App Name: Money Tracker - Budget Planner
Developer Name: Blackdot Soultion
Contact Email: blackdotsoultion@gmail.com
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1. Introduction
Money Tracker - Budget Planner (“App”, “we”, “our”, or “us”) is a personal finance and budgeting application designed to help users track expenses, manage budgets, record financial transactions, and monitor spending habits.
We are committed to protecting user privacy and complying with:
• Google Play Developer Program Policies
• GDPR (General Data Protection Regulation)
• CCPA (California Consumer Privacy Act)
• India Digital Personal Data Protection Act, 2023
By using this App, you agree to this Privacy Policy.
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2. Permissions We Use
The App requests only the permissions necessary to provide its intended functionality.
📷 Camera Permission
Permission used:
• CAMERA
Purpose:
• Capture receipts, bills, invoices, or financial documents when initiated by the user
• Support expense entry and record management features
📌 The camera is used only when the user chooses to scan or capture documents.
📌 The App does not secretly record photos or videos.
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📂 Storage Permissions
Permissions used:
• READ_EXTERNAL_STORAGE
• WRITE_EXTERNAL_STORAGE
Purpose:
• Access receipts, bills, and images selected by the user
• Save financial records and exported reports
• Support backup and restore features
📌 Files remain stored locally on the user's device unless explicitly shared by the user.
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🔐 Biometric Authentication Permission
Permission used:
• USE_BIOMETRIC
Purpose:
• Secure access to the App using fingerprint or biometric authentication
• Protect user financial information from unauthorized access
📌 Biometric data is processed by the device operating system and is never collected, stored, or transmitted by the App.
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⏰ Alarm & Reminder Permission
Permission used:
• SCHEDULE_EXACT_ALARM
Purpose:
• Schedule bill payment reminders
• Notify users about budget goals, due dates, and financial tasks
📌 Exact alarms are used only for reminder-related functionality.
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🌐 Internet & Network Permissions
Permissions used:
• INTERNET
• ACCESS_NETWORK_STATE
• ACCESS_WIFI_STATE
• CHANGE_WIFI_STATE
Purpose:
• Support optional cloud features, backups, or synchronization
• Improve application performance
• Check network connectivity
📌 No financial information is shared without user action.
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🔔 Notification Permission
Permission used:
• POST_NOTIFICATIONS
Purpose:
• Send reminders, alerts, and budget notifications
• Notify users about scheduled financial events
📌 Users may disable notifications at any time.
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3. Information We Access
The App may access:
• Financial records entered by the user
• Receipt images selected or captured by the user
• Reminder and budgeting information
• Basic network connectivity information
📌 Financial data is used solely to provide budgeting and expense-tracking functionality.
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4. Information We Do NOT Collect
The App does NOT collect or store:
❌ Bank account passwords
❌ Credit card numbers
❌ Internet banking credentials
❌ Government-issued identification details
❌ Personal financial credentials
❌ Biometric information
📌 The App is not a banking application and does not provide financial institution services.
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5. How We Use Information
We use information only to:
• Track expenses and budgets
• Generate reports and summaries
• Manage reminders and financial planning
• Improve application functionality
📌 We do not track or profile users for advertising purposes.
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6. Data Sharing
We do not:
• Sell user data
• Share financial records with third parties
• Disclose personal budgeting information
📌 User data remains under the user's control.
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7. Third-Party Services
The App may use:
• Advertising services (such as AdMob)
• Analytics and crash reporting services
These services may collect limited non-personal technical information according to their own privacy policies.
8. In-App Purchases
The App offers in-app purchases securely processed via the Google Play Store. We do not store or manage any payment information.
