Privacy Policy

1. Information Needed to Use Velto

To provide the App’s core functions, Velto may collect or process the following types of information.

1.1 Mobile Number

Velto may collect your mobile phone number when you register, sign in, verify your identity, or manage your account.

Your mobile number is used to support account creation, account access, identity verification, and user service operations.

We do not disclose your mobile number to unrelated third parties unless required by applicable law, necessary for security protection, or authorized by you.

1.2 Basic Device Data

Velto may collect limited technical information from your device, such as:

• Device model
• Device manufacturer
• Operating system version
• Device identifiers used for account and security checks
• Basic technical information required for app stability

This information helps us protect user accounts, identify abnormal access, prevent misuse, troubleshoot technical issues, and maintain reliable service operation.

1.3 Financial SMS Data

Velto may request permission to access SMS messages only when you choose to use automatic bookkeeping features.

If you grant SMS permission, Velto may identify financial transaction messages, including messages related to:

• Bank card transactions
• Payment or transfer results
• Receipt notifications
• Income or expense alerts
• Other financial transaction notices

Velto does not use this permission to read personal conversations, social messages, verification codes, promotional messages, or SMS content unrelated to financial transactions.

The purpose of SMS access is to help recognize transaction details, such as transaction amount, date, and transaction type, so that bookkeeping records can be created more conveniently.

1.4 Camera Access

Velto may ask for camera permission when you choose to take or upload a profile photo.

The camera is only used when you actively use the photo-related feature. Velto does not open the camera in the background or access it without your action.

1.5 Approximate Location

Velto may request access to your approximate location to check whether services are available in your area and to support compliance-related requirements.

Velto does not request precise location for continuous tracking purposes. Approximate location is accessed only when needed for the relevant service function.

2. Why Velto Uses Information

Velto may use collected or authorized information for the following purposes:

• To create, verify, and manage user accounts
• To provide manual bookkeeping features
• To support automatic bookkeeping based on authorized financial SMS messages
• To display and organize income and expense records
• To confirm whether the service is available in your region
• To protect accounts and reduce unauthorized or fraudulent activity
• To maintain app stability and fix technical issues
• To respond to user requests or support needs
• To comply with applicable laws, regulations, and legal obligations

3. Permission Control

Some Velto features require device permissions. You may allow or deny permissions based on your needs.

If you deny or disable a permission, some related features may not be available. For example, disabling SMS permission will not affect manual bookkeeping, but automatic transaction recognition may not work.

You can manage permissions at any time through your device settings.

4. Storage and Protection of Information

Velto uses reasonable security measures to protect user information.

Information transmitted through the App is protected through encrypted connections. Service data is stored on protected systems associated with veltocsh.com.

We take steps to reduce the risk of unauthorized access, misuse, loss, alteration, or disclosure of information.

However, no electronic transmission or storage method can be guaranteed to be completely secure. Velto will continue to apply appropriate safeguards to protect user information.

5. When Information May Be Shared

Velto does not sell or rent users’ personal information.

We may share information only under limited circumstances, such as:

• When required by law, regulation, legal process, or government request
• When necessary to protect the safety, rights, or property of users, Velto, or the public
• When necessary to detect, prevent, or respond to fraud, abuse, security risks, or technical issues
• When you have given clear consent

6. Account and Data Choices

You may access, update, or manage certain account information within the App.

You may also request account deletion through the following path:

After your deletion request is processed, Velto will delete or anonymize your personal information, unless we are required to keep certain information for legal compliance, dispute handling, fraud prevention, security protection, or other lawful purposes.

7. Retention Period

Velto keeps information only for the period necessary to provide the services, fulfill the purposes described in this Privacy Policy, protect account security, resolve disputes, or meet legal requirements.

When information is no longer needed, we will delete it, anonymize it, or process it securely in accordance with applicable requirements.

8. Users Under 18

Velto is not intended for users under 18 years old.

We do not knowingly collect information from minors. If we become aware that information from a user under 18 has been collected, we will take reasonable steps to remove it.

9. Changes to This Policy

Velto may revise this Privacy Policy when app functions, service practices, or legal requirements change.

If important changes are made, we may notify users through the App or other appropriate methods.

Your continued use of Velto after the updated Privacy Policy becomes effective means that you accept the revised version.

10. Contact Us

For questions, requests, or concerns about this Privacy Policy or the handling of your information, please contact us at: