Privacy Policy

Last Updated: March 18, 2026

1. Introduction

Squirlo ("we," "our," or "us") operates the Squirlo mobile application (the "App"). This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our App.

By using the App, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Account Information

When you create an account, we collect:

Name and email address
Password (stored securely in hashed form)
Authentication credentials if you sign in via Google or Apple

2.2 Financial Information

To provide our budgeting services, we collect:

Transaction details (name, amount, category, date)
Recurring payment schedules and bills
Expense and income categories you create
Monthly income (if provided)
Currency preference

2.3 Onboarding Information

During onboarding, we may collect:

Your financial goals and obstacles
How you heard about the App
Whether you have used other budgeting apps

2.4 Device and Usage Information

We automatically collect:

Device type and platform (iOS or Android)
Push notification tokens
App usage events (e.g., screen views, feature usage, sign-in method)
Interaction with notifications

2.5 Subscription Information

If you subscribe to Squirlo Pro, we collect:

Subscription status, tier, and renewal period
Purchase history related to in-app purchases

3. How We Use Your Information

We use the information we collect to:

Provide, maintain, and improve our budgeting services
Process and manage your subscription
Send push notifications, including weekly summaries, budget alerts, recurring payment reminders, and inactivity nudges (you can opt out of each type in Settings)
Analyse usage trends to improve the App
Authenticate your identity and secure your account
Respond to support requests and feedback

4. Third-Party Services

We use the following third-party services that may process your data:

Service	Purpose	Data Shared
Supabase	Authentication and database hosting	Account information, financial data
RevenueCat	Subscription and in-app purchase management	User ID, purchase and subscription data
PostHog	Product analytics	Anonymised usage events, device type, platform
Expo	Push notification delivery	Device push tokens, notification content
Google Sign-In	Authentication	Email, name (if you choose Google sign-in)
Apple Sign-In	Authentication	Email, name (if you choose Apple sign-in)

Each third-party service operates under its own privacy policy. We encourage you to review their policies.

5. Data Storage and Security

Your data is stored securely in cloud-hosted databases (Supabase).
Some data is cached locally on your device for performance.
We use industry-standard security measures, including encrypted connections (HTTPS) and hashed passwords, to protect your information.
While we take reasonable steps to protect your data, no method of electronic storage or transmission is 100% secure.

6. Data Retention

We retain your personal data for as long as your account is active or as needed to provide you with our services. If you delete your account, we will delete or anonymise your personal data within a reasonable timeframe, except where we are required to retain it by law.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

Access the personal data we hold about you
Correct inaccurate or incomplete data
Delete your personal data
Export your data in a portable format
Withdraw consent for data processing where consent is the legal basis
Opt out of marketing communications and push notifications

To exercise any of these rights, please contact us at the email address below.

8. Children's Privacy

The App is not intended for use by anyone under the age of 16. We do not knowingly collect personal data from children. If we become aware that we have collected data from a child, we will take steps to delete it promptly.

9. Push Notifications

We may send you push notifications for weekly summaries, budget alerts, recurring payment reminders, and engagement nudges. You can manage your notification preferences within the App's Settings, or disable push notifications entirely through your device settings.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy within the App and updating the "Last Updated" date above. Your continued use of the App after changes are posted constitutes your acceptance of the revised policy.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Email: [email protected]