Privacy Policy

1. Introduction

Welcome to Quartal! We value your trust and take your privacy seriously. This Privacy Policy explains how we process your information.

2. "Local-First" Architecture

We believe financial data should belong only to you. Quartal is designed so that all your transactions, tokens, and calculations are stored exclusively on your device.

We do not collect or store your financial history on our servers. This means when the app is deleted, all your data is also deleted unless you made an export.

3. What data is stored locally

• Data about your income and expenses.
• Bank API access tokens (read-only).
• App settings and KVEDs.
• Tax calculations and tax calendar.

4. Bank Synchronization

Connection to Monobank, Privat24, Raiffeisen, and PUMB is via their official APIs. The app gets access exclusively to transaction history without the ability to make payments.

5. Security

Since data is on your smartphone, we recommend using biometric protection (FaceID/TouchID) and not sharing the device with third parties.

6. Analytics and Tracking Services

To improve the app's performance and analyze the effectiveness of advertising campaigns, we use third-party tools:

• Google Analytics and Firebase Analytics: Help us understand how users interact with the app and website.
• Facebook (Meta) SDK and Pixel: Used to measure marketing effectiveness and personalize ads.
• Apple App Store Analytics: Provides standard analytics regarding app downloads and crashes.

These services may collect technical information (device model, OS version, IP address), but they do not have access to your bank tokens or financial calculations, which are stored locally.

7. Contacts

If you have questions about privacy, email us at support@quartal.app