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Privacy Policy

Effective Date: 30 September 2026

1. About TakoFinTakoFin (Tako the Finance Buddy) is a personal finance tool that helps you log and review expenses through Telegram, with records kept in your connected Google Sheet. Features include manual and recurring transaction logging, supported bank-alert email forwarding, receipt reading, AI-assisted categorisation, spending insights, and subscription management.

2. Information We CollectDepending on the features you use, TakoFin may collect or process:
  • Telegram user ID, username, display name, and related profile information
  • Your Google Sheet ID and settings needed to connect to and update your sheet
  • Transaction details and recurring transaction settings needed to provide logging and reporting features
  • Receipt images and transaction details you submit for receipt reading or AI-assisted features
  • Forwarded transaction-alert email content and email setup information when you enable email-based tracking
  • Preferences, configuration, subscription status, and payment metadata such as Stripe customer or checkout session IDs
  • Basic technical logs used to debug issues, secure the service, prevent abuse, and maintain reliability
3. Where Your Transaction Data Is StoredYour connected Google Sheet is the primary place where your expense and income records are stored. TakoFin reads from or writes to that sheet when needed to carry out your requests, such as recording a transaction or preparing an insight. TakoFin does not keep a separate permanent copy of your complete transaction history in its database.

TakoFin stores operational information needed to run the service, such as your Telegram ID, Google Sheet ID, preferences, recurring transaction settings, and subscription metadata. Limited transaction-related content may be temporarily processed or stored when needed for email tracking, receipt reading, AI-assisted categorisation, insights, debugging, or service reliability.

4. How We Use Your DataWe use your data to operate, maintain, and improve TakoFin. This includes logging transactions to your sheet, reading information needed to provide requested features, processing subscriptions, answering support requests, preventing misuse, and keeping the service reliable.

We do not sell, rent, or share your personal data with third parties for marketing or unrelated purposes.

5. Bank-Alert Email TrackingIf you set up email-based tracking, transaction-alert emails that you choose to forward to TakoFin are processed to extract relevant transaction details and provide the tracking feature. Only forward transaction alerts intended for expense tracking; do not forward unrelated or sensitive personal emails.

6. Receipt Images and AI FeaturesIf you send a receipt image or use an AI-assisted feature, the submitted image or transaction information may be processed by third-party AI services to read receipt details, suggest categories, or prepare spending insights. This processing is used to provide TakoFin features. Avoid including information in a receipt image that is not needed for expense tracking.

7. Third-Party ServicesTakoFin uses third-party services to provide its features:
  • Telegram Bot API – to send and receive bot messages
  • Google Sheets API – to read from and write to your connected sheet
  • Supabase – to store operational metadata, preferences, and subscription information
  • Google Cloud Platform – to host backend services
  • Stripe – to process payments and subscriptions; Stripe handles card details, which TakoFin does not store
  • AI service providers – to process content when you use AI-assisted categorisation, receipt reading, or insights
  • PostHog – for website analytics, when analytics are enabled

8. Data Sharing and DisclosureWe disclose data to service providers only as needed to operate TakoFin and provide the features you request. We may also disclose information when required by law, to enforce our terms, prevent fraud or abuse, or protect the safety and integrity of the service.

9. Data SecurityOperational metadata is stored in a Supabase-managed database. Access is limited to authorised service components. We use reasonable safeguards, including access controls and encryption where appropriate, to protect information. Your expense and income records are primarily stored in your Google Sheet.

10. Consent and Your Google SheetBy using TakoFin and connecting your Google Sheet, you acknowledge the collection and processing described in this policy. You control the contents of your sheet and decide who else can access it. Anyone you grant access to may be able to view or edit the information it contains.

11. Data RetentionWe retain operational information for as long as needed to provide TakoFin, maintain subscription and payment records, support the service, comply with legal obligations, and prevent abuse. Transaction details, receipt images, and email content are processed or retained only as needed for the feature, and are not kept as a separate permanent copy of your complete expense history.

12. Data Deletion RequestsTo request deletion of your TakoFin account information and associated metadata, email us at youthmoneymojosg@gmail.com and include your Telegram user ID. We will process your request within a reasonable timeframe. Your transaction records are in your Google Sheet, so you can remove those directly from the sheet as well.

13. Your RightsDepending on where you live, you may have the right to access, correct, delete, or request a copy of your personal data, and to withdraw consent where applicable. Contact us by email to make a request.

14. Website Analytics and Browser StorageWhen enabled, our website uses PostHog analytics to understand visits to the site and clicks on links to our Telegram bot. This may include the page URL, referral or campaign information, and a random browser identifier. The identifier is stored in your browser's local storage, and referral information may be kept in session storage. These website measurements are separate from your activity inside Telegram and from your transaction records.

15. Policy UpdatesWe may update this policy as TakoFin's features, integrations, or legal requirements change. Updates will be posted on this page with a revised effective date.

16. Contact UsFor privacy questions or data-related requests, contact us at:
youthmoneymojosg@gmail.com