For further information, please refer to:
Google Play Privacy Policy
Subscription :Certain premium service is subject to subscriptions fees that automatically renew (“Subscription”). Premium features are available subject to a weekly, monthly or yearly Subscriptions or otherwise a onetime payment. Subscription is automatically renewed unless you terminate or cancel the Subscription. The Subscription payment is processed through Apple Pay or Google Pay and subject to the applicable terms and conditions: Google Pay’s Terms of Service are available here; Apple Pay’s Terms and Conditions are available here. You may cancel your subscription plan anytime through Apple Pay or Google Pay, as applicable to you. Should you choose to cancel your Subscription, your access to the paid features will continue through the end of your billing period, as applicable, and expire thereafter, and you may be downgraded to the free Services. To the extent permitted by applicable law, any fees paid for your purchase of a subscription plan are non-refundable, and we do not provide refunds for any partial subscriptions. To read more on the cancelation of a subscription: Apple support page and Google support page. We may offer a free trial for premium features (“Free Trial”) as shall be determined by us in our sole discretion. The Free Trial starts when you register to the Free Trial and is for a limited period of time with an auto renew unless you cancel at least 24-hours before the end of the trial period. The terms of the autorenewal and cancellation procedure will be disclosed prior to making the purchase and are subject to Google or Apple terms. When you sign up for a Free Trial, you agree that we may automatically begin charging you for the Services on the first day following the end of the Free Trial on a recurring periodic basis in accordance with the subscription period you have selected when you sign up for a Free Trial. We will notify you via your email address that your Free Trial period is about to expire before the end of the Free Trial. IF YOU DO NOT WANT THIS CHARGE, YOU MUST CANCEL THE SUBSCRIPTION BEFORE THE END OF THE FREE TRIAL. We reserve the right to limit your ability to take advantage of multiple trials. We reserve the right, at our own discretion, to change any features or functionalities of the Subscription. Changes to the Subscription can be based on various factors, e.g., improving, managing the Services, complying with requirements or legal or technical requirements. Where such changes negatively affect an existing Subscription in more than a limited way, you will be informed and may terminate the Subscription. You are solely responsible for obtaining the equipment and telecommunication services necessary to access the Services, and all fees associated therewith (such as computing devices and Internet service provider and airtime charges).
In App Purchase Terms :Through the App you may purchase (“IAP”) certain goods and special features designed to enhance the performance and user experience of the Services (“Goods”). When you purchase Goods, you are doing it through the Apple Store, Google Play, and/or other app store (collectively, “App Stores” and each an “App Store”), and you are agreeing to their respective Terms of Use. PURCHASES ARE SUBJECT TO APP STORE REFUND POLICIES. As hereinafter provided, Goods are provided “as is” without any warranty. Every purchase, sale, and trade of Goods shall be final and non-refundable, unless otherwise determined by us at our sole discretion. You agree that purchased Goods have no monetary value and do not constitute actual currency or property of any type. The Goods may never be sold, transferred, traded or exchanged through any legally acceptable payment method, goods or other items of monetary value from us or anyone else. You only get a limited, revocable, personal, non-transferable, and non-sublicensable license to use Goods. You acknowledge that you do not acquire any ownership rights in or to the Goods. Any balance of Goods does not reflect any stored value. You may not buy or sell any Goods or your account in exchange for legally acceptable money or otherwise exchange items for any other kind of value through any means other than that established to provide the Services. Once you acquire Goods, you may not trade or transfer the Goods or your account to another user, unless such functionality is provided to you by us by way of a feature or service, whether inside the App or through some other method. We may manage, control, regulate, modify or eliminate Goods at any time, with or without notice, in our sole discretion. We shall have no liability to you or any third party in the event that we decide to exercise these rights. All Goods may be forfeited if your account is suspended or terminated for any reason, at our sole discretion. You will not receive money or other compensation for unused Goods when your account is closed whether such closure was voluntary or involuntary. Certain jurisdictions may provide additional statutory rights, including a Cooling-Off Period which allows you to withdraw from a purchase. Nothing herein is meant to limit your return or withdrawal rights for your purchase of Goods under applicable laws.
