Last updated: September 17, 2026

Effective date: September 17, 2026

1. Introduction

Favo Finance ("Favo," "we," "us," or "our") is a personal and couples finance app developed by FAVO FINANCAS LTDA, a company incorporated in Brazil. This Privacy Policy explains how we collect, use,

disclose, and protect your personal information when you use our mobile application.

This policy applies to users in the United States, with specific provisions for California residents under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act

(CPRA). It also includes rights for Brazilian users under Brazil's Lei Geral de Proteção de Dados (LGPD).

By using Favo Finance, you agree to the practices described in this policy.

2. Information We Collect

2.1 Information You Provide Directly

• Identifiers: name, email address, profile photo

• Account credentials: managed securely via Firebase Authentication

• Financial information: income, expenses, budget goals, categories, and transaction records you manually enter

• Communications: messages or attachments shared within Couples Mode

2.2 Information Collected Automatically

• Device identifiers: device ID, IP address, advertising identifiers (IDFA on iOS, AAID on Android)

• Internet and network activity: app usage patterns, features accessed, session duration, crash reports

• Inferences: spending patterns and financial behavior derived from data you provide