Privacy Policy

Last Updated: January 2025

Our Privacy-First Commitment

At Arvo, privacy isn't just a feature—it's our foundation. We've built Arvo with a local-first architecture, meaning all your financial data stays exclusively on your device. We don't collect, store, or transmit your personal financial information.

What Data We Collect

Data Stored Locally on Your Device

All of your financial data is stored locally using on-device encryption:

• Transaction records (amounts, merchants, dates, notes)
• Budget envelopes and categories
• Savings goals and progress
• Receipt images (if using OCR feature)
• App preferences and settings

Important: This data never leaves your device.

What We Don't Collect

• Bank credentials or account numbers
• Transaction details or amounts
• Personal identifying information
• Location data
• Contact information (unless you contact support)

On-Device OCR Processing

Our receipt scanning feature uses on-device machine learning (ML Kit). Receipt images are processed entirely on your device and never uploaded to external servers. The extracted text is stored locally in your transaction records.

Third-Party Services

Arvo uses minimal third-party services:

• Google ML Kit: On-device text recognition (no data sent to Google)
• App Store/Google Play: Standard app distribution analytics

Changes to This Policy

We will notify users of any material changes to this privacy policy through the app and on this website.

Contact Us

If you have questions about this privacy policy, please contact us: