Welcome to Lokcok!

Lokcok (“we,” “us,” or “our”) is committed to protecting your privacy and the security of your personal information. This Privacy Policy explains how we collect, use, share, and protect your information when you use the Lokcok mobile application (the “App”) and its related services.

By using the App, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

We collect different types of information to provide and improve our service to you.

a) Information You Provide Directly:

  • Account Information: When you register for an account, we collect information such as your name, email address, and password.
  • Financial Information: To use the core features of the App, you may provide financial information, including but not limited to:
    • Transaction data (expenses, income).
    • Account balances from bank accounts and other financial accounts.
    • Budgets and savings goals.
    • Bills and debts.
  • [Optional] Bank Account Linking: If you choose to link your bank accounts to Lokcok through a third-party service (e.g., Plaid), we will receive transaction and balance information from your bank. Lokcok never stores your bank login credentials (username or password).

b) Information We Collect Automatically:

  • Usage Data: We collect information about how you interact with the App, such as the features you use, the screens you visit, and the time and frequency of your usage.
  • Device Information: We collect information about your mobile device, including the hardware model, operating system version, unique device identifiers, IP address, and mobile network information.
  • Crash Data: If the App crashes, we may collect diagnostic data to help identify and fix the problem.

2. How We Use Your Information

We use the information we collect for various purposes:

  • To Provide and Maintain the Service: To operate the core features of the app, such as expense tracking, budgeting, and generating financial reports.
  • To Personalize Your Experience: To provide financial analysis, insights, and recommendations based on your data.
  • To Improve the App: To analyze usage data to understand our users’ needs, fix bugs, and develop new features.
  • To Communicate with You: To send you important service announcements, security updates, support messages, and promotional materials (if you opt-in).
  • For Security and Fraud Prevention: To protect your account and prevent unauthorized activities.

3. How We Share Your Information

We do not sell or rent your personal information to third parties. We only share your information in the following circumstances:

  • With Service Providers: We may share your information with third-party partners who provide services on our behalf, such as cloud hosting (e.g., Amazon Web Services, Google Cloud), data analytics (e.g., Google Analytics for Firebase), and customer support. These partners are only permitted to use your information to perform these tasks and are obligated to keep it confidential.
  • For Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).
  • For Business Transfers: If we are involved in a merger, acquisition, or asset sale, your information may be transferred. We will provide notice before your personal information is transferred and becomes subject to a different Privacy Policy.

4. Data Security

The security of your financial data is our top priority. We use reasonable technical and organizational security measures to protect your information, including:

  • Encryption: Encrypting data both in-transit and at-rest.
  • Access Controls: Restricting access to personal information to employees and partners who need to know that information to operate our services.

However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your data, we cannot guarantee its absolute security.

5. Your Rights

You have the following rights regarding your personal information:

  • Right to Access: You have the right to access and view the personal information we hold about you.
  • Right to Rectification: You have the right to request that we correct any information you believe is inaccurate or incomplete.
  • Right to Erasure: You have the right to request the deletion of your account and all associated data. You can do this through the settings in the App or by contacting us directly.

6. Children’s Privacy

Our Service is not intended for anyone under the age of 13 (“Children”). We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us.

7. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and/or through an in-app notification. You are advised to review this Privacy Policy periodically for any changes.

8. Contact Us

If you have any questions about this Privacy Policy, please contact us:

  • Email: [Your Support Email Address, e.g., support@lokcok.com]
  • Website: [Your Website URL, e.g., https://lokcok.com]
  • Address: [Your Company's Contact Address, if applicable]