🔒 Disclaimer:
In-App Purchases
Our app may offer optional in-app purchases to access premium features. Purchases are processed securely through Google Play.
Google Play Billing
We use Google Play Billing for in-app payments. We do not collect or store any full payment card details. All payment information is handled by Google according to its own Privacy Policy.
External Billing / U.S. Users
In accordance with Google Play policies in the United States, we may be allowed to provide alternative billing options or external payment links in the future. If such options are offered, users will be notified within the app before being redirected to an external service.
Payment Information
We do not directly collect, store, or access any sensitive payment information.
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9. Important Compliance Notice ⚠️
📌 This App is intended for personal budgeting and expense tracking purposes only.
📌 The App does not provide banking, lending, investment, insurance, or financial advisory services.
📌 Biometric authentication is handled entirely by the Android operating system.
📌 Financial records entered into the App remain under the user's control.
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10. Children's Privacy
This App is not intended for children under 13 years of age.
We do not knowingly collect personal information from children.
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11. Data Security
We implement reasonable security measures to protect user information.
📌 Biometric security, device security features, and local storage protections help safeguard user data.
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12.Detailed Information on the Processing of Your Personal Data
Service Providers have access to Your Personal Data only to perform their tasks on Our behalf and are obligated not to disclose or use it for any other purpose.
Analytics
We may use third-party Service providers to monitor and analyze the use of our Service.
• Google Analytics
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its own advertising network.
You may opt-out of certain Google Analytics features through your mobile device settings, such as your device advertising settings or by following the instructions provided by Google in their Privacy Policy: https://policies.google.com/privacy?hl=en
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en
Advertising
We may use Service providers to show advertisements to You to help support and maintain Our Service.
• Google AdSense & DoubleClick Cookie
Google, as a third party vendor, uses cookies to serve ads on our Service. Google's use of the DoubleClick cookie enables it and its partners to serve ads to our users based on their visit to our Service or other websites on the Internet.
You may opt out of the use of the DoubleClick Cookie for interest-based advertising by visiting the Google Ads Settings web page: http://www.google.com/ads/preferences/
• AdMob by Google
AdMob by Google is provided by Google Inc.
You can opt-out from the AdMob by Google service by following the instructions described by Google: https://support.google.com/ads/answer/2662922?hl=en
For more information on how Google uses the collected information, please visit the "How Google uses data when you use our partners' sites or app" page: https://policies.google.com/technologies/partner-sites or visit the Privacy Policy of Google: https://policies.google.com/privacy
Behavioral Remarketing
The Company uses remarketing services to advertise on third party websites to You after You visited our Service. We and Our third-party vendors use cookies to inform, optimize and serve ads based on Your past visits to our Service.
• Google Ads (AdWords)
Google Ads (AdWords) remarketing service is provided by Google Inc.
You can opt-out of Google Analytics for Display Advertising and customise the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads
Google also recommends installing the Google Analytics Opt-out Browser Add-on - https://tools.google.com/dlpage/gaoptout - for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en
Facebook remarketing service is provided by Facebook Inc.
You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/164968693837950
To opt-out from Facebook's interest-based ads, follow these instructions from Facebook: https://www.facebook.com/help/568137493302217
Facebook adheres to the Self-Regulatory Principles for Online Behavioural Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/, the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/ or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/, or opt-out using your mobile device settings.
For more information on the privacy practices of Facebook, please visit Facebook's Data Policy: https://www.facebook.com/privacy/explanation
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time.
Any changes will be reflected by updating the "Last Updated" date at the top of this Privacy Policy.
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14. Contact Us
📧 blackdotsoultion@gmail.com
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Declaration
We declare that:
• Money Tracker - Budget Planner does not collect, store, or sell personal user data without user consent.
• Biometric authentication is used only for device-level security.
• Financial records are used solely to provide budgeting and expense-tracking functionality.
• No hidden tracking, surveillance, or unauthorized data sharing is performed.
• The App complies with Google Play Developer Program Policies.