Last Updated: August 3, 2026 • Official Legal Document

Privacy Policy

This Privacy Policy describes how digiTrail Studio ("we," "us," or "our") collects, uses, protects, and handles your information when you use the digiTrail mobile application, website, and associated financial tracking services (collectively, the "Services").

1. Architecture & Storage Modes

digiTrail offers two user-controlled storage architectures designed to provide complete autonomy over your personal financial ledger:

A. Offline Local Storage Mode (Default)

By default, all financial records—including asset holdings, cashflow entries, envelope budgets, debt balances, and peer lending ledgers—are stored strictly on your local physical device in an encrypted local database. When operating in Offline Mode:

• Zero financial data is transmitted to external servers or cloud services.
• Zero user identity or registration data is required.
• Your data remains 100% sovereign and accessible only to you on your hardware.

B. Online Cloud Storage Mode (Optional)

If you explicitly choose to enable Online Cloud Mode, your personal ledger is securely synchronized to cloud database servers powered by Google Firebase. This enables seamless multi-device synchronization and automatic cloud backups.

2. Information We Collect

A. Information Provided Voluntarily by You

Depending on your usage mode and explicit input, we may process:

• Account & Profile Information: When signing in via Google Sign-In, we receive basic authentication credentials from Google, including your full name, email address, and profile photo URL.
• Financial & Asset Data: Asset categories, ticker symbols, holding quantities, custom price overrides, income and expense entries, budget envelopes, debt paydown balances, and peer lending records entered manually by you into the app.
• Communications: Email address and support message contents if you contact our customer support team directly.

B. Information Collected Automatically

We minimize technical telemetry to the greatest extent possible. We do not track your location, physical address, contacts, or browsing history outside the application.

3. How We Use Your Information

We process collected information strictly for the following operational purposes:

• To compute, organize, and display your multi-asset portfolio valuations, profit/loss metrics, and net surplus.
• To execute interest rate simulations, debt paydown schedules, and budget envelope tracking.
• To authenticate your identity when accessing cloud-synced ledgers across multiple devices.
• To export requested financial statements in PDF, DOCX, or CSV format directly on your device.
• To comply with applicable legal obligations and resolve user support inquiries.

4. Data Sharing & Disclosure

We enforce a strict policy against monetizing user data. We do not sell your personal or financial information. Disclosure of information occurs only under the following limited conditions:

• Service Providers: We utilize Google Firebase (Google LLC) as our infrastructure provider for cloud authentication and database hosting when Online Mode is enabled. Google processes this data under strict confidentiality and security terms.
• Legal Compliance: We may disclose information if required by law, subpoena, court order, or valid governmental request to protect our rights, safety, or property.

5. Data Security & Encryption

We employ industry-standard security measures to safeguard your financial information:

• In-Transit Encryption: All cloud network communications occur over secure HTTPS / TLS 1.3 protocol connections.
• At-Rest Encryption: Cloud data is protected by Google Cloud's AES-256 server-side encryption standards. Local device database records are isolated within sandboxed app storage.

6. Your Data Rights & Choice

Under international privacy regulations (including GDPR and CCPA), you hold full rights regarding your personal data:

• Access & Export: You can view all recorded data inside the application at any time and export full backups via the Export Encrypted Backup tool.
• Rectification: You may edit or update any portfolio holding, cashflow entry, or profile detail directly within the application.
• Account & Cloud Data Erasure: You possess the absolute right to delete your account and wipe all stored cloud documents permanently.

7. Permanent Account & Data Deletion Policy

In full compliance with app store policy requirements, we provide two simple methods for requesting complete and permanent deletion of your account and cloud records:

• In-App Deletion: Open the digiTrail main drawer, navigate to Delete Account & Cloud Data, and confirm. All cloud documents and authentication records will be wiped immediately.
• Web Request Portal: If you no longer have access to the application, submit an online erasure request via our Account Deletion Web Portal.

8. Children's Privacy

digiTrail is intended strictly for use by individuals aged 18 and older. We do not knowingly collect or solicit personal information from children under 13. If we discover that a child under 13 has provided us with personal information, we will delete it immediately.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect enhancements to our application or regulatory requirements. Any updates will be posted on this page with a revised "Last Updated" timestamp.

10. Contact Us

If you have any questions, concerns, or regulatory requests regarding this Privacy Policy or our data practices, please contact us at:

digiTrail Support Team
Email: support@digitrail.app
Website: https://digitrail-web.web.app