Last updated: 01.06.2026
Walvio is the marketing name of the CashFlow AI application. The Application is operated by Yevhen Bielobrov, conducting business as a Jednoosobowa dzialalnosc gospodarcza (JDG), registered in Poland.
NIP: 5223312029
Contact: support@walvio.app
Data protection contact: privacy@walvio.app
1. Scope of this Policy
This Privacy Policy applies to the Walvio mobile applications, web application, website, landing pages, and related services. Some sections, such as cookies, apply only to the website or landing pages.
2. Personal Data We Collect
We may collect the following categories of personal data:
- Account Data: name, email address, authentication identifiers.
- Financial Data: transactions, categories, balances, cashflow records, and related financial inputs.
- Technical Data: IP address, device type, operating system, browser type, app version.
- Usage Data: interactions with features, session activity, product usage events.
- Website Data: cookies, analytics data, referral source, and landing page activity.
3. Purposes of Processing
We process personal data to:
- provide, operate, and maintain the Application;
- create and manage your account;
- process financial records entered or imported by you;
- generate cashflow analytics and insights;
- improve product performance, usability, and security;
- detect abuse, fraud, or unauthorized access;
- communicate with you about the service.
4. Legal Basis under GDPR
We process personal data based on:
- Article 6(1)(b) GDPR - performance of a contract;
- Article 6(1)(f) GDPR - legitimate interests, including security, analytics, and product improvement, provided such interests do not override your rights;
- Article 6(1)(a) GDPR - consent, where required, for example for optional cookies or marketing communication;
- Article 6(1)(c) GDPR - compliance with legal obligations, where applicable.
5. Data Storage and Security
Your data is stored using secure cloud infrastructure, such as Microsoft Azure, preferably in the European Union where possible.
We apply security measures including:
- encryption in transit using HTTPS/TLS;
- encryption at rest where applicable;
- role-based access controls;
- logging and monitoring;
- secure authentication mechanisms;
- infrastructure practices aligned with OWASP recommendations.
6. Data Sharing
We do not sell your personal data.
We may share limited data with trusted service providers, including:
- cloud infrastructure providers;
- authentication providers such as Google or Apple;
- analytics providers;
- payment providers, if paid features are introduced.
These providers process data under contractual safeguards and only as necessary to provide the service.
7. International Data Transfers
If personal data is transferred outside the European Economic Area, we use appropriate safeguards, such as Standard Contractual Clauses or other legally recognized transfer mechanisms.
8. Data Retention
We retain personal data for as long as your account is active, as long as necessary to provide the service, or as required by applicable law.
After account deletion, personal and financial data is deleted, except for minimal technical or legal records that may need to be retained under applicable law.
9. Your Rights
Under GDPR, you have the right to:
- access your personal data;
- correct inaccurate personal data;
- request deletion of your personal data;
- restrict processing;
- object to processing;
- request data portability;
- withdraw consent where processing is based on consent.
To exercise your rights, contact us at privacy@walvio.app.
10. Account and Data Deletion
You can request deletion of your account and data:
- inside the Application, if this feature is available;
- by email at privacy@walvio.app.
Deleted data may include account data, transactions, categories, balances, and cashflow records.
Deletion requests are usually processed within 30 days after identity verification.
11. Cookies and Tracking
On our website and landing pages, we may use cookies and similar technologies for essential functionality, analytics, performance monitoring, and user experience improvement.
Where required by law, we obtain your consent before using non-essential cookies.
12. Automated Processing and AI Insights
Walvio may use automated analytics and AI-based features to generate financial insights, forecasts, or suggestions.
These outputs are informational only and do not constitute financial, investment, legal, or tax advice.
13. Third-Party Data Sources
If you choose to connect third-party services, such as financial institutions, APIs, or import tools, we may receive data from those providers to deliver the requested functionality.
We are not responsible for the accuracy or availability of third-party data sources.
14. Children
The Application is not intended for users under 18 years old. We do not knowingly collect personal data from children.
15. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. The updated version will be indicated by a new "Last updated" date.
16. Contact
Yevhen Bielobrov
JDG, Poland
Email: support@walvio.app
Data protection: privacy@walvio.app