PRIVACY POLICY
Last updated June 26, 2026
This Privacy Notice for O. Dudko ("we,"
"us," or "our"), describes how and why
we might access, collect, store, use, and/or share
("process") your personal information when you use our
services ("Services"), including when you:
- Visit our website at https://vtrata.com/ or any website of ours that links to this Privacy Notice
- Download and use our mobile application (Vtrata), or any other application of ours that links to this Privacy Notice
- Use Vtrata. Vtrata is an AI-powered personal budgeting mobile app. Users track their spending by scanning paper receipts, recording short voice notes, or entering expenses manually, and can set up recurring expenses. The app automatically categorizes transactions and shows clear analytics to help users understand and control their finances. Vtrata does not connect to users' bank accounts.
- Engage with us in other related ways, including any marketing or events
Questions or concerns? Reading this Privacy Notice will
help you understand your privacy rights and choices. We are responsible
for making decisions about how your personal information is processed.
If you do not agree with our policies and practices, please do not use
our Services. If you still have any questions or concerns, please
contact us at
[email protected].
SUMMARY OF KEY POINTS
This summary provides key points from our Privacy Notice, but
you can find out more details about any of these topics by
clicking the link following each key point or by using our table of contents below to find the section you are looking for.
What personal information do we process? When you
visit, use, or navigate our Services, we may process personal
information depending on how you interact with us and the Services, the
choices you make, and the products and features you use. Learn more
about personal information you disclose to us.
Do we process any sensitive personal information? Some
of the information may be considered "special" or "sensitive" in certain
jurisdictions, for example your racial or ethnic origins, sexual
orientation, and religious beliefs. We do not process sensitive personal
information.
Do we collect any information from third parties? We do
not collect any information from third parties.
How do we process your information? We process your
information to provide, improve, and administer our Services,
communicate with you, for security and fraud prevention, and to comply
with law. We may also process your information for other purposes with
your consent. We process your information only when we have a valid
legal reason to do so. Learn more about how we process your information.
In what situations and with which parties do we share personal
information?
We may share information in specific situations and with specific third
parties. Learn more about when and with whom we share your personal information.
How do we keep your information safe? We have adequate
organizational and technical processes and procedures in place to
protect your personal information. However, no electronic transmission
over the internet or information storage technology can be guaranteed to
be 100% secure, so we cannot promise or guarantee that hackers,
cybercriminals, or other unauthorized third parties will not be able to
defeat our security and improperly collect, access, steal, or modify
your information. Learn more about how we keep your information safe.
What are your rights? Depending on where you are
located geographically, the applicable privacy law may mean you have
certain rights regarding your personal information. Learn more about your privacy rights.
How do you exercise your rights? The easiest way to
exercise your rights is by visiting mailto:[email protected], or by contacting us. We will consider and act upon any request in
accordance with applicable data protection laws.
Want to learn more about what we do with any information we collect? Review the Privacy Notice in full.
TABLE OF CONTENTS
1. WHAT INFORMATION DO WE COLLECT?
Personal information you disclose to us
In Short: We collect personal information that you provide to us.
We collect personal information that you voluntarily provide to us when
you register on the Services, express an interest in obtaining
information about us or our products and Services, when you participate
in activities on the Services, or otherwise when you contact us.
Personal Information Provided by You. The personal
information that we collect depends on the context of your interactions
with us and the Services, the choices you make, and the products and
features you use. The personal information we collect may include the
following:
- names
- email addresses
- passwords
- financial information (expenses, transactions, and budgets)
- receipt images
- voice recordings
Sensitive Information. We do not process sensitive
information.
Payment Data. We may collect data necessary to process
your payment if you choose to make purchases, such as your payment
instrument number, and the security code associated with your payment
instrument. All payment data is handled and stored by Stripe. You may
find their privacy notice link(s) here:
https://stripe.com/privacy.
Social Media Login Data. We may provide you with the
option to register with us using your existing social media account
details, like your Facebook, X, or other social media account. If you
choose to register in this way, we will collect certain profile
information about you from the social media provider, as described in
the section called "HOW DO WE HANDLE YOUR SOCIAL LOGINS?" below.
Application Data. If you use our application(s), we
also may collect the following information if you choose to provide us
with access or permission:
- Mobile Device Access. We may request access or permission to certain features from your mobile device, including your mobile device's camera, microphone, and other features. If you wish to change our access or permissions, you may do so in your device's settings.
