Frequently Asked Questions

Getting started with Financy is simple:

• Download Financy from Google Play Store or Apple App Store
• Set up biometric authentication (Face ID, Touch ID, or Fingerprint) for security
• Meet Aarohi - your AI assistant who will guide you through the setup
• Add your first expense using voice or manual entry
• Set up budgets with Aarohi's help through natural conversation

No account needed! Financy works completely offline and doesn't require any registration or login.

Simply download the app and start using it immediately. Your data stays on your device, and there's no need to provide any personal information like email or phone number.

To get the most out of Financy from day one, have these ready:

• Monthly Income: Your salary or total monthly income
• Fixed Expenses: Rent, EMIs, insurance premiums, subscriptions
• Spending Categories: Think about how you typically spend (food, transport, shopping, etc.)
• Savings Goals: Any financial goals you want to achieve
• Recent Expenses: Optional, but helpful for getting started

Don't worry if you don't have everything - you can add details as you go!

Financy is designed for quick setup:

• Basic Setup: 2-3 minutes (biometric auth + first expense)
• Budget Setup: 5-10 minutes with Aarohi's guided conversation
• Full Setup: 15-20 minutes (including savings goals and preferences)

You can start tracking expenses immediately and set up advanced features like budgets and goals whenever you're ready.

Aarohi is your personal finance assistant powered by AI that runs entirely on your device. She helps you:

• Voice Expense Tracking: Just speak naturally about your expenses
• Budget Setup: Conversational budget creation based on your income and goals
• Daily Insights: Personalized financial insights every evening at 8 PM
• Smart Recommendations: Money-saving tips based on your spending patterns
• Goal Tracking: Motivation and guidance for your savings goals

Financy's voice tracking is highly accurate and supports natural speech patterns:

• Amount Recognition: Understands various ways to say numbers and amounts
• Category Detection: Automatically categorizes based on context and keywords
• Merchant Recognition: Identifies popular stores, restaurants, and service providers
• Multi-language Support: Works in 10+ Indian languages
• Contextual Understanding: Learns from your patterns and preferences

Example: Say "I spent five hundred rupees on groceries at Big Bazaar" and Aarohi will automatically create an expense with ₹500 amount, "Groceries" category, and "Big Bazaar" as merchant.

Financy offers comprehensive budgeting tools:

• Conversational Setup: Create budgets by chatting with Aarohi
• Category Budgets: Set limits for food, transport, shopping, etc.
• Smart Suggestions: AI-recommended budget amounts based on your income
• Real-time Tracking: See budget progress as you spend
• Overspending Alerts: Get notified when approaching or exceeding limits
• Budget Analytics: Monthly reports and spending insights
• Flexible Adjustments: Easy to modify budgets as needed

Financy's savings goals feature helps you achieve your financial objectives:

• Goal Creation: Set targets for vacation, gadgets, emergency fund, etc.
• Target Amount & Timeline: Define how much you want to save and by when
• Monthly Recommendations: AI suggests how much to save monthly
• Progress Tracking: Visual progress bars and milestone celebrations
• Smart Insights: Tips on how to reach goals faster
• Goal Prioritization: Rank multiple goals by importance

Example: "I want to save ₹50,000 for a vacation in 10 months" - Aarohi will suggest saving ₹5,000 per month and track your progress.

Financy provides comprehensive financial analytics:

• Daily Insights: Personalized summary every evening at 8 PM
• Spending Patterns: Weekly and monthly spending breakdowns
• Category Analysis: See where your money goes with visual charts
• Trend Analysis: Compare spending across different time periods
• Budget Performance: Track how well you're sticking to budgets
• Savings Rate: Monitor your saving percentage over time
• Smart Recommendations: Personalized tips to optimize spending

Financy supports 10+ languages to cater to India's diversity:

• English: Full support for interface and voice commands
• Hindi (हिंदी): Complete localization
• Tamil (தமிழ்): Interface and voice recognition
• Telugu (తెలుగు): Full support
• Bengali (বাংলা): Interface and voice
• Marathi (मराठी): Complete support
• Gujarati (ગુજરાતી): Interface and voice
• Kannada (ಕನ್ನಡ): Full support
• Malayalam (മലയാളം): Interface and voice
• Punjabi (ਪੰਜਾਬੀ): Complete support

Voice Commands: You can speak expenses in any supported language, and Aarohi will understand and respond appropriately.

