AI Usage Policy
Cashtro uses artificial intelligence to enhance your financial management experience. This policy explains how AI works within Cashtro, what data it processes, and its limitations.
1Overview
Cashtro integrates artificial intelligence across several features to provide smarter financial insights, automate data entry, and improve your overall experience. We are committed to using AI responsibly, transparently, and in ways that genuinely benefit you.
2How AI Is Used in Cashtro
📸 Receipt Scanning
AI extracts merchant, date, amount, tax, and category from uploaded receipt photos or documents.
🏷️ Smart Categorization
Transactions are automatically categorized based on merchant names and historical patterns.
📊 Financial Insights
AI analyzes your spending patterns to generate personalized summaries, alerts, and trends.
💡 Budget Suggestions
Based on historical spending, AI suggests budget limits and identifies potential savings.
⚡ Anomaly Detection
Unusual transactions or spending patterns are flagged for your review.
🗓️ Scheduler Suggestions
AI suggests recurring transaction entries based on observed frequency patterns.
💬 AI Chat Assistant
An AI assistant that helps you understand your finances, answer questions, and navigate the app.
📝 Smart Notes
AI can summarize and tag notes attached to your transactions.
3Data Handling in AI Features
Receipt & Document Processing
- Images are transmitted via encrypted TLS to AI vision APIs for processing.
- Images are processed ephemerally — they are NOT stored by the AI provider after processing unless you explicitly save the image in Cashtro.
- Extracted structured data (merchant, amount, date) is saved to your Cashtro account only after your confirmation.
Financial Insights
- Insight generation uses your own transaction history stored in your Cashtro account.
- When powered by external AI APIs, anonymized transaction summaries (not raw records) may be sent to the AI provider.
- Your complete, identifiable financial records are never sent to external AI providers.
AI Chat
- Messages you send to the AI chat assistant are processed by the AI provider to generate responses.
- Do not share sensitive credentials, complete PAN numbers, or banking passwords in AI chat.
- Chat history is stored in your Cashtro account and can be deleted at any time.
4AI Limitations & Disclaimers
AI features in Cashtro have inherent limitations you should be aware of:
- Not Always Accurate: AI-extracted receipt data may contain errors. Always verify AI-suggested data before saving.
- Not Financial Advice: AI insights, budget suggestions, and spending analyses are informational. They do not constitute professional financial or tax advice.
- Not Tax Guidance: AI features do not provide tax advice, filing assistance, or representation before tax authorities.
- Not Legal Advice: Nothing the AI generates constitutes legal advice.
- Context Limitations: AI may not understand highly specialized financial situations, local regulations, or unique business contexts.
- Service Availability: AI features depend on third-party APIs and may be temporarily unavailable due to API outages or capacity constraints.
5User Responsibilities
When using AI features, you agree to:
- Verify AI-generated data before using it for financial records, tax filings, or business decisions.
- Not rely solely on AI insights for material financial, tax, or investment decisions.
- Report clearly incorrect AI outputs to us at support@cashtro.in to help us improve.
- Not attempt to manipulate or "jailbreak" AI features to produce harmful, illegal, or unethical outputs.
- Not use AI chat to spread misinformation, generate harmful content, or harass others.
- Not upload documents belonging to third parties without authorization.
6AI Providers
Cashtro currently uses or may use the following AI providers to power various features:
- Google Gemini API — Vision-based receipt scanning, document processing, and conversational AI features.
- OpenAI API — Conversational AI, text generation, and smart categorization (where applicable).
- Internal ML Models — Proprietary categorization models trained on anonymized, aggregated data.
All external AI providers are bound by data processing agreements that prohibit using your data for training their public models. Provider usage may change as we update the Platform — this policy will be updated to reflect such changes.
7AI Safety & Ethics
Cashtro is committed to responsible AI use:
- Transparency: We clearly label AI-generated content and suggestions within the app.
- Human Oversight: Critical financial actions require your explicit confirmation; AI never autonomously modifies your financial records.
- Bias Awareness: We monitor AI outputs for patterns of bias and work to improve fairness.
- No Discriminatory Use: AI features will not be used to make discriminatory decisions about users based on protected characteristics.
- Continuous Improvement: We regularly evaluate AI outputs for accuracy and safety.
8Opting Out of AI Features
You can control AI feature usage from Settings > AI & Insights:
- Disable AI smart categorization (manual categories only)
- Disable AI insights and spending analysis
- Disable AI receipt scanning (manual entry only)
- Delete your AI chat conversation history
Disabling AI features does not affect your core financial record-keeping capabilities.
9Questions About AI
For questions about AI features, data handling, or to report problematic AI outputs: support@cashtro.in