Privacy
ZayGuide Money is a ledger for due dates. It is not a bank and it does not move money. Late fees, interest, and loan figures are typical estimates, not a quote.
What we store
Your email, a hashed password if you use one, and the name, country, due day, amount, and reward style you type. Google or X sign-in stores the identity those services return. Each row is tied to your account.
What we do not store
No card number, expiry, or security code. No bank login. We do not email you, and we do not sell the ledger.
Who can see it
You can. Another account cannot. The host that runs the database can read the rows, the same way any app host can. If you tap Ask for a plan, that one request sends the amounts and names on the screen to xAI. Nothing is sent until you tap it.
Delete it
Settings can wipe the bills or delete the account. Deleting the account removes the ledger and the login. Export JSON first if you want a copy.
ZAY FUTURE LTD