BankLens AI Privacy Policy

Last Updated: November 3, 2026

This Privacy Policy explains how BankLens AI ("BankLens AI", "we", "us", or "our") handles information when you use the BankLens AI mobile application and related services.

BankLens AI is a document-conversion and financial-information organization tool. Please read this policy before submitting a bank statement, which may contain sensitive personal and financial information.

1. Information We Handle

1.1 Account Information

When you create or use an account, we may handle your email address, authentication-related information and information needed to maintain your account and provide account-related services.

1.2 Bank Statements and Financial Information

A PDF statement you select may contain sensitive financial information, including:

• Account-holder or account-identifying details appearing in the document;
• Transaction dates and descriptions;
• Debit and credit amounts and account balances;
• Income, expenses, transfers, withdrawals, taxes, fees and merchant information;
• Other information contained in the statement or extracted for your analysis.

We handle this information to provide the PDF conversion, transaction extraction, categorization, export and analysis features you choose to use.

1.3 Support Communications

If you contact us, we receive the information you choose to include in your message, such as your email address and the contents of your request.

2. How Statement Processing Works

BankLens AI processes the selected PDF and extracts transaction information within the application on your device. When you request AI analysis and approve the in-app disclosure, the relevant extracted transaction information is transmitted from the application to OpenAI through OpenAI's API.

Under the processing design described for this app, BankLens AI's own servers do not receive or store the selected bank-statement PDF or the transaction information sent directly to OpenAI. Account information needed to operate the service may be stored by our account or authentication infrastructure.

3. How We Use Information

We use information, as applicable, to:

• Create, authenticate and maintain user accounts;
• Convert selected PDF statements into structured data and export files;
• Extract and categorize transactions and generate requested summaries;
• Provide customer support and respond to privacy requests;
• Operate, maintain and secure the application;
• Detect, investigate and address technical or security issues;
• Meet applicable legal obligations.

We do not sell bank statements or extracted transaction information. We do not use bank-statement information for advertising.

4. OpenAI API and Other Service Providers

4.1 OpenAI Processing

BankLens AI uses OpenAI's API to provide AI-powered transaction analysis. When you request this feature and affirmatively approve the in-app disclosure, relevant extracted information may be sent to OpenAI.

This may include transaction dates, descriptions, debit and credit amounts, balances, income and expense information, and other transaction details needed to complete the request.

OpenAI states that API data is not used to train or improve its models by default, unless the API customer explicitly opts in to data sharing.

OpenAI's standard abuse-monitoring logs may retain certain customer content for up to 30 days by default, subject to the exceptions described in its documentation. Application-state retention can vary by API endpoint, feature and configuration.

For current details, review: OpenAI API Data Controls and OpenAI Privacy Policy .

4.2 Consent Before Sharing

Installing or registering for BankLens AI does not, by itself, send a bank statement to OpenAI.

Before the app sends financial information to OpenAI, it must show an in-app disclosure that clearly identifies the data being sent, the recipient (OpenAI), and the purpose. The user must take an affirmative action such as tapping an "Allow" button.

Declining must prevent the transfer and the AI analysis request. A privacy-policy link or general acceptance of terms alone is not a substitute for this disclosure and consent.

4.3 Other Providers

We may use providers for account authentication, hosting, database infrastructure, customer support, payments, security or other app operations, where those services are actually used.

Such providers may process information needed to perform their services. Our privacy policy and Google Play Data Safety form must accurately reflect the providers and SDKs included in the released app.

5. Data Storage and Retention

Account information may be stored for as long as needed to maintain your account and provide the service.

Under the processing design described in Section 2, BankLens AI's own servers do not store the statement PDF or the transaction information sent directly to OpenAI.

Information handled by OpenAI is subject to OpenAI's API retention controls and the endpoint and project settings used by BankLens AI.

We may retain limited information where reasonably necessary for security, fraud prevention, dispute resolution or legal compliance. Where data must be retained, we will limit retention to the applicable purpose and period.

6. Account and Data Deletion

You can delete your account using the Delete Account option in the BankLens AI app. You can also initiate an account deletion request by visiting our external BankLens AI Account Deletion page .

When a valid account-deletion request is completed, we delete the account and associated personal data held by us, unless specific information must be retained for a legitimate legal, security or fraud-prevention reason.

Data already processed by OpenAI may be subject to OpenAI's API retention rules. Deleting your BankLens AI account does not mean that OpenAI's independently controlled retention systems instantly erase all prior API logs.

Files selected from your device may remain in their original location in your device's file storage. Deleting your BankLens AI account does not necessarily delete files stored outside the app.

7. Your Privacy Choices and Rights

Subject to applicable law, you may request access to, correction of or deletion of personal information, ask questions about how information is used or shared, and withdraw consent for future AI processing.

You can decline AI processing, in which case the relevant AI feature will not run. Contact us using the details in Section 13.

8. Data Security

We use reasonable technical and organizational safeguards designed to protect information against unauthorized access, disclosure, alteration or loss.

Information transmitted between the app and service providers should be protected using secure transport encryption. No electronic transmission or storage system can be guaranteed to be completely secure.

Users should protect their account credentials and avoid submitting statements they are not authorized to share.

9. Payments and Subscriptions

If BankLens AI offers paid subscriptions or in-app purchases, the payment platform or payment provider shown at checkout processes the payment.

We may receive limited purchase information, such as subscription status or transaction identifiers, needed to activate and manage the purchased service.

10. Financial Information Disclaimer

BankLens AI is an independent document-conversion and financial-information organization tool.

It is not a bank, financial institution, lender, credit bureau or investment service. It does not execute banking transactions, transfer money, approve loans, approve visas or make investments on your behalf.

AI-generated extraction, categorization and summaries may be incomplete or inaccurate. Review important information against your original bank statement.

The app does not provide financial, investment, tax, accounting or legal advice.

11. Children's Privacy

BankLens AI is not directed to children under 13, and we do not knowingly collect personal information from children under 13.

If you believe a child has provided personal information, contact us so we can review the request and take appropriate steps.

12. International Processing

OpenAI and other service providers may process information in countries other than the country where you live.

When you choose AI analysis and approve the in-app disclosure, the information needed for that request may be transferred to OpenAI for processing.

13. Contact Us

14. Changes to This Policy

We may update this Privacy Policy when our app, service providers or data practices change.

We will update the date at the top of this page. Where required, we will provide additional notice or obtain consent before a material change takes effect.