Privacy Policy & End User License Agreement (EULA)
Application Name: Cash Book: Expense Tracker
Developer: Blackdot Soultion
Contact Email: blackdotsoultion@gmail.com
________________________________________
1. Introduction
Welcome to Cash Book: Expense Tracker (“Application,” “App,” “we,” “our,” “us”).
This Privacy Policy and End User License Agreement (EULA) explains how we collect, use, disclose, and protect your information when you use our mobile application.
By using the app, you consent to the practices described herein and agree to be bound by this Policy & EULA.
________________________________________
2. Permissions and Data Access
To provide full functionality, the app may request the following permissions:
• INTERNET & ACCESS_NETWORK_STATE: To connect with servers, display ads, provide updates, and enable online features.
• ACCESS_WIFI_STATE & CHANGE_WIFI_STATE: To check Wi-Fi status and optimize connectivity.
• POST_NOTIFICATIONS & VIBRATE: To send reminders, alerts, and expense-related notifications.
• READ/WRITE_EXTERNAL_STORAGE: To save, export, and import reports securely.
• READ_CONTACTS: Optional, used only when tagging expenses with specific contacts.
We do not use permissions beyond the intended purpose.
________________________________________
3. Types of Data Collected
We may collect the following categories of information:
• Personal Data: Name, email (if provided for backup/support).
• Device Data: Device model, OS version, IP address, unique advertising identifiers.
• Usage Data: Screens accessed, features used, crash reports, log files.
• Optional Contact Data: Only if you choose to integrate contacts for expense tagging.
We do not collect Aadhaar, PAN, bank details, or passwords.
________________________________________
4. Purpose of Data Processing
Your data may be used for:
1. Enabling expense tracking, summaries, and reports.
2. Providing personalized ads and relevant recommendations.
3. Sending notifications and reminders.
4. Improving performance, security, and reliability.
5. Complying with laws (GDPR, CCPA, India’s DPA).
________________________________________
5. Sharing of Data
We never sell personal data. Data may be shared with:
• Analytics Providers (e.g., Google Analytics).
• Advertising & Mediation Partners (AdMob, Meta Audience Network).
• Cloud/Backup Services for storing user data.
• Legal Authorities if required by applicable law.
________________________________________
6. Detailed Processing Information
Analytics
We use analytics services to track app performance and usage.
• Google Analytics: Tracks usage data, may use info for ad personalization.
🔗 Google Privacy Policy
• Firebase Analytics
• We use Firebase Analytics to monitor app usage, track user interactions, and improve user experience. Firebase may collect information such as device identifiers, IP address, app usage patterns, and crash reports.
• Data is used for performance insights and feature improvement.
• Data is anonymized and aggregated whenever possible.
• 🔗 Firebase Privacy & Security
• Firebase Cloud Messaging (FCM)
• We use Firebase Cloud Messaging to send push notifications about app updates, reminders, or promotional messages.
• Notifications are optional and can be disabled in device settings.
• Firebase Crashlytics
• We use Firebase Crashlytics to detect app errors and crashes. This helps us quickly fix bugs and provide a stable app experience.
• ________________________________________
• 🔒 Firebase Data Handling
• Firebase does not share your data with unaffiliated third parties.
• All Firebase data processing complies with GDPR, CCPA, and India’s DPA.
• Users can request data deletion by contacting us.
•
Advertising
Our app is free and supported by advertising.
• Google AdSense & DoubleClick Cookie: Uses cookies to serve ads based on past visits.
🔗 Google Ads Settings
• AdMob by Google: Provides in-app ads.
🔗 AdMob Opt-Out
• Meta Audience Network: Delivers targeted ads and prevents fraud.
🔗 Meta Privacy Policy
Behavioral Remarketing
We use remarketing services:
• Google Ads (AdWords): Displays ads after you visit our app.
🔗 Google Ads Settings
• Facebook Remarketing: Displays relevant ads across Facebook services.
🔗 Facebook Ad Preferences
________________________________________
7. Malware & Network Abuse Protection
We implement strict anti-abuse measures:
• ✅ The app is regularly scanned for malware and vulnerabilities.
• ✅ We strongly recommend downloading only from Google Play Store.
• 🚫 The app does not transmit unauthorized data.
• 🚫 No hidden background activities are performed.
________________________________________
8. Security Measures
We protect user data with:
• 🔐 Encryption of expense and backup data.