- Mobile Device Data. We automatically collect device information (such as your mobile device ID, model, and manufacturer), operating system, version information and system configuration information, device and application identification numbers, browser type and version, hardware model Internet service provider and/or mobile carrier, and Internet Protocol (IP) address (or proxy server). If you are using our application(s), we may also collect information about the phone network associated with your mobile device, your mobile device’s operating system or platform, the type of mobile device you use, your mobile device’s unique device ID, and information about the features of our application(s) you accessed.
- Push Notifications. We may request to send you push notifications regarding your account or certain features of the application(s). If you wish to opt out from receiving these types of communications, you may turn them off in your device's settings.
This information is primarily needed to maintain the security and
operation of our application(s), for troubleshooting, and for our
internal analytics and reporting purposes.
All personal information that you provide to us must be true,
complete, and accurate, and you must notify us of any changes to
such personal information.
Information automatically collected
In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Services.
We automatically collect certain information when you visit, use, or
navigate the Services. This information does not reveal your
specific identity (like your name or contact information) but may
include device and usage information, such as your IP address,
browser and device characteristics, operating system, language
preferences, referring URLs, device name, country, location,
information about how and when you use our Services, and other
technical information. This information is primarily needed to
maintain the security and operation of our Services, and for our
internal analytics and reporting purposes.
Like many businesses, we also collect information through cookies
and similar technologies.
The information we collect includes:
- Log and Usage Data. Log and usage data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our Services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about your activity in the Services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called "crash dumps"), and hardware settings).
- Device Data. We collect device data such as information about your computer, phone, tablet, or other device you use to access the Services. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.
- Location Data. We collect location data such as information about your device's location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Services. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. However, if you choose to opt out, you may not be able to use certain aspects of the Services.
Google API
Our use of information received from Google APIs will adhere to Google API Services User Data Policy, including the Limited Use requirements.2. HOW DO WE PROCESS YOUR INFORMATION?
In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.
We process your personal information for a variety of reasons,
depending on how you interact with our Services,
including:
- To facilitate account creation and authentication and otherwise manage user accounts. We may process your information so you can create and log in to your account, as well as keep your account in working order.
- To deliver and facilitate delivery of services to the user. We may process your information to provide you with the requested service.
- To respond to user inquiries/offer support to users. We may process your information to respond to your inquiries and solve any potential issues you might have with the requested service.
- To send administrative information to you. We may process your information to send you details about our products and services, changes to our terms and policies, and other similar information.
- To fulfill and manage your orders. We may process your information to fulfill and manage your orders, payments, returns, and exchanges made through the Services.
- To request feedback. We may process your information when necessary to request feedback and to contact you about your use of our Services.
- To protect our Services. We may process your information as part of our efforts to keep our Services safe and secure, including fraud monitoring and prevention.
- To evaluate and improve our Services, products, marketing, and your experience. We may process your information when we believe it is necessary to identify usage trends, determine the effectiveness of our promotional campaigns, and to evaluate and improve our Services, products, marketing, and your experience.
- To determine the effectiveness of our marketing and promotional campaigns. We may process your information to better understand how to provide marketing and promotional campaigns that are most relevant to you.
- To comply with our legal obligations. We may process your information to comply with our legal obligations, respond to legal requests, and exercise, establish, or defend our legal rights.
Vendors,
Consultants,
and
Other
Third-Party
Service
Providers.
We may
share
your
data
with
third-party
vendors,
service
providers,
contractors,
or
agents
("third
parties") who
perform
services
for us
or on
our
behalf
and
require
access
to such
information
to do
that
work. We
have
contracts
in place
with our
third
parties,
which
are
designed
to help
safeguard
your
personal
information.
This
means
that
they
cannot
do
anything
with
your
personal
information
unless
we have
instructed
them to
do it.
They
will
also not
share
your
personal
information
with any
organization
apart
from us.
They
also
commit
to
protect
the data
they
hold on
our
behalf
and to
retain
it for
the
period
we
instruct.
The
third
parties
we may
share
personal
information
with are
as
follows:
- AI Service Providers
OpenAI
- Functionality and Infrastructure Optimization
Supabase
- Invoice and Billing
Stripe
- User Account Registration and Authentication
Google
Sign-In
and
Apple
- Web and Mobile Analytics
Google
Analytics
and
Google
Analytics
for
Firebase
- Website Hosting
railway
We also
may need
to share
your
personal
information
in the
following
situations:
- Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
We
may
use
cookies
and
similar
tracking
technologies
(like
web
beacons
and
pixels)
to
gather
information
when
you
interact
with
our
Services.
