Privacy Policy

1. Information We Collect

• Account Information: name, email address, password hash, and settings you configure within your account. We receive OAuth information from Google Sign-In and Sign in with Apple when you use those sign-in options.
• Financial Data You Add: accounts, transactions, balances, budgets, goals, debts, recurring expenses, projects, categories, currencies, notes, CSV imports, and other financial records you choose to create or upload.
• Connected Account Data: if you choose to connect a financial account through an available bank connectivity provider, we may receive account metadata, balances, transactions, connection identifiers, and sync status. We do not store your online banking password.
• Receipt Photos: receipt images you upload are stored and processed in association with your account and used for app functionality and personalization.
• Voice, Speech, and Audio Data: if you use voice input, we may process audio, speech transcripts, and extracted transaction details so the app can understand your request.
• AI Chat and Planning Content: when you chat with Ellio or use AI-assisted planning features, we process your prompts, responses, selected financial context, and plan outputs so we can generate and improve your in-app experience.
• Subscription and Purchase Information: plan selection, subscription status, renewal state, product identifiers, entitlement status, cancellation/refund events, and related app-store purchase metadata. We do not receive or store full payment card numbers.
• Usage Data: device and log information, IP address, app locale or region settings, pages viewed, feature interactions, app version, crash or diagnostic information, and performance events to help us improve reliability and user experience.
• Support Communications: messages, attachments, screenshots, and contact details you provide when you contact us for support, account help, privacy requests, or billing questions.
• Cookies and Similar Technologies: used for authentication, preferences, and analytics. See Cookies section below.

2. How We Use Information

• Provide, maintain, and improve the Services and user experience.
• Personalize content, insights, and recommendations.
• Process receipts, voice input, imports, projections, and AI-assisted planning requests.
• Sync connected account data when you choose to enable supported integrations.
• Process payments and manage subscriptions.
• Monitor security, prevent abuse, and detect fraud.
• Send service messages, support replies, account notices, and product updates.
• Comply with legal obligations and enforce our terms.

3. When We Share Information

We do not sell personal information. We do not use data collected in the app for cross-app or cross-website tracking for advertising or ad measurement, and we do not sell or share personal information for targeted advertising.

We may share information with: (a) service providers who perform services on our behalf under contractual confidentiality obligations; (b) third parties when you explicitly authorize integrations; and (c) authorities if required by law or to protect rights, safety, or property.

3.1 Service Providers

We use service providers for specific purposes such as hosting, authentication, storage, subscription management, bank connectivity, AI processing, email, notifications, analytics, updates, and customer support. These providers may process information only as needed to provide services to us, under applicable contractual and legal safeguards.

• Cloud infrastructure and authentication providers: host the app backend, database, storage, authentication, and security controls.
• Subscription and purchase providers: manage app-store products, subscriptions, purchase status, entitlements, renewals, refunds, and customer support tooling.
• AI processing providers: process selected prompts, receipts, speech, and financial context when you use AI-powered features such as Ellio, insights, receipt scanning, and voice input.
• Bank connectivity providers: connect supported financial accounts only when you authorize that connection.
• Messaging, notification, analytics, and update providers: deliver account emails, push notifications, app updates, diagnostics, and product analytics.

4. AI Features

Yomex includes AI-assisted features, including Ellio chat, Plan Mode, insights, receipt processing, voice input, categorization, and projections. These features may use your prompts, selected financial records, receipts, speech transcripts, and app context to generate responses. AI outputs may be inaccurate, incomplete, or not suited to your circumstances. Yomex is a personal finance organizer and educational tool, not a bank, broker, accountant, tax adviser, lawyer, or licensed financial adviser.

We use AI data to provide the requested feature, improve reliability and safety, monitor abuse, and support troubleshooting. Where the app provides consent controls for optional AI features, you can manage those choices in the app.

5. Subscriptions

Yomex offers free and paid plans. Paid plans may unlock higher limits, richer analysis, AI-assisted planning, receipt scanning, voice input, exports, connected-account features where available, projects, and other premium capabilities. Subscription availability, feature limits, and pricing may vary by country, platform, and store.

