Privacy Policy
Terms of Use

Privacy Policy

Effective August 15, 2025

Welcome to Lokcok!

Lokcok (“we,” “us,” or “our”) is committed to protecting your privacy and the security of your personal information. This Privacy Policy explains how we collect, use, share, and protect your information when you use the Lokcok mobile application (the “App”) and its related services.

By using the App, you agree to the collection and use of information in accordance with this policy.

We know, Privacy Policies are no fun. Here at Lokcok, our goal is to help make managing personal finance easier. In the course of providing our Services, we will collect certain information about you which is necessary for us to best achieve that goal. Our intent is to only collect the information we need to best serve you. We never sell your financial data.

1. Information We Collect

We collect different types of information to provide and improve our service to you.

a) Information You Provide Directly:

  • Account Information: When you register for an account, we collect information such as your email and login information.
  • Financial Information: To use the core features of the App, you may provide financial information, including but not limited to:
    • Transaction data (income, savings, debt payment)
    • Assets and their related transactions
    • Savings goals
    • Debts

b) Information We Collect Automatically:

  • Usage Data: We collect information about how you interact with the App, such as the features you use, the screens you visit, and the time and frequency of your usage.
  • Device Information: We collect information about your mobile device, including the hardware model, operating system version, unique device identifiers, IP address, and mobile network information.
  • Crash Data: If the App crashes, we may collect diagnostic data to help identify and fix the problem.

2. How We Use Your Information

We use the information we collect for various purposes:

  • To Provide and Maintain the Service: To operate the core features of the app, such as expense tracking, savings tracking, debt payment tracking and generating financial reports.
  • To Personalize Your Experience: To provide financial analysis, insights, and recommendations based on your data.
  • To Improve the App: To analyze usage data to understand our users’ needs, fix bugs, and develop new features.

3. How We Share Your Information

We do not sell or rent your personal information to third parties. We only share your information with third-party partners who provide services on our behalf, such as cloud hosting (e.g., Amazon Web Services, Google Cloud), data analytics (e.g., Google Analytics for Firebase), and customer support. These partners are only permitted to use your information to perform these tasks and are obligated to keep it confidential.

4. Data Security

We seek to protect your Personal Data from unauthorized access, use and disclosure using appropriate physical, technical, organizational and administrative security measures based on the type of Personal Data and how we are processing that data. You should also help protect your data by appropriately selecting and protecting your password and/or other sign-on mechanism; limiting access to your device. Although we work to protect the security of your account and other data that we hold in our records, please be aware that no method of transmitting data over the internet or storing data is completely secure.

5. Your Rights

You have the following rights regarding your personal information:

  • Right to Access: You have the right to access and view the personal information we hold about you.
  • Right to Rectification: You have the right to request that we correct any information you believe is inaccurate or incomplete.
  • Right to Erasure: You have the right to request the deletion of your account and all associated data. You can do this through the settings in the App or by contacting us directly.

6. Children’s Privacy

Our Service is not intended for anyone under the age of 13 (“Children”). We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us.

7. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes.

8. Contact Us

If you have any questions about this Privacy Policy, please get in touch with us:

  • Email: contact@lokcok.com
  • Website: https://lokcok.com