Net Worth Tracker privacy policy — BC Head Holding Company

# Privacy Policy — Net Worth Tracker

Effective date: 20 May 2026

Developer: Juha Haaja

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## Overview

Net Worth Tracker is a personal finance tool that runs entirely on your device. The developer (Juha Haaja) does not operate any servers, does not require an account, and does not collect, store, or have access to any of your personal or financial data.

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## 1. Data collected by the developer

The developer collects anonymous crash reports to help identify and fix bugs, as described in Section 5. No personal information, financial data, or portfolio contents are ever collected.

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## 2. Data stored on your device

All data you enter into the app (assets, debts, purchase lots, snapshots, and settings) is stored locally on your device using Android's standard storage APIs (Room database and DataStore). This data never leaves your device except as described in Section 4 (Google Drive backup).

Your Finnhub API key, if provided, is stored locally in Android's DataStore and is never transmitted to the developer or any party other than Finnhub's own servers (see Section 3).

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## 3. Third-party services (price data)

To display live market prices the app makes outbound requests to the following third-party services. Only the minimum information required to retrieve a price — typically a ticker symbol or coin identifier — is sent. No personal information, financial values, or portfolio contents are transmitted.

|---|---|---|---|

The Finnhub integration is optional. If you do not enter a Finnhub API key in Settings, no requests are made to Finnhub. The API key you provide is your own free personal key obtained directly from Finnhub — it is not shared with the developer.

These third-party services have their own privacy policies and data practices. The developer has no control over and accepts no responsibility for the data practices of these services.

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## 4. Google Drive backup

The app supports optional automatic backups via Android Auto Backup. When enabled, Android sends a copy of the app's local database and settings to your personal Google Drive account. This backup:

- Goes directly from your device to your own Google account

- Is never accessible to the developer

- Is governed by [Google's Privacy Policy](https://policies.google.com/privacy)

You can disable this feature at any time in the app's Settings screen, or by managing Auto Backup in your Android system settings.

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## 5. Crash reporting (Firebase Crashlytics)

The app uses Firebase Crashlytics, a crash-reporting service operated by Google LLC, to automatically send an anonymous report when the app crashes. This helps the developer identify and fix bugs.

A crash report includes:

- The stack trace (the code path that led to the crash)

- Device model and Android version

- App version and build number

- A Firebase Installation ID — a randomly generated, per-installation identifier that is not linked to your identity

A crash report never includes your portfolio data, asset names, financial values, or any other content you have entered into the app.

Crash reporting is enabled by default but can be disabled at any time in Settings → Data & Backup → Crash reporting. When disabled, no data is sent to Firebase Crashlytics.

Firebase Crashlytics is operated by Google LLC. For more information, see [Google's Privacy Policy](https://policies.google.com/privacy) and the [Firebase Data Processing terms](https://firebase.google.com/terms/data-processing-terms).

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## 6. Biometric authentication

The app uses Android's biometric API to offer optional fingerprint or face unlock. No biometric data is processed or stored by the app — authentication is handled entirely by the Android operating system and never leaves your device.

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## 7. Permissions

The app requests only the permissions necessary for its features:

| Permission | Reason |

|---|---|

| `INTERNET` | Fetching live market prices from third-party APIs |

| `USE_BIOMETRIC` | Optional biometric lock (fingerprint or face unlock) |

| `POST_NOTIFICATIONS` | Displaying background worker status notifications on Android 13 and above |

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## 8. Children's privacy

This app is not directed at children under the age of 13 and does not knowingly collect any information from children.

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## 9. Changes to this policy

If this policy is updated, the new version will be published at the same location with a revised effective date. Continued use of the app after any update constitutes acceptance of the revised policy.

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## 10. Financial disclaimer

Net Worth Tracker is provided for informational purposes only. Nothing in the app constitutes financial, investment, legal, or tax advice. Always consult a qualified financial advisor before making investment decisions.

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Last updated: 20 May 2026 — added Section 5 (Firebase Crashlytics crash reporting)