• 🔐 Secure Authentication with biometric login support.
• 🔐 Regular vulnerability assessments to prevent misuse.
________________________________________
9. Data Retention
• Data is stored only as long as necessary.
• Users may delete all local data anytime from device storage.
• Cloud backups (if enabled) can be permanently deleted on request.
________________________________________
10. Children’s Privacy
• The app is not directed at children under 18.
• If such data is discovered, it will be deleted immediately.
________________________________________
11. User Rights
Depending on your jurisdiction, you may have rights to:
• Access the data we hold.
• Correct or update your personal information.
• Request deletion of your data.
• Withdraw consent for advertising or analytics.
• File complaints with local Data Protection Authorities.
________________________________________
12. GDPR Compliance (EU)
• Right to data portability, correction, restriction, deletion.
• Right to object to processing for direct marketing.
• Right to withdraw consent anytime.
________________________________________
13. CCPA Compliance (California, USA)
• Right to know what personal data is collected.
• Right to request deletion of collected data.
• Right to opt-out of sale or sharing of data.
________________________________________
14. Indian Data Protection Act (DPA 2023)
• Users may access, correct, and delete personal data.
• Users may file a complaint with the Data Protection Board of India if rights are violated.
________________________________________
15. End User License Agreement (EULA)
By installing and using the app, you agree:
1. Lawful Use: You will not use the app for illegal or fraudulent purposes.
2. No Reverse Engineering: You will not attempt to hack, modify, or misuse the app.
3. Ownership: All rights belong to Blackdot Soultion.
4. Limited Liability: We are not liable for financial losses arising from estimates generated.
5. Termination: Accounts may be terminated for violation of these terms.
________________________________________
16. Financial Disclaimer
• The app is a personal finance management tool only.
• We do not provide loans, banking, credit, or investment advice.
• All calculations are estimates and should not replace professional financial consultation.
________________________________________
17. Updates to Policy & EULA
We may update this Privacy Policy & EULA from time to time. Changes will be posted within the app and/or notified via email (if available).
________________________________________
18. After Call Popup Feature (Common for All Our Apps)
Some of our apps may include an After Call Popup feature. This feature activates after phone calls to provide quick options such as Add Income, Expense, or other in-app actions.
• Data Collection & Usage:
1 The feature temporarily accesses call status and duration only to trigger the popup.
2 It does not access, collect, or store call logs, phone numbers, or contacts.
3 All data is processed locally on the device and is used only for enabling the feature.
• Permissions Required:
1 The feature requires the "Read Phone State" permission.
2 Users can manage or revoke this permission anytime from device settings, which will disable the popup.
• Data Retention:
1 All temporary call status data is deleted immediately after use.
2 No call-related data is stored or sent to our servers.
• Third-Party Sharing:
1 We do not share any personal call data with third parties.
2 If analytics or ads are integrated, they only process anonymized and non-personal data.
• User Control:
1 Users can stop this feature anytime by revoking the permission or uninstalling the app.
• Security & Updates:
1 We handle all temporary data securely.
2 Any significant changes to this policy will be communicated.
3 Continued use of our apps implies acceptance of the updated terms.
________________________________________
19. In-App Purchases & Billing
Our app may offer optional In-App Purchases (“IAP”) to unlock premium features, tools, or services. All purchases are processed securely through the Google Play Store.
Availability:
Currently, In-App Purchases are available only for users in India. Availability may change in the future depending on business, legal, or platform requirements.
Payment Processing:
We use Google Play Billing for all in-app payments. We do not collect, store, or process any sensitive payment information such as credit/debit card numbers or banking details. Payment information is handled directly by Google according to the Google Privacy Policy.
Subscription Terms:
Some premium features may be available through weekly, monthly, yearly, or one-time purchase plans. Subscriptions automatically renew unless canceled before the renewal date through your Google Play account settings.
You can manage or cancel your subscription anytime through the Google Play Store.
Refunds:
All purchases are subject to Google Play refund policies. We do not directly issue refunds unless required by applicable law or determined at our discretion.
Future Billing Options:
In compliance with Google Play policies, we may introduce additional billing options or external payment methods in supported regions in the future. Users will be informed inside the app before using any such service.
________________________________________
20. Contact Information
👨💻 Developer: Blackdot Soultion
📧 Email: blackdotsoultion@gmail.com