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No. Accounts, transactions, plans, investments, document extraction and local reports work without a Google account. Connect Google only if you want Sheets synchronization, Drive backups or explicit Drive document storage.

The App uses the narrow drive.file permission to create and manage its own workbook, backup packages, reports and originals you explicitly upload. It does not request unrestricted access to every Drive file. See Google data in the Privacy Policy.

Confirm the device is online and Google Play services are current. A public release also requires the developer’s production OAuth client to match package ca.pfh.app and the signing certificate used for the installed build. Managed work or school accounts may be restricted by their administrator.

The workbook differs from the last synchronized phone snapshot. Open the review and choose the phone or Sheets version for each change. My Finances does not silently use last-write-wins for conflicting financial records.

On modern Android versions, local packages are created under Downloads / My Finances / Backups / the current year. Connected Drive packages are stored under My Finances / Backups / year. A package contains sensitive financial information, so keep it private.

No. On-device text recognition suggests merchant, date, total and category. You review the fields, select the paying account and approve before a transaction is recorded. An approved receipt and its linked transaction move to Trash and restore together.

No. My Finances removes or restores its receipt metadata and linked transaction according to the action you choose, but it does not silently delete the original user-owned photo or PDF from Downloads, another document provider or Google Drive.

Language-model weights are intentionally not included in the App package. You choose whether to download a compatible local model. Core finance features and deterministic tools remain available without one. A downloaded model is integrity-checked, stored privately and can be removed.

A downloaded local model runs on the device. Cloud AI is off by default. If you explicitly configure and select an online provider, assistant prompts and limited relevant financial context are sent directly to that provider. Receipt images and statements are not automatically sent to cloud AI. See Optional external AI providers.

No. AI, OCR and parsing can make mistakes. Financial totals are calculated by deterministic App rules, but you must review imports, proposed actions, estimates, reports and external rates before relying on them.

Use Data & sync to create a portable local or Drive backup package. Reports can be exported as standalone HTML. Protect exports because they can contain detailed financial information.

Use the App’s Trash and permanent-delete actions for supported local records. Disconnect Google or an AI provider to stop future access. Delete workbooks, backups, reports and uploaded originals separately from Google Drive, and revoke or delete provider data through that provider. Clearing App storage or uninstalling removes App-private local data but does not delete exported or cloud files.

No. My Finances does not operate a central copy of your local database. Recovery depends on a valid portable backup or synchronized workbook. Verify backup integrity before replacing or clearing a device.

No. It organizes information and provides estimates. It is not a financial adviser, broker, accountant, tax preparer or lawyer. Verify contribution room, market information and financial decisions with authoritative sources and qualified professionals.