Some
online
tracking
technologies
help
us
maintain
the
security
of
our
Services
and
your
account,
prevent
crashes,
fix
bugs,
save
your
preferences,
and
assist
with
basic
site
functions.
We
also
permit
third
parties
and
service
providers
to
use
online
tracking
technologies
on
our
Services
for
analytics
and
advertising,
including
to
help
manage
and
display
advertisements,
to
tailor
advertisements
to
your
interests,
or
to
send
abandoned
shopping
cart
reminders
(depending
on
your
communication
preferences).
The
third
parties
and
service
providers
use
their
technology
to
provide
advertising
about
products
and
services
tailored
to
your
interests
which
may
appear
either
on
our
Services
or
on
other
websites.
Specific
information
about
how
we
use
such
technologies
and
how
you
can
refuse
certain
cookies
is
set
out
in
our
Cookie
Notice.
Google Analytics
We may share your information with Google Analytics to track and analyze the use of the Services. The Google Analytics Advertising Features that we may use include: Google Analytics Demographics and Interests Reporting. To opt out of being tracked by Google Analytics across the Services, visit https://tools.google.com/dlpage/gaoptout. You can opt out of Google Analytics Advertising Features through Ads Settings and Ad Settings for mobile apps. Other opt out means include http://optout.networkadvertising.org/ and http://www.networkadvertising.org/mobile-choice. For more information on the privacy practices of Google, please visit the Google Privacy & Terms page.5. DO WE OFFER ARTIFICIAL INTELLIGENCE-BASED PRODUCTS?
In Short: We offer products, features, or tools powered by artificial intelligence, machine learning, or similar technologies.
As
part
of
our
Services,
we
offer
products,
features,
or
tools
powered
by
artificial
intelligence,
machine
learning,
or
similar
technologies
(collectively,
"AI
Products").
These
tools
are
designed
to
enhance
your
experience
and
provide
you
with
innovative
solutions.
The
terms
in
this
Privacy
Notice
govern
your
use
of
the
AI
Products
within
our
Services.
Use
of
AI
Technologies
We
provide
the
AI
Products
through
third-party
service
providers
("AI
Service
Providers"),
including
OpenAI.
As
outlined
in
this
Privacy
Notice,
your
input,
output,
and
personal
information
will
be
shared
with
and
processed
by
these
AI
Service
Providers
to
enable
your
use
of
our
AI
Products
for
purposes
outlined
in
"WHEN
AND
WITH
WHOM
DO
WE
SHARE
YOUR
PERSONAL
INFORMATION?"
You
must
not
use
the
AI
Products
in
any
way
that
violates
the
terms
or
policies
of
any
AI
Service
Provider.
Our
AI
Products
Our
AI
Products
are
designed
for
the
following
functions:
- Image analysis
- Text analysis
How
We
Process
Your
Data
Using
AI
All
personal
information
processed
using
our
AI
Products
is
handled
in
line
with
our
Privacy
Notice
and
our
agreement
with
third
parties.
This
ensures
high
security
and
safeguards
your
personal
information
throughout
the
process,
giving
you
peace
of
mind
about
your
data's
safety.
Our
Services
offer
you
the
ability
to
register
and
log
in
using
your
third-party
social
media
account
details
(like
your
Facebook
or
X
logins).
Where
you
choose
to
do
this,
we
will
receive
certain
profile
information
about
you
from
your
social
media
provider.
The
profile
information
we
receive
may
vary
depending
on
the
social
media
provider
concerned,
but
will
often
include
your
name,
email
address,
friends
list,
and
profile
picture,
as
well
as
other
information
you
choose
to
make
public
on
such
a
social
media
platform.
We
will
use
the
information
we
receive
only
for
the
purposes
that
are
described
in
this
Privacy
Notice
or
that
are
otherwise
made
clear
to
you
on
the
relevant
Services.
Please
note
that
we
do
not
control,
and
are
not
responsible
for,
other
uses
of
your
personal
information
by
your
third-party
social
media
provider.
We
recommend
that
you
review
their
privacy
notice
to
understand
how
they
collect,
use,
and
share
your
personal
information,
and
how
you
can
set
your
privacy
preferences
on
their
sites
and
apps.
7. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this Privacy Notice unless otherwise required by law.
We
will
only
keep
your
personal
information
for
as
long
as
it
is
necessary
for
the
purposes
set
out
in
this
Privacy
Notice,
unless
a
longer
retention
period
is
required
or
permitted
by
law
(such
as
tax,
accounting,
or
other
legal
requirements).