Your financial data is extremely secure with bank-level security measures:

• 100% Offline Storage: All data stays on your device, never transmitted
• Local Encryption: Data encrypted using AES-256 encryption
• Biometric Authentication: Face ID, Touch ID, or Fingerprint protection
• No Cloud Servers: We don't have servers, so there's nothing to hack
• No Third-party Access: No analytics, ads, or data sharing
• Device-level Security: Protected by your phone's security features

No, I don't collect any personal information. Financy follows a strict zero-data-collection policy:

• ❌ No personal information (name, email, phone)
• ❌ No financial transactions or account details
• ❌ No location or device tracking
• ❌ No usage analytics or app behavior tracking
• ❌ No voice recordings stored
• ❌ No advertising IDs or cookies

What we do: Provide a completely offline experience where your data belongs only to you.

Aarohi uses on-device AI processing for complete privacy:

• Local AI Models: AI algorithms run entirely on your phone
• Edge Computing: Processing happens locally, not in the cloud
• Embedded Intelligence: Pre-trained models built into the app
• No Internet Required: AI works even in airplane mode
• Device Learning: Personalization happens locally
• Voice Processing: Speech recognition runs on your device

Technical Details: We use optimized machine learning models that can run efficiently on mobile devices without requiring cloud connectivity.

If you lose your phone, your data remains secure, but regular backups are crucial:

• Data Security: Biometric protection prevents unauthorized access
• Local Encryption: Data is encrypted and useless without authentication
• Recovery: Only possible if you have created backups
• Fresh Start: Install Financy on new device and restore from backup

Backup Options:

• Export encrypted backups to Google Drive, iCloud, or Dropbox
• Save backup files to external storage
• Create multiple backup copies for safety

No, your data is completely private and protected from unauthorized access:

• Biometric Lock: Only your Face ID, Touch ID, or Fingerprint opens the app
• App-level Security: Financy locks automatically when minimized
• No Sharing Features: No built-in sharing or collaboration tools
• Individual Profiles: Each device has separate, isolated data
• No Cloud Sync: Data doesn't sync between devices or accounts

Multi-Device Usage: If family members want to use Financy, they should install it separately on their own devices for complete privacy.

Financy is available on both major mobile platforms:

Android:

• Android 7.0 (API level 24) or higher
• At least 2GB RAM for optimal performance
• 100MB storage space required
• Supports all Android devices with biometric authentication

iOS:

• iOS 13.0 or later
• Compatible with iPhone 6s and later
• iPad Air 2 and later (iPad version)
• Requires devices with Face ID or Touch ID

Creating Backups:

• Go to Settings → Backup & Export
• Choose "Create Encrypted Backup"
• Set a backup password (remember this!)
• Choose destination: Google Drive, iCloud, or local file
• Backup includes all transactions, budgets, and goals

Restoring Data:

• Install Financy on your new device
• During setup, choose "Restore from Backup"
• Select your backup file
• Enter your backup password
• Wait for restoration to complete

Yes! Financy works 100% offline. Internet is not required for:

• ✅ Adding and tracking expenses
• ✅ Voice expense tracking and recognition
• ✅ Aarohi AI assistant conversations
• ✅ Budget management and monitoring
• ✅ Savings goal tracking
• ✅ Generating insights and reports
• ✅ All AI-powered recommendations

Internet only needed for:

• Initial app download from store
• App updates
• Uploading backups to cloud services (optional)

Financy offers multiple export formats for data portability:

Available Formats:

• CSV: Import into Excel, Google Sheets, or other spreadsheet apps
• JSON: Structured data for migration to other finance apps
• PDF: Professional financial reports with charts and summaries
• Encrypted Backup: Complete data backup for restoration

Export Options:

• All transactions with categories and dates
• Budget data and spending limits
• Savings goals and progress
• Custom date ranges for reports
• Monthly, quarterly, or yearly summaries

Yes, Financy is completely free with absolutely no hidden costs!

