Welcome to Arthik ("we," "our," or "us").
Arthik is a personal finance application that helps users manage their finances by organizing transactions, analyzing spending habits, and optionally importing transaction information from SMS messages stored on their device.
Your privacy is important to us. This Privacy Policy explains:
What information we collect
Why we collect it
How we use it
How we protect it
How advertising works
How third parties may process your information
Your rights regarding your data
By using Arthik, you agree to this Privacy Policy.
Data Controller
Email: info@ownleap.com
Website: ownleap.com
This Privacy Policy applies to:
Arthik Android application
Arthik iOS application
Related websites and services
Any future services that reference this Privacy Policy
Depending on how you use Arthik, we may collect the following categories of information.
When you use Arthik, the app may collect and store:
Transaction amounts
Transaction dates
Merchant names
Payment descriptions
Categories
Notes
Account names
Transaction type
Currency
Manual financial records
Display transactions
Generate reports
Budget analysis
Financial insights
Search and filtering
Spending statistics
Important
Your financial records are primarily stored locally on your device unless future cloud synchronization features are enabled.
If you explicitly grant SMS permission, Arthik may read SMS messages related to financial transactions.
Examples include:
Bank alerts
Wallet notifications
UPI notifications
ATM notifications
Credit card alerts
Debit notifications
Salary notifications
The app may process:
SMS content
Sender ID
Timestamp
Transaction amount
Merchant
Bank name
This information is used solely to:
Detect transactions
Import financial records
Categorize expenses
Generate reports
We do not use SMS content for advertising or marketing purposes.
SMS permission is completely optional and can be revoked at any time through your device settings.
We automatically collect certain technical information about your device.
This may include:
Device model
Manufacturer
Operating system
OS version
Screen resolution
Language
Time zone
Country
Device type
App version
Build number
App compatibility
Security
Performance improvements
Bug fixing
Diagnostics
Depending on your device and permissions, we may collect identifiers such as:
Android Advertising ID (GAID)
Apple Identifier for Advertisers (IDFA), where permitted
App Instance ID
Device Token
Installation Identifier
Firebase Installation ID (if Firebase is used)
These identifiers help:
Deliver advertisements
Prevent fraud
Measure advertising performance
Improve app stability
We do not use hardware identifiers such as IMEI or serial numbers.
We automatically collect information about how the application is used.
Examples include:
Screens viewed
Features used
Button clicks
Session duration
App launches
Navigation paths
Error logs
Performance statistics
Crash reports
User interactions
Usage data helps us:
Improve the application
Detect bugs
Optimize performance
Understand feature usage
Improve user experience
Our systems and integrated services may automatically collect:
IP address
Request timestamps
Device events
Network type
Mobile carrier
App crashes
Diagnostic logs
This information helps maintain app reliability and security.
Arthik displays advertisements using third-party advertising providers.
Advertising-related information may include:
Advertising ID
Device identifiers
App interactions
Ad impressions
Ad clicks
Reward completions
Approximate location (derived from IP)
Device language
Device type
This information is processed by advertising partners to:
Display advertisements
Limit repetitive ads
Measure campaign performance
Prevent advertising fraud
Personalize advertisements where permitted
Arthik displays advertisements to support the free version of the application.
Advertisements may include:
Banner ads
Rewarded ads
Interstitial ads
Native ads (if introduced later)
We currently use:
Google AdMob
Google may collect and process information in accordance with its own Privacy Policy.
Depending on your region, advertisements may be:
Personalized
Non-personalized
Contextual
You can control advertising preferences through your device settings.
Our advertising partners may collect information directly from your device.
These partners may collect:
Advertising identifiers
Device information
Usage information
Approximate location
Interaction with advertisements
Performance metrics
Their processing is governed by their own privacy policies.
Current advertising partner:
Google AdMob
Future advertising partners may include similar advertising networks if integrated.
We use collected information to:
Provide core financial features
Import SMS transactions
Categorize expenses
Generate reports
Improve application performance
Maintain security
Detect fraud
Diagnose technical issues
Display advertisements
Measure advertising performance
Comply with legal obligations
We do not sell your personal financial information.
We may share limited information with:
Companies that help operate our services.
Advertising providers such as Google AdMob may receive identifiers and usage information necessary to deliver advertisements.
If required by law or legal process.
If Arthik is acquired or merged with another organization.
Financial records stored locally remain until:
You delete them
You clear application data
You uninstall the application
Advertising and diagnostic information may be retained by third-party providers according to their own retention policies.
We implement reasonable security measures including:
Local database protection
Permission-based access
Device authentication (PIN/Biometrics where available)
Secure APIs
Secure communication channels
However, no method of storage or transmission is completely secure.
You can:
Deny SMS permission
Revoke SMS permission
Disable notifications
Delete your financial records
Clear application data
Uninstall the application
Reset your Advertising ID
Disable personalized advertising through your device settings
Arthik is not intended for children under 13 years of age (or the minimum legal age in your country).
We do not knowingly collect personal information from children.
Arthik may use third-party services including:
Service
Purpose
Google AdMob
Advertising
Google Play Services
App functionality
Apple App Store
Distribution
Google Play Store
Distribution
Firebase (if enabled)
Analytics, Crash Reporting, Notifications
Each third-party provider operates under its own Privacy Policy.
Some third-party providers may process data in countries outside your own.
Where required, appropriate safeguards are applied according to applicable laws.
Depending on your jurisdiction, you may have the right to:
Access your information
Correct information
Delete information
Restrict processing
Object to processing
Withdraw consent
Export your information
Requests can be made by contacting:
Email: info@ownleap.com
Where GDPR applies, we process data based on:
Consent
Contract
Legitimate Interests
Legal obligations
Users may lodge complaints with their local supervisory authority.
California residents may have rights to:
Know collected information
Request deletion
Correct information
Opt out of certain sharing for cross-context behavioral advertising where applicable
If you reside in India, personal data is processed according to applicable provisions of the Digital Personal Data Protection Act and other applicable laws.
We may update this Privacy Policy periodically.
Changes become effective once published within the application or on our website.
The "Last Updated" date will always reflect the latest revision.
If you have questions about this Privacy Policy or your personal information, please contact us:
Email: info@ownleap.com
Website: ownleap.com
This policy is substantially more comprehensive and aligned with Google Play's Data Safety requirements and Apple App Store privacy expectations, covering identifiers, device information, usage data, advertising data, and third-party advertising disclosures.