Your financial data belongs exclusively to you. It stays on your device and is never sold, harvested, or transmitted to centralized profiling servers.
01 Information Handling & Processing
Local Financial Data — Ledger & Smart Budgeting
Processed: Account balances, transactions, merchant names, amounts, timestamps, tags, categories, budgets, category targets, recurring bills, and spending insights.
Stored: Locally in an encrypted database on your physical device. Kasku.AI operates no external database or analytics pipeline that aggregates your financial activity.
● 100% on-deviceReceipt Scanning & Document Processing
Local AI Engine: When activated, image scanning and OCR run entirely offline on your device’s Neural/CPU/GPU processor. No image data leaves your phone.
Cloud fallback: If the local model is unavailable or you choose cloud processing, receipt photos are sent securely over HTTPS directly to the Google Gemini API. You can provide your own Google AI Studio API key in Settings.
● Local mode ● Cloud fallback is optionalVoice Transaction Capture
Processed: Audio spoken into the Voice Capture sheet for fast expense logging.
How it works: On-device speech-to-text engines transcribe your voice. The result is parsed locally or through your configured AI engine into a transaction draft. Audio recordings are discarded immediately after transcription.
● Audio discarded after transcriptionConversational AI Financial Assistant
Local mode: Inference runs 100% offline on your device with zero external data sharing.
Cloud fallback: Prompts are sent directly to Google Gemini for response generation. Kasku.AI does not store or review your chat interactions.
● Local mode ● Cloud fallback is optionalGoogle Drive Cloud Backup & Restore
Kasku.AI optionally connects to your personal Google Account through official Google Sign-In / OAuth to sync encrypted backup archives of your ledger and budget configuration.
The App requests access only to its dedicated application data folder (drive.file / drive.appdata). Kasku.AI servers never proxy, access, or store your Google Drive credentials, files, or backups.
Shared Image Receiver & Notification Auto-Drafts
Images shared from Gallery, Files, or messaging apps are received in a secure temporary cache and immediately processed into transaction drafts. With explicit consent, Android notification parsing reads incoming payment notifications on-device in real time to create pending drafts.
● Temporary, on-device processing02 Device Permissions Required
Kasku.AI requests permissions only when needed for a specific feature. You can grant or revoke them at any time in your operating system settings.
The core manual ledger and offline budget tracking remain functional even if all hardware permissions are denied.
03 Third-Party Services
Third-party services are involved only when you enable Cloud Fallback or Cloud Backup features.
04 Data Retention & Deletion
- Local data: Transactions, categories, budgets, and cached receipt images remain on your device until you delete them or clear the App’s data.
- Uninstall: Deleting the App permanently removes local databases and caches from your device.
- Google Drive backups: Delete backup files directly in Google Drive or from the App’s Cloud Backup settings at any time.
05 Security
Kasku.AI minimizes security risks by avoiding centralized storage of your personal financial logs. We strongly recommend using biometric lock, a device passcode, and current operating-system security patches.
06 Changes to This Policy
We may update this policy to reflect new features, capabilities, or regulatory requirements. Changes will be indicated by the “Last Updated” date and made available in App Settings.
07 Contact Information
Petra Bios Team · Kasku.AI
Website: github.com/petra-bios/CashFlow-App
Data keuangan Anda sepenuhnya milik Anda. Data tersimpan di perangkat Anda dan tidak pernah dijual, dikumpulkan, atau dikirimkan ke server pembuat profil terpusat.
01 Tata Kelola & Pemrosesan Data
Data Keuangan Lokal — Buku Kas & Penganggaran Pintar
Diproses: Saldo rekening, transaksi, nama merchant, nominal, waktu/tanggal, tag, kategori, target anggaran, jadwal tagihan berulang, dan analisis belanja.
Disimpan: Secara lokal di database terenkripsi pada perangkat Anda. Kami tidak memiliki server eksternal yang mengumpulkan catatan transaksi Anda.
● 100% di perangkatPemindaian Struk & Dokumen
Mesin AI Lokal: Pemindaian gambar dan OCR berjalan 100% offline pada Neural/CPU/GPU perangkat. Tidak ada gambar yang keluar dari ponsel.
Cadangan Cloud: Jika model lokal belum terpasang atau Anda memilih cloud, foto struk dikirim melalui HTTPS langsung ke Google Gemini API. Anda dapat memasukkan API Key Google AI Studio pribadi di Pengaturan.
● Mode lokal ● Cloud opsionalPencatatan Transaksi Melalui Suara
Audio diproses menggunakan mesin speech-to-text bawaan perangkat, lalu diuraikan menjadi draft transaksi. Rekaman audio langsung dihapus setelah transkripsi selesai.
● Audio dihapus setelah transkripsiAsisten Keuangan AI Percakapan
Pada Mode Lokal, pemrosesan berjalan 100% offline tanpa berbagi data ke luar. Pada Mode Cloud, pertanyaan dikirim langsung ke Google Gemini. Kami tidak menyimpan riwayat obrolan Anda.
● Mode lokal ● Cloud opsionalPencadangan & Pemulihan Google Drive
Aplikasi terhubung secara opsional ke Akun Google pribadi melalui Google Sign-In / OAuth untuk menyimpan arsip cadangan terenkripsi. Akses dibatasi ke folder data aplikasi khusus (drive.file / drive.appdata). Server Kasku.AI tidak pernah mengakses atau menyimpan kredensial maupun file Anda.
Penerima Berbagi Gambar & Draft Notifikasi
Gambar yang dibagikan dari Galeri, File, atau aplikasi pesan diterima di cache sementara lokal dan langsung dianalisis menjadi draft. Dengan izin pengguna, Android dapat membaca notifikasi pembayaran di perangkat untuk membuat draft transaksi.
● Pemrosesan lokal sementara02 Izin Perangkat
Aplikasi hanya meminta izin saat diperlukan untuk fungsi tertentu. Anda dapat memberikan atau mencabutnya kapan saja melalui Pengaturan sistem operasi.
Buku kas manual dan penganggaran offline tetap berfungsi meski semua izin perangkat ditolak.
03 Layanan Pihak Ketiga
Layanan pihak ketiga hanya digunakan saat Anda mengaktifkan fitur Cloud Fallback atau Cadangan Cloud.
04 Retensi & Penghapusan Data
- Data lokal: Transaksi, anggaran, dan cache foto struk tersimpan sampai Anda menghapusnya atau menghapus data aplikasi.
- Copot pemasangan: Menghapus aplikasi akan menghapus database dan cache lokal dari perangkat.
- Cadangan Google Drive: Hapus kapan saja melalui Google Drive atau menu Cadangan Cloud.
05 Keamanan
Kasku.AI meminimalkan risiko keamanan dengan tidak menyimpan catatan keuangan di server terpusat. Kami menyarankan kunci biometrik, PIN perangkat, dan sistem operasi yang selalu diperbarui.
06 Perubahan Kebijakan
Kami dapat memperbarui kebijakan ini untuk mencerminkan fitur, kemampuan, atau persyaratan hukum baru. Perubahan ditandai dengan tanggal “Terakhir Diperbarui” dan tersedia di Pengaturan Aplikasi.
07 Kontak Pengembang
Tim Petra Bios · Kasku.AI