Privacy Policy

This Privacy Policy describes how Navilus Wealth Tracker (“the App”) collects, uses, and protects your information. The App is owned and operated by Renato Carvalho (“we”, “us”, or “our”).

Navilus requires an account to function. When creating an account, you may choose to register using an email address that does not directly identify you. No real-world identity information is required beyond an email address.

By using Navilus Wealth Tracker, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

1.1 Information You Provide

When you use the App, you may provide us with:

• Account information – such as an email address and login credentials required to create and access an account.
• Profile information – such as a name or display name (optional).
• Financial data you enter manually, including for example:
  • Assets (e.g., accounts, properties, investments)
  • Debts and liabilities
  • Investment holdings and balances
  • Other financial information you choose to track
• Support messages – such as questions, bug reports, or feedback sent to our support email.

You are not required to provide real-world identifying details beyond an email address to use the App’s core features.

1.2 Automatically Collected Information

When you use the App, we may automatically collect:

• Device information – such as device model, OS version, and unique device identifiers.
• Usage information – including interactions, screens viewed, and feature usage patterns.
• Diagnostics and crash reports – provided by Apple or other service providers to improve stability and performance.

We do not collect your banking credentials and do not connect directly to your bank accounts.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide and operate the App and its core features.
• To calculate and display your net worth and financial summaries.
• To securely store your financial data so it remains available across sessions or devices.
• To improve the App’s user experience, performance, and functionality.
• To provide customer support and respond to your inquiries.
• To monitor usage and detect, prevent, or address technical issues, abuse, or security concerns.
• To comply with legal obligations or enforce our terms.

3. Legal Bases for Processing (EEA/UK Users)

If you are located in the European Economic Area or the United Kingdom, we may process your personal data based on:

• Performance of a contract – to provide the App’s services.
• Legitimate interests – to maintain, secure, and improve the App.
• Consent – where required by law.
• Legal obligations – to comply with applicable regulations.

4. How We Share Your Information

We do not sell your personal information.

We may share information only in the following situations:

• Service providers – who process data solely to support App functionality.
• Legal requirements – where disclosure is required by law.
• Protection of rights – to protect users, the App, or our legal rights.
• Business transfers – in the event of a merger, acquisition, or restructuring.

5. Data Storage and Security

We use reasonable technical and organizational safeguards to protect your information. However, no system can guarantee absolute security.

6. Data Retention

We retain your information only for as long as necessary to operate the App or comply with legal obligations.

If you delete your account or request deletion, we will remove or anonymize your data unless legally required otherwise.

7. International Data Transfers

Your data may be processed in countries outside your country of residence. Appropriate safeguards are applied where required.

8. Your Rights

• Access, correction, or deletion of your personal data.
• Restriction or objection to processing.
• Data portability, where applicable.
• Withdrawal of consent where processing is based on consent.

To exercise these rights, contact dev@navilus.app.

9. Children’s Privacy

Navilus Wealth Tracker is not intended for children under 13. We do not knowingly collect data from children.

10. Third-Party Services

The App may rely on third-party services such as authentication, cloud storage, analytics, or crash reporting.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Continued use of the App constitutes acceptance of the updated policy.

12. Contact Us

Renato Carvalho
Email: dev@navilus.app

This Privacy Policy is provided for informational purposes only and does not constitute legal advice.