Privacy Policy for Expense Tracker

Introduction

1. Information We Collect

1.1 Personal Information You Provide

When you use Expense Tracker, you may provide the following information:

Financial Data:

• Transaction details (amounts, dates, descriptions, notes)
• Account information (account names, types, balances)
• Budget information (budget amounts, categories)
• Category information (custom categories, icons, colors)
• Recurring transaction details

Google Account Information (Optional):

• Email address
• Name
• Profile picture
• Google Drive access (only when you enable backup features)

Important: All financial data is stored locally on your device. We do not have access to your transaction data, account balances, or any financial information unless you explicitly choose to use our backup features.

1.2 Automatically Collected Information

We may automatically collect certain information when you use the App:

Device Information:

• Device type and model
• Operating system version
• Unique device identifiers
• App version

Usage Information:

• App features used
• Crash reports and error logs
• Performance data

Important: This information is collected anonymously and is used solely to improve app performance and user experience.

1.3 Information We Do NOT Collect

We want to be clear about what we DO NOT collect:

• ❌ We do NOT collect your bank account numbers
• ❌ We do NOT collect your credit card numbers
• ❌ We do NOT collect your passwords
• ❌ We do NOT collect your Social Security Number or Tax ID
• ❌ We do NOT track your location
• ❌ We do NOT access your contacts
• ❌ We do NOT read your SMS or call logs
• ❌ We do NOT access your camera or microphone without permission
• ❌ We do NOT sell your data to third parties

2. How We Use Your Information

We use the information we collect for the following purposes:

2.1 To Provide and Maintain the App

• Store your financial data locally on your device
• Enable you to track expenses, income, and budgets
• Generate reports and analytics
• Provide backup and restore functionality

2.2 To Improve the App

• Analyze app usage patterns to improve features
• Fix bugs and technical issues
• Develop new features based on user needs
• Optimize app performance

2.3 To Communicate With You

• Respond to your support requests
• Send important updates about the App
• Notify you about new features (with your consent)
• Send premium subscription information

2.4 To Process Payments

• Process premium subscription purchases through Google Play
• Verify subscription status
• Handle refund requests

3. Data Storage and Security

3.1 Local Storage

3.2 Google Drive Backup (Optional)

If you choose to enable Google Drive backup:

• Your data is encrypted before upload
• Data is stored in your personal Google Drive account
• We do NOT have access to your Google Drive files
• You can delete backups at any time from your Google Drive
• Backups are stored in the app's private folder in your Google Drive

Automatic Backup (Premium Feature):

• Premium users can enable automatic daily backups
• Backups occur in the background when the app is opened
• You can disable automatic backup at any time

3.3 Security Measures

We implement industry-standard security measures:

• Encryption: Data is encrypted both at rest and in transit
• Secure Authentication: Google Sign-In uses OAuth 2.0
• No Server Storage: We don't store your financial data on our servers
• Regular Updates: We regularly update the App to fix security vulnerabilities
• Secure Payment: All payments are processed through Google Play's secure payment system

3.4 Data Retention

• Local Data: Stored on your device until you delete it
• Google Drive Backups: Stored until you delete them from your Google Drive
• Crash Reports: Retained for 90 days for debugging purposes
• Usage Analytics: Retained for 12 months in anonymized form

4. Third-Party Services

We use the following third-party services:

4.1 Google Play Services

Purpose: App distribution, in-app purchases, authentication

Data Shared:

• Device information
• Purchase history
• Google account information (when you sign in)

Privacy Policy: https://policies.google.com/privacy

4.2 Google Drive API

Purpose: Backup and restore functionality

Data Shared:

• Your financial data (only when you enable backup)
• Stored in your personal Google Drive account

Privacy Policy: https://policies.google.com/privacy

4.3 Google Sign-In

Purpose: Authentication for Google Drive backup

Data Shared:

• Email address
• Name
• Profile picture

Privacy Policy: https://policies.google.com/privacy

4.4 Firebase Crashlytics (Optional)

Purpose: Crash reporting and app stability

Data Shared:

• Crash logs
• Device information
• App version

Privacy Policy: https://firebase.google.com/support/privacy

5. Your Rights and Choices

5.1 Access and Control Your Data

You have the following rights:

• Access: View all your data within the App at any time
• Export: Export your data in CSV or PDF format (Premium)
• Delete: Delete individual transactions, categories, accounts, or all data
• Backup: Create backups to Google Drive
• Restore: Restore data from previous backups

5.2 Google Account Permissions

You can control Google account permissions:

• Sign Out: Disconnect your Google account at any time
• Revoke Access: Revoke app access from your Google Account settings
• Delete Backups: Delete backups from your Google Drive

5.3 Marketing Communications

You can opt out of marketing communications:

• Disable notifications in app settings
• Unsubscribe from emails (if applicable)

5.4 Data Deletion

You can delete your data:

Delete Individual Items:

• Delete specific transactions, accounts, categories, or budgets

Delete All Data:

• Option 1: Delete & Start Fresh (keeps categories/accounts)
• Option 2: Delete Permanently (removes everything)

Delete Backups:

• Go to your Google Drive
• Navigate to app folder
• Delete backup files

Uninstall App:

• Uninstalling the app deletes all local data
• Google Drive backups remain until you delete them

6. Children's Privacy

Expense Tracker is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us, and we will delete such information.

7. International Data Transfers

Your information, including personal data, may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ.

If you are located outside India and choose to provide information to us, please note that we transfer the data to India and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

8. California Privacy Rights (CCPA)

If you are a California resident, you have the following rights:

• Right to Know: You can request information about the personal data we collect
• Right to Delete: You can request deletion of your personal data
• Right to Opt-Out: You can opt-out of the sale of personal data (Note: We do NOT sell personal data)
• Right to Non-Discrimination: We will not discriminate against you for exercising your rights

To exercise these rights, please contact us at the email provided below.

9. European Privacy Rights (GDPR)

If you are in the European Economic Area (EEA), you have the following rights:

• Right of Access: Request access to your personal data
• Right to Rectification: Request correction of inaccurate data
• Right to Erasure: Request deletion of your data
• Right to Restrict Processing: Request restriction of processing
• Right to Data Portability: Request transfer of your data
• Right to Object: Object to processing of your data
• Right to Withdraw Consent: Withdraw consent at any time

To exercise these rights, please contact us at the email provided below.

Legal Basis for Processing:

• Consent: You provide consent when using backup features
• Contract: Processing necessary to provide the App services
• Legitimate Interest: Improving the App and fixing bugs

10. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by:

• Posting the new Privacy Policy in the App
• Updating the "Last Updated" date
• Sending a notification (for significant changes)

You are advised to review this Privacy Policy periodically for any changes. Changes are effective when posted.

Version History:

• v1.0 - December 10, 2025: Initial comprehensive privacy policy

11. Data Breach Notification

In the unlikely event of a data breach that affects your personal information, we will:

• Notify affected users within 72 hours
• Provide details about the breach
• Explain steps we're taking to address it
• Advise on protective measures you can take

12. Cookies and Tracking Technologies

We do NOT use cookies or tracking technologies in the Expense Tracker app. We do not track your browsing behavior or use advertising identifiers.

13. Your Consent

By using Expense Tracker, you consent to our Privacy Policy and agree to its terms.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us:

• Email: fluxhivestudios@gmail.com
• App: Settings → Help & FAQ → Contact Support
• Response Time: We aim to respond within 48 hours

© 2025 Expense Tracker. All rights reserved.