة الخصوصيةPrivacy Policy

This policy applies to the Ektifai mobile application, package org.binaskar.ektifai, and its related services. Bin Askar Technology is the data controller.

Some features can be used as a guest. Users may also create an account to use synchronization and subscription-related features.

The data involved depends on how you use the app and which features you choose.

• Account data: name, email address, and cryptographically protected authentication data.
• Financial-planning data you enter: salary, spending categories, budgets, transactions, income, and investment goals and plans.
• Subscription and payment data: plan, subscription status, order amount, currency, and transaction reference. We do not store full payment-card numbers or security codes.
• Notification data: device push token and alert preferences.
• Limited operational data: screens and actions used, event time, platform, app version, and a random guest-session identifier. Usage events do not include raw SMS message text.

On Android, Ektifai requests SMS read and receive permissions only to identify bank-transaction messages, extract the amount and merchant, and suggest a spending category. Permission is optional; you can decline and enter or paste a message manually.

Processing starts on your device. Raw message text is stored locally on the device. If you are signed in, the text may be sent transiently over an encrypted connection to the categorization service to improve the result; we do not intentionally retain raw SMS text in our cloud data records. Verification-code messages are not treated as expenses.

On iOS, the app does not read messages automatically. Processing occurs only when a user pastes a message or shares it through a user-configured shortcut.

We use data to operate accounts; record and categorize spending; display budgets and insights; synchronize signed-in user data across devices; generate estimated saving and investment plans; search for offers; administer subscriptions; send alerts; protect the service; diagnose failures; and improve reliability and usability.

In-app insights and investment plans are estimates for personal planning. They are not investment execution or a guarantee of returns.

A guest’s budget and spending data remains in a local on-device database and is not synchronized to a cloud account. Limited guest operational events may be transmitted using a random session identifier as described above.

Signed-in user data is synchronized with our servers. We may use hosting, database, notification, email, and payment providers as service processors acting under our instructions or their service policies. We may also disclose data when legally required or necessary to protect rights and safety.

We do not sell personal data, and we do not share SMS or financial data for advertising or behavioral marketing.

When purchasing a subscription, checkout may be completed through the applicable app store or a hosted page operated by a payment provider. That provider processes payment-method data under its policy; we receive transaction status and reference information to verify and activate service.

Offer search may open search links on third-party retailer sites. Use of those sites is governed by the retailer’s policy, and we do not control product availability or final price.

You can decline SMS permission and use manual entry, disable notifications in device settings, edit or remove transactions and categories in the app, or use guest mode without an account. Clearing app data or uninstalling removes local data unless it was synchronized to a registered account.

You may contact us to request access to, correction of, or deletion of account data, subject to applicable legal requirements.

To request deletion of your Ektifai account and associated data, use the deletion button on this page and send the request from the email registered to the account. We will request enough information to verify account ownership; we will never ask for your password, verification code, or card details.

After verification, we delete the account and associated data from our systems and request relevant service processors to delete data where required, except records that must be retained for legal, security, fraud-prevention, or payment-settlement reasons. Such records are separated from operational use and removed when the required retention period ends.

If you have a renewing subscription, cancel renewal with the original purchase provider before requesting account deletion. Deleting the account does not automatically cancel an existing obligation with an app store or payment provider.

We retain account and synchronized data while the account remains active or as needed to provide the service. Operational logs, backups, and transaction records may be kept for a limited period required for security, recovery, and legal compliance, after which they are deleted or de-identified.

We use HTTPS transport, access controls, authentication-data protection, and reasonable operational safeguards. No transmission or storage method is completely secure, so we review controls and limit data according to need.

Ektifai is a personal financial-planning tool and is not directed to children under 13 or the applicable digital-consent age in their country. We do not knowingly collect account data from children below that age.

We may update this policy when the product or requirements change. We will publish the revised version on this page and update the date above, and provide additional notice when a material change legally requires it.

For privacy questions, rights requests, or complaints, contact Bin Askar Technology using the email below.