AccuVault Privacy Policy

Last Updated: 12/31/2025

1. Introduction

AccuVault ("the App") is a personal bank account management and financial record organization tool operated by YOLO NETWORK TECHNOLOGY PRIVATE LIMITED.

AccuVault helps users organize, categorize, and review financial information derived from user-authorized sources, including manually entered records and financial transaction messages (SMS) received on the user's device.

We are committed to transparency and data minimization. This Privacy Policy explains what data we collect, why it is required, and how it is protected.

2. Scope of Services

AccuVault is not a bank, does not provide loans, does not perform payments, and does not connect directly to banking systems.

The App functions as:

• A personal finance record management tool
• A user-controlled financial message (SMS) parsing and categorization utility
• A local financial overview and analysis assistant

All data processing is initiated by user action or explicit authorization.

3. Information We Collect

3.1 User Account Information

Phone Number

Used for account registration, login verification (OTP), and service-related notifications.

Email Address (Optional)

Used for account recovery and customer support communication.

3.2 Financial Record Sources

Manually Entered Account Records

Information you voluntarily input, such as:

• Bank name
• Account alias
• Account type
• Opening balance
• Notes

This information remains under your control and is not validated against any external system.

3.3 SMS-Based Financial Information (With Explicit Authorization)

With your permission, AccuVault may access incoming SMS messages that contain financial transaction information, such as:

• Bank alerts
• Debit or credit notifications
• Balance update messages

Purpose of SMS Access:

• Identify transaction amounts and dates
• Categorize expenses or income
• Maintain personal financial records
• Reduce manual data entry

Important Clarifications:

• Only messages related to financial transactions are processed
• Non-financial SMS messages are ignored
• Full SMS content is not stored long-term
• SMS data is not used for advertising or profiling

3.4 Location Information (Approximate Only)

AccuVault may collect approximate (city-level) location data to:

• Determine regional banking formats
• Apply local currency and transaction conventions
• Improve accuracy of financial categorization

Precise GPS location is not collected.

3.5 Device & Technical Data

Device Information

Includes device model, OS version, app version, language, and network status.

Crash & Diagnostic Logs

Collected to identify errors and improve app stability. These logs do not contain financial message content.

4. How We Use Your Information

We use collected data exclusively for:

• Financial Record Organization - Creating structured summaries from user-entered data and authorized SMS information.
• Account Authentication & Security - Ensuring secure access through OTP and device-level validation.
• Service Functionality & Optimization - Improving performance, compatibility, and reliability.
• Regional Adaptation - Adjusting financial formats and categorizations based on location.
• Legal & Platform Compliance

5. Data Sharing & Disclosure

We do not sell personal data.

Data may be shared only in limited circumstances:

• Infrastructure & Analytics Providers - For secure hosting and system monitoring, under strict confidentiality agreements.
• Legal Obligations - When required by applicable law or government authority.
• User-Initiated Actions - When you explicitly request data export or sharing.

6. Data Storage & Retention

• Account Data: Retained while the account is active and removed within 30 days after deletion
• SMS-Derived Data: Converted into structured financial records; raw messages are not stored long-term
• Diagnostic Logs: Retained up to 24 months

7. User Control & Rights

You can:

• Review and edit your financial records
• Disable SMS or location access at any time via device settings
• Request account deletion or data export

Requests can be submitted via in-app support or email.

8. Security Measures

We apply industry-standard safeguards, including:

• Encrypted data transmission
• Access control mechanisms
• Regular security monitoring

9. Children's Data

AccuVault is not intended for users under 16 years of age. We do not knowingly collect data from minors.

10. Policy Updates

This policy may be updated due to regulatory or product changes. Updates will be communicated through the App.

11. Contact Information

Company: YOLO NETWORK TECHNOLOGY PRIVATE LIMITED

App: AccuVault

Email: support@yolonetworktechnology.com