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Developer: Amader Apps

Email: developