Privacy Policy

1. Who we are and scope

OkaPace is built and operated by Bilcodes, an independent developer in India ("we", "us"), as a personal indie project, not a registered company. This policy covers the OkaPace app and website. OkaPace is available on Google Play; an iOS version is coming soon.

2. Information we process

• Financial information you enter, including balances, income, transactions, expenses, budgets, bills and savings goals. OkaPace does not connect to your bank or automatically import bank transactions.
• Account information needed to identify your Google or guest account. Google sign-in may provide your account identifier and basic profile information, such as your name and email address; OkaPace does not receive your Google password.
• Purchase and entitlement information needed to manage Pro access through RevenueCat and the relevant app store.
• Your questions and relevant financial information when you choose to use AI tools.
• Information you voluntarily send when contacting us for support.

We use this information to provide the app, sync your records, manage access to paid features, respond to support requests and provide the optional insights you request.

3. Local storage and online sync

OkaPace stores your records locally first when you are offline and syncs them to our secure database when an internet connection becomes available. This means your financial information is not exclusively on your device. Unsynced changes can be lost if you clear app data, uninstall the app or lose your device before they sync. Uninstalling the app alone does not delete your online account or synced records.

4. Google sign-in and guest use

You may sign in with Google or continue as a guest. You can link a Google account later. Guest use does not mean that synced records are never processed online. Google handles its own authentication under its privacy policy. Do not provide another person’s Google account or credentials.

5. Analytics

We do not currently collect analytics or use analytics tools to track how you use OkaPace. Account sync, purchase management and optional AI processing are service functions, not usage analytics. Independent providers may process technical or service information under their own policies. If our analytics practices change, we will update this policy and obtain any consent required by law before introducing them.

6. Optional AI tools

AI is an optional tool; you choose whether to use it. When you request AI insights, your input and relevant financial records—including transactions, expenses, goals and related information—are shared with the AI provider used for that request. Providers may include Google Gemini, OpenAI, Anthropic Claude and other providers identified when offered in the app. AI access may require OkaPace Pro.

We use AI to provide helpful information and insights, not professional financial advice. You do not have to use AI to use the app’s non-AI tools. Avoid including passwords, payment-card details or other unnecessary sensitive information in questions. Providers process submitted information under their applicable service terms and privacy policies, which may address retention and international processing; this policy does not promise that providers never retain submitted information. Deleting your OkaPace account does not itself guarantee deletion of information already processed independently by a provider. Contact us with questions about a particular AI request.

7. Local notifications

Bill and budget reminders are scheduled locally on your device only, not through a remote push-notification service. You can disable them in the app or your device’s notification settings. Reminder delivery depends on device permissions and operating-system restrictions. Financial details in reminders may appear on your lock screen depending on your device settings.

8. Subscriptions and one-time purchases

We use RevenueCat to manage subscriptions, one-time purchases and Pro entitlements. RevenueCat and the relevant app store process purchase identifiers, transaction details, subscription status and identifiers used to associate access with your app account. Payments on Android are handled through Google Play; OkaPace does not receive your full payment-card details from Google Play.

9. Sharing and service providers

Information is shared as needed for hosting and database sync, Google authentication, RevenueCat purchase management, app-store billing and AI requests you choose to make. We do not sell your personal or financial information. We may disclose information where legally required or necessary to protect users, respond to lawful requests or address misuse. Providers may process data outside your country. Their independent handling of information is governed by their own terms and policies.

• Google privacy policy (Google sign-in, Google Play and Gemini)
• RevenueCat privacy policy
• OpenAI privacy policy
• Anthropic privacy policy (Claude)

10. Retention and account deletion

Your records are kept to provide the service until you delete them or delete your account. Use the account deletion option in the app’s Settings to delete your account and all associated OkaPace user records. Account deletion is permanent. If you need help, including with a guest account, contact bilcodes@gmail.com. Internet access is needed to complete deletion of online records; do not assume an offline request has removed synced data until deletion is confirmed.

Deleting your OkaPace account does not cancel an app-store subscription. Cancel it separately through the store. Google Play, RevenueCat and other independent providers may retain records they are required to keep under their own policies or applicable law; those records are separate from your OkaPace user records.

11. Security

We take reasonable steps to protect the information stored in our database and restrict access to purposes needed for the service. No storage system or internet transmission can be guaranteed completely secure. Keep your device and Google account secure and avoid sharing access to them. Contact us if you suspect unauthorised access.

12. Age eligibility and children’s privacy

OkaPace may be used by people aged 13 and older and is not intended for children under 13. If you are under the age of legal adulthood where you live, involve a parent or guardian and obtain their permission and any consent required by applicable law before using the app or sharing data. In India, users under 18 must have parental or guardian consent where required by child-data protection law. The minimum app age does not override local consent rules or app-store requirements. If we learn that a child’s data was provided in violation of these requirements, we will take steps to delete it. Parents or guardians can contact us for assistance.

13. Your choices and rights

You can edit your records, choose not to use AI, disable notifications and delete your account in Settings. Depending on applicable law, you may also request access to, correction or deletion of personal information, withdraw consent where processing relies on it, or raise a privacy complaint. This includes rights under applicable Indian data-protection law as it comes into force. Email bilcodes@gmail.com; we may need to verify that the request concerns your account. You may also contact the relevant data-protection authority where available.

14. Changes to this policy

We will update the date above when this policy changes. Material changes will be communicated through the app or another appropriate channel, and we will request consent where required by law.

15. Contact

Developer: Bilcodes, independent developer
Location: India
Privacy and support email: bilcodes@gmail.com