Effective Date: October 27, 2026
Developer: Ross Whitlock
Application: Epiquos — A Living Ledger
Contact: rwhitlock712@gmail.com
Epiquos — A Living Ledger ("Epiquos," "we," "our," or "us") is a personal financial management application designed to help individuals understand and manage their financial activity.
We believe your financial information belongs to you.
Epiquos is designed around privacy, user control, and local data storage. This Privacy Policy explains what information the application processes, how that information is used, and the choices available to users.
Epiquos allows users to enter and manage financial information, including:
Income and compensation information
Expenses and financial necessities
Assets and liabilities
Savings goals and Flow Reservoir values
Budget Differential calculations
Flow Snapshots and completed Flow Chapters
Flow Score and financial projections
Financial planning scenarios through Flow Potentials
Tax estimation preferences and related financial inputs
This information is primarily stored locally on your device.
Epiquos does not require users to create an Epiquos account to manage their primary financial ledger.
Financial information entered into the ledger is used to perform the calculations, comparisons, reports, and visualizations requested by the user.
Epiquos processes information to provide its core functions, including:
Calculating financial totals and budget differences
Tracking changes in personal finances
Preserving financial snapshots and historical records
Generating financial reports
Supporting financial planning and projections
Managing application preferences
Supporting optional data backup and restoration
Managing trial and purchase entitlement status
Epiquos does not use your personal financial entries for targeted advertising.
We do not sell your financial information to advertisers or data brokers.
Epiquos is designed to function primarily as an offline application.
Your financial ledger and application preferences are stored on your device, subject to the application's storage and security mechanisms.
Normal financial calculations do not require your information to be transmitted to a developer-operated financial server.
Users control the information they enter and the records they choose to maintain.
Epiquos offers optional Google Drive integration for backing up and restoring ledger information.
When you choose to connect Google Drive:
Google may request authentication and authorization.
Epiquos may access the Google Drive storage necessary to create and restore its application backups.
Ledger backup information is designed to be encrypted before cloud storage.
Google processes account authorization and cloud storage operations under its own privacy policies.
Google Drive integration is optional and is not required for ordinary offline financial tracking.
Disconnecting Google Drive does not necessarily delete backups previously stored in your Google account.
Google's privacy practices are described at:
https://policies.google.com/privacy
Epiquos may use biometric authentication supported by your device, such as fingerprint recognition, to protect sensitive operations.
Biometric authentication is performed through your device's operating system.
Epiquos does not collect or store your fingerprint images or raw biometric templates.
Biometric information remains managed by your device's security system.
Epiquos offers a 30-day free trial followed by an optional one-time lifetime purchase to continue using the full application.
Purchases made through the Android application are processed through Google Play Billing.
Google manages payment processing and related payment-account information.
Epiquos may receive purchase status, transaction identifiers, and entitlement information necessary to verify and restore purchases.
Epiquos does not receive your complete credit card number through Google Play Billing.
Google's payment-related privacy practices are governed by Google's applicable policies.
Epiquos may interact with third-party platform services necessary for selected features, including:
Google Play: Application distribution, purchases, purchase verification, and restoration.
Google Drive: Optional cloud backup and restoration.
Android operating system services: Biometric authentication, local storage, permissions, and device security.
These services may process account, device, diagnostic, or transaction information necessary for their operation according to their own privacy policies.
Epiquos does not sell personal financial records to third parties.
Epiquos may allow users to export financial information and reports.
When you choose to export or share information, the destination and handling of that exported information may be governed by the external application, storage provider, or recipient you select.
Users should review exported documents before sharing them because they may contain sensitive financial information.
Epiquos uses application and platform security mechanisms intended to protect financial information.
These include local application storage protections, operating-system authentication where applicable, and encryption for supported cloud backup operations.
No digital storage or transmission system can be guaranteed to be completely secure.
Users are encouraged to protect their devices with appropriate screen locks, maintain software updates, and safeguard access to their Google accounts.
Financial records stored locally remain on the device until removed through the application's supported controls or through device-level application data removal.
Removing the application may delete locally stored information, depending on the operating system and installation circumstances.
Cloud backups may remain in the user's Google Drive account after the application is removed. Users may manage application authorization and associated stored data through applicable Google account and Drive controls.
Records maintained by Google for purchases or other Google services are governed by Google's retention and deletion policies.
For questions about removing Epiquos-related information, users may contact the developer using the email address provided below.
Epiquos is a personal financial management application intended for a general audience and is not specifically designed for children under 13.
We do not knowingly use children's personal financial information for advertising or marketing.
If you believe information concerning a child has been improperly obtained, please contact us.
Epiquos supports multiple languages and currencies.
Users may access the application in countries where it is distributed.
Optional services such as Google Play and Google Drive may process information in different countries according to their respective policies and infrastructure.
We may update this Privacy Policy when Epiquos changes, new functionality is introduced, or legal requirements change.
Updates will be reflected by revising the effective date shown at the beginning of this policy.
Users are encouraged to review the policy periodically.
For privacy questions, requests concerning data, or other inquiries about Epiquos, contact:
Epiquos — A Living Ledger
Developer: Ross Whitlock
Email: rwhitlock712@gmail.com
Epiquos — A Living Ledger
Your finances. Your information. Your control.