Privacy Policy

Effective Date:

Thank you for choosing MoneyTracker: Budget & Expense ("we," "us," or "our"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and related services.

1. Information We Collect

A. Information You Provide

• Financial Data: Expense records, income entries, budget categories, account balances, and transaction details you manually enter
• Account Information: Email address (if you choose to create an account for sync/backup)
• Preferences: Your app settings, currency preferences, and notification preferences
• Custom Categories: Budget categories and tags you create

B. Automatically Collected Information

• Device Information: Device type, operating system version, app version
• Usage Data: App features you use, frequency of use, and crash reports (anonymous)
• Analytics: Non-personal aggregated usage statistics to improve the app

C. Optional Permissions

• Camera: Only if you choose to take photos of receipts (stored locally)
• Notifications: For budget alerts and reminders you set up

2. How We Use Your Information

• To provide and maintain the MoneyTracker service
• To process your financial calculations and generate reports
• To send you important updates about the app (if you opt-in)
• To improve app performance and fix bugs
• To develop new features based on usage patterns
• To ensure app security and prevent fraud

3. Data Storage & Security

Local Storage

By default, all your financial data is stored locally on your device using encrypted storage. This means your sensitive information never leaves your device unless you explicitly choose to back it up.

Optional Cloud Backup

If you choose to enable cloud backup/sync:

• Data is encrypted before transmission
• We use secure cloud storage providers
• You can disable sync at any time
• You can delete your cloud data permanently

Security Measures

• Data encryption at rest and in transit
• Secure authentication methods
• Regular security assessments
• Limited data access to authorized personnel only

4. Data Sharing & Disclosure

We do not sell, trade, or rent your personal financial information to third parties. We may share information only in these circumstances:

• With Your Consent: When you explicitly give us permission
• Service Providers: Trusted third parties who help us operate the app (e.g., cloud storage, analytics) under strict confidentiality agreements
• Legal Requirements: If required by law or to protect our legal rights
• Business Transfers: In connection with a merger, acquisition, or sale of assets

5. Your Rights & Choices

• Access & Export: You can export your data in CSV or PDF format anytime
• Correction: You can edit or delete any data you've entered
• Deletion: You can delete your account and all associated data
• Opt-out: You can opt-out of analytics and marketing communications
• Local-Only Mode: You can use the app completely offline without any data leaving your device

6. Third-Party Services

The app may contain links to third-party services. We are not responsible for their privacy practices. Please review their privacy policies separately:

• Firebase/Google Analytics: For app analytics (anonymous data)
• Cloud Storage Providers: For optional backup services
• Payment Processors: If you make in-app purchases

7. Children's Privacy

MoneyTracker is not intended for children under 13. We do not knowingly collect information from children under 13. If you believe we have collected such information, please contact us immediately.

8. International Data Transfers

If you use cloud backup features, your data may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for such transfers.

9. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by:

• Posting the new policy in the app
• Updating the "Effective Date" at the top
• Sending an in-app notification (if you opt-in)

Your continued use of the app after changes constitutes acceptance of the updated policy.