Purchase and subscription processing is handled by the applicable app store and our subscription management provider. We receive enough purchase history and subscription status information to unlock features, provide support, prevent fraud, analyze subscription performance, and comply with legal obligations.

6. Data Retention

We retain personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce agreements. We apply safeguards to archive or delete information when it is no longer needed.

In general, account and finance records remain available while your account is active. If you delete specific records or your account, we delete or de-identify them from active systems unless retention is required for security, fraud prevention, legal compliance, dispute resolution, backup integrity, or legitimate business records. Backup copies may persist for a limited period before routine deletion.

7. Security

We employ administrative, technical, and physical safeguards designed to protect information against unauthorized access, loss, misuse, or alteration. No system is perfectly secure; you are responsible for safeguarding your account credentials.

8. Your Choices and Rights

How to Exercise Your Privacy Choices

You can manage privacy choices through the in-app Privacy dashboard, where available, and by using the contact details on this page. For access, correction, export, deletion, objection, or other privacy requests, contact hello@useyomex.com.

How to delete your data without closing your account

You can delete specific data in Yomex while keeping your account active.

How to do it

• In the Yomex app: Go to Settings → Privacy dashboard (or Account / Data), then choose which data to delete, such as transactions, accounts, goals, receipts, AI history, or other supported data. You can delete individual items or use bulk deletion where available.
• By email: Email hello@useyomex.com from the email linked to your account to request deletion of specific data (e.g. a category, time range, or type of data). We will process your request and confirm when done.

What you can delete: Transactions, accounts, budgets, goals, receipt images, AI processing history, and other data you have added. You can remove these selectively without closing your account.

What we may keep and for how long: We may retain data where required by law (e.g. tax or financial records) for the period mandated by applicable regulations. Deleted data may remain in backups until the next backup cycle (typically within 30 days). After that, it is removed from active and backup systems.

Delete your account

Yomex lets you request full account and data deletion at any time. A dedicated page with this information is at https://www.useyomex.com/en/delete-account.

How to request deletion

• In the app: Open Settings → Account → Delete account, and follow the confirmation steps.
• By email: Send a deletion request to hello@useyomex.com from the email linked to your Yomex account. We will process your request and confirm once deletion is complete.

What we delete: When you delete your account, we delete your profile, account credentials, transactions, budgets, goals, receipt images, voice/audio data, and any other personal and financial data associated with your Yomex account.

What we may keep and for how long: We may retain certain data where required by law (e.g. tax or financial records) for the period mandated by applicable regulations. Backups may hold deleted data until the next backup cycle (typically within 30 days). After that, your data is removed from active and backup systems.

• Access, Correction, Deletion: You can access and update certain information in your account settings. You may request deletion of your account and associated personal information by contacting us (see "Delete your account" above).
• Marketing Communications: You may opt out of non‑essential emails via the unsubscribe link in messages or by adjusting preferences.
• Cookies: You can control cookies through browser settings. Disabling cookies may affect some features.

9. International Data Transfers

We may process information in the United States and other countries. Where required, we use appropriate safeguards (such as standard contractual clauses) to protect personal data transferred internationally.

10. Children's Privacy

The Services are not directed to children under 13 (or the minimum age in your jurisdiction). We do not knowingly collect personal information from children. If we learn that a child has provided us with personal information, we will take steps to delete it.

11. Cookies and Analytics

We use cookies and similar technologies to keep you signed in, remember preferences, and measure engagement. We may use analytics tools to understand usage trends and improve the Services. Where required by law, we obtain consent for non‑essential cookies.

12. Accessibility

We aim to make Yomex usable by as many people as possible. Current app accessibility support includes a dark interface and readable contrast in common flows. We continue to test and improve support for assistive technologies and larger text. You can read our accessibility statement at https://www.useyomex.com/en/accessibility.

13. Changes to this Policy

We may update this Privacy Policy from time to time. We will post the updated policy with a new effective date. Your continued use of the Services after the effective date indicates your acceptance of the updated policy.

14. Contact Us

If you have questions or requests, contact us at hello@useyomex.com.

Yomex is a product of Novuspire Limited. © 2026 Novuspire Limited. All rights reserved.

Appendix B: Third-Party Data Processors

This policy describes our current practices and does not create contractual rights or obligations beyond those required by law.