Data Safety & Privacy Summary
What we collect, what we never collect, and the controls you hold.
This page provides a clear summary of how SkyloFin, developed and operated by Skylo Digital (MSME Udyam: UDYAM-MH-23-0433200), handles your personal information. It directly mirrors the disclosures provided in the Google Play Store Data Safety Section for our application.
We believe in complete transparency: you should always know exactly what data is collected, how it is processed, and the controls you hold over your information.
1. What We Collect
When you sign up for SkyloFin using your Google account, we collect and store only the following minimal account information on our secure servers:
- Name: Your first and last name as provided by your Google account.
- Email Address: From your Google account, used for identity verification and account-related support.
- Phone Number: Only if you explicitly choose to provide it (entirely optional).
- Phone Model, Android Version and App Version: Sent by the App when you sign up or sign in, so we can help you if the App misbehaves on your phone.
This data is used solely to create and manage your SkyloFin account, verify your identity, and communicate essential service updates or support responses.
2. What We Never Collect
Financial privacy is fundamental to the design of SkyloFin. We want to be 100% explicit about what we NEVER collect, access, parse remotely, or store on our servers:
- Bank Account Numbers or UPI IDs: We never ask for or store your bank credentials.
- Credit or Debit Card Details: Your financial card numbers are never accessed or processed by our servers.
- Transaction Logs & Expense Records: Your spending, payments, and transfer histories are never sent to our servers.
- Income or Salary Data: Any income entries made within the App remain strictly on your local device and private Google Drive.
- Investment or Portfolio Details: We have zero access to your wealth or investment accounts.
- Personal SMS Contents: We never read personal messages; only financial transaction alerts are parsed strictly on-device.
Your sensitive financial information never leaves your personal control.
3. How Your Data Is Stored & Architecture
SkyloFin utilizes a dual-storage privacy architecture:
A. Account Information (On Our Servers)
The minimal account details listed in Section 1 (Name, Email, optional Phone Number, and your phone model, Android version and app version) are stored on our servers. This data is protected using industry-standard AES-256 encryption both in transit and at rest.
B. Financial Data (On Your Personal Google Drive)
All expense records, budget rules, categories, and analytical reports are processed locally on your phone and backed up directly to an isolated, encrypted folder on your own Google Drive account.
- Skylo Digital / SkyloFin servers cannot view, read, or retrieve files stored on your Google Drive.
- Only you possess the decryption keys and permissions to access, export, or delete this data.
4. Third-Party Services & Permissions
SkyloFin integrates a limited set of trusted service providers to ensure app performance and core functionality:
- Google Firebase (by Google):
- Authentication: Securely authenticates your login via Google Sign-In without exposing your password.
- No advertising, and no analytics inside the app: SkyloFin contains no ad network, reads no advertising identifier, and collects no usage analytics or crash reports from your device. The app is funded by referral commission when someone chooses to apply for a product through Offers.
- On-Device SMS Parsing: SkyloFin reads financial transaction SMS alerts locally on your device to automate spend logging. Message content is processed in local RAM and is never transmitted off your device.
- On-Device Notification Reading (optional, Beta): If you switch it on, SkyloFin reads notifications posted by banking, UPI, card and investment apps so that payments your bank never texts you about are still tracked. It is off by default, enabled only by you on Android’s own Notification Access screen, and restricted to a fixed list of financial apps checked before any content is read. Only the title and text are used, only on your device, and never transmitted or stored on any server. This feature is new and still being tested, and is labelled Beta in the app.
5. Your Rights & Data Controls
You maintain total authority over your personal and financial data:
- Access Your Data: Request a copy of the account information stored on our servers by emailing support@skylofin.com. Financial records are already directly accessible in your personal Google Drive account.
- Delete Your Data:
- Server Profile Data: Send a deletion request to support@skylofin.com, and your account profile will be permanently purged within 30 days.
- Financial Backups: Delete the SkyloFin application folder directly from your Google Drive account at any time.
- Revoke Permissions: You can revoke SkyloFin’s access to your Google Drive or SMS permissions at any time via your device or Google Account settings.
6. Changes to This Declaration
We may update this Data Safety declaration periodically to reflect system updates or statutory requirements. Any revised versions will be posted on this page (skylofin.com/data-safety).
7. Contact Us
For any technical, privacy, or data safety queries, please contact our support team:
- Operating Entity: Skylo Digital (Proprietorship)
- Registration:
MSME Udyam: UDYAM-MH-23-0433200 - Support Email: support@skylofin.com
- Official Website: https://skylofin.com
- Corporate Location: Nashik, Maharashtra, India - 422003


