Is SkyloFin Safe and Trustworthy?

Who runs SkyloFin, what it does with your data, how it earns, and what it is not.

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Plain answers, nothing we cannot back up

Who runs SkyloFin, what it does with your data, how it earns, and what it is not. Every answer on this page is one we can show you.

Read the answers Ask us directly

The short answer

We never touch your money. No payments, no accounts, no transfers. You apply on the bank's own site.
We never ask for your bank login. The app reads the SMS alerts your bank already sends, on your phone.
Your financial data stays with you. On your phone and your own Google Drive, not our servers.
We say how we earn. Banks may pay a referral fee when you are approved. Your cost never changes.

Who Is Behind It

SkyloFin is a product of Skylo Digital, stated plainly, with the status of each fact as it stands today.

Owned and operated bySkylo DigitalA proprietorship registered in India.

Registered asMSME UdyamUDYAM-MH-23-0433200.

TrademarkApplication filedFor the Skylo Digital name, awaiting examination at the Indian trade marks registry. Not yet registered.

Founded2026By Akash Wagh, who builds the site and the app.

More about SkyloFin →

Your Money and Data

Four questions worth asking of any finance site, answered for this one.

Your money

SkyloFin does not hold accounts, move funds or take payments. The website lists products and sends you to the bank to apply, and approval is always the bank's decision, on the bank's terms.

Your data

The app reads bank alerts on your phone and keeps the results there and in an encrypted backup on your own Google Drive. A message format it does not recognise may be sent as an anonymised template, with every real number replaced, so the parser can learn it.

Data safety →

How we earn

When you apply through SkyloFin and are approved, the bank may pay us a referral fee. It does not add to what you pay, and it is disclosed on every product page. The app is free with no ads.

How we make money →

Where the numbers come from

Fees, rates, rewards and eligibility come from the issuers' own pages and CardAdvisor's open India Credit Card Facts dataset (CC BY 4.0). Product pages show when the facts were last verified. Always confirm on the bank's page before you apply.

How We Protect the Service

What runs behind the site and the app, in plain words.

Stored in India

Our website and account records run on servers in Mumbai, India. Your spending data is not on our servers at all: it stays on your phone and in your own Google Drive.

Encrypted connections

The website, the app and our API work over HTTPS only. A plain http address is redirected, and browsers are told never to connect to us without encryption.

Limited staff access

Each person on our team sees only what their role needs. Staff sign-ins expire every day, and repeated wrong passwords are blocked.

Checked and watched

We reviewed our code for security issues in September 2026 and fixed what we found. The service is monitored around the clock, so an outage reaches us within minutes.

What SkyloFin Is Not

Limits, stated up front. Trust is also knowing what a site cannot do for you.

Not a bank or lenderWe do not issue cards, lend money or hold deposits.

Not an adviserWe are not a SEBI-registered investment adviser, and nothing here is financial advice.

Not a guaranteeWe cannot promise approval, a limit or a rate. The bank decides.

Not a ranking for saleWe do not sell top spots. Comparisons show the same facts for every product.

Not on iPhone yetThe app is on Google Play for Android. There is no iPhone version today.

Not a registered trademark yetThe Skylo Digital trademark is applied for, not registered, so we never use ®.

Questions People Ask

Is SkyloFin safe to use?

Yes, for what it does. The website never takes payments or holds your money: it shows products and sends you to the bank's own site to apply. The app reads your bank SMS on your phone and keeps your transactions there and in your own Google Drive, not on our servers.

Is SkyloFin legit?

SkyloFin is a product of Skylo Digital, a proprietorship registered in India as an MSME (Udyam UDYAM-MH-23-0433200), founded in 2026 by Akash Wagh. A trademark application for the Skylo Digital name is filed and awaiting examination.

Does SkyloFin sell my data?

No. The app's financial data stays on your phone and in your own Drive, so there is nothing of it on our side to sell. The website earns referral fees from banks, not from your data.

Does SkyloFin cost anything?

No. The website and the app are free, and the app has no ads. When you apply for a product through SkyloFin and are approved, the bank may pay us a referral fee. It does not change what you pay.

Is SkyloFin a bank or a financial adviser?

Neither. SkyloFin does not issue cards, lend money or hold deposits, and it is not a SEBI-registered investment adviser. Approval and terms are always the bank's decision. Use the numbers here to compare, then confirm on the bank's own page.

Is the SkyloFin app on Google Play?

Yes. SkyloFin - Expense Tracker is free on Google Play for Android 7.0 and up, published by Skylo Digital. The download link is on the app page.

How do I report a problem or a wrong number?

Email support@skylofin.com. A person reads every message and replies, usually within a working day. If a figure on a product page is wrong, tell us which page and we will check it against the source.