What's Free:

• ✅ All features including Aarohi AI assistant
• ✅ Unlimited expense tracking
• ✅ Voice recognition in all supported languages
• ✅ Budget management and insights
• ✅ Savings goals tracking
• ✅ Data export and backup features
• ✅ All future updates and new features

No Costs For:

• ❌ No subscription fees
• ❌ No premium tiers or upgrades
• ❌ No in-app purchases
• ❌ No advertisements
• ❌ No transaction fees

Great question! Financy operates on a privacy-first, user-first business model:

We DON'T make money from:

• ❌ Selling your data (I don't collect it)
• ❌ Showing advertisements
• ❌ Premium subscriptions or paid features
• ❌ Transaction fees or commissions

My sustainable approach:

• 💡 Passionate team building for social impact
• 💡 Lean operations with minimal overhead
• 💡 Focus on user value over profit maximization
• 💡 Potential future ethical monetization (with full transparency)

Yes, Financy's core features will always remain free. This is our firm commitment to users.

Forever Free Features:

• Expense tracking and categorization
• Aarohi AI assistant and voice recognition
• Budget management and monitoring
• Savings goals tracking
• Basic insights and reports
• Data backup and export

Potential Future (Optional) Premium Features:

• Advanced business/enterprise features
• Extended cloud storage options
• Premium support channels

My Promise: Any future monetization will be transparent, optional, and will never compromise privacy or core functionality.

If voice recognition isn't working well, try these troubleshooting steps:

Basic Troubleshooting:

• Check microphone permissions for Financy
• Ensure you're in a quiet environment
• Speak clearly and at normal pace
• Try restarting the app
• Check if your device language matches Financy's language setting

Advanced Solutions:

• Go to Settings → Voice & Language → Recalibrate Voice
• Clear app cache (Android) or reinstall app (iOS)
• Update Financy to the latest version
• Try using different phrases or speaking styles
• Check if other voice apps work on your device

Performance issues can usually be resolved with these steps:

Immediate Solutions:

• Close other apps to free up memory
• Restart Financy app completely
• Restart your device
• Check available storage space (need at least 500MB free)

Advanced Fixes:

• Update to the latest version of Financy
• Clear app cache (Android: Settings → Apps → Financy → Storage → Clear Cache)
• Check if your device meets minimum requirements
• Reduce the number of background apps
• Consider archiving old transactions if you have thousands

If problems persist:

• Create a backup of your data
• Uninstall and reinstall Financy
• Restore from backup

Biometric authentication issues can be resolved with these steps:

Quick Fixes:

• Clean your device's biometric sensor (fingerprint reader/camera)
• Ensure your hands are clean and dry
• Try different angles or positions
• Use the PIN backup option if available

Device-Level Solutions:

• Check device settings → Biometrics and update/re-register
• Restart your device
• Verify biometric authentication works with other apps
• Update your device's operating system

App-Level Solutions:

• Go to Financy Settings → Security → Reset Authentication
• Re-setup biometric authentication in the app
• Set up a backup PIN for future access

Data discrepancies can occur for various reasons. Here's how to troubleshoot:

Check for Common Issues:

• Verify date ranges in your expense view filters
• Check if expenses are in different categories than expected
• Look for duplicate entries that might skew totals
• Ensure you're viewing the correct time period

Data Recovery Steps:

• Check if you have recent backups to compare against
• Look in Settings → Data Management → Recovery Options
• Use the search function to find specific transactions
• Check transaction history for deleted items

Prevention Measures:

• Create regular backups (weekly recommended)
• Double-check voice entries when adding expenses
• Review monthly summaries for accuracy
• Use consistent expense categories and merchants