No
purpose
in
this
notice
will
require
us
keeping
your
personal
information
for
longer
than
the
period
of
time
in
which
users
have
an
account
with
us.
When
we
have
no
ongoing
legitimate
business
need
to
process
your
personal
information,
we
will
either
delete
or
anonymize
such
information,
or,
if
this
is
not
possible
(for
example,
because
your
personal
information
has
been
stored
in
backup
archives),
then
we
will
securely
store
your
personal
information
and
isolate
it
from
any
further
processing
until
deletion
is
possible.
8. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect your personal information through a system of organizational and technical security measures.
We
have
implemented
appropriate
and
reasonable
technical
and
organizational
security
measures
designed
to
protect
the
security
of
any
personal
information
we
process.
However,
despite
our
safeguards
and
efforts
to
secure
your
information,
no
electronic
transmission
over
the
Internet
or
information
storage
technology
can
be
guaranteed
to
be
100%
secure,
so
we
cannot
promise
or
guarantee
that
hackers,
cybercriminals,
or
other
unauthorized
third
parties
will
not
be
able
to
defeat
our
security
and
improperly
collect,
access,
steal,
or
modify
your
information.
Although
we
will
do
our
best
to
protect
your
personal
information,
transmission
of
personal
information
to
and
from
our
Services
is
at
your
own
risk.
You
should
only
access
the
Services
within
a
secure
environment.
9. WHAT ARE YOUR PRIVACY RIGHTS?
In Short: You may review, change, or terminate your account at any time, depending on your country, province, or state of residence.
Withdrawing
your
consent:
If
we
are
relying
on
your
consent
to
process
your
personal
information,
which
may
be
express
and/or
implied
consent
depending
on
the
applicable
law,
you
have
the
right
to
withdraw
your
consent
at
any
time.
You
can
withdraw
your
consent
at
any
time
by
contacting
us
by
using
the
contact
details
provided
in
the
section
"HOW
CAN
YOU
CONTACT
US
ABOUT
THIS
NOTICE?"
below.
However,
please
note
that
this
will
not
affect
the
lawfulness
of
the
processing
before
its
withdrawal
nor,
when
applicable
law
allows,
will
it
affect
the
processing
of
your
personal
information
conducted
in
reliance
on
lawful
processing
grounds
other
than
consent.
Account Information
If you would at any time like to review or change the information in your account or terminate your account, you can:- Log in to your account settings and update your user account.
Upon
your
request
to
terminate
your
account,
we
will
deactivate
or
delete
your
account
and
information
from
our
active
databases.
However,
we
may
retain
some
information
in
our
files
to
prevent
fraud,
troubleshoot
problems,
assist
with
any
investigations,
enforce
our
legal
terms
and/or
comply
with
applicable
legal
requirements.
Cookies
and
similar
technologies:
Most
Web
browsers
are
set
to
accept
cookies
by
default.
If
you
prefer,
you
can
usually
choose
to
set
your
browser
to
remove
cookies
and
to
reject
cookies.
If
you
choose
to
remove
cookies
or
reject
cookies,
this
could
affect
certain
features
or
services
of
our
Services.
If
you
have
questions
or
comments
about
your
privacy
rights,
you
may
email
us
at
[email protected].
10. CONTROLS FOR DO-NOT-TRACK FEATURES
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Notice.11. DO WE MAKE UPDATES TO THIS NOTICE?
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.
We
may
update
this
Privacy
Notice
from
time
to
time.
The
updated
version
will
be
indicated
by
an
updated
"Revised"
date
at
the
top
of
this
Privacy
Notice.
If
we
make
material
changes
to
this
Privacy
Notice,
we
may
notify
you
either
by
prominently
posting
a
notice
of
such
changes
or
by
directly
sending
you
a
notification.
We
encourage
you
to
review
this
Privacy
Notice
frequently
to
be
informed
of
how
we
are
protecting
your
information.
12. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
If you have questions or comments about this notice, you may contact us by post at:
O.Dudko
__________
Spain,
Urbanizacion
la
Fresneda,
Siero
13. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?
Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, details about how we have processed it, correct inaccuracies, or delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances by applicable law. To request to review, update, or delete your personal information, please visit: mailto:[email protected].
This
Privacy
Policy
was
created
using
Termly's
Privacy
Policy
Generator
6. HOW DO WE HANDLE YOUR SOCIAL LOGINS?
In Short: If you choose to register or log in to our Services using a social media account, we may have access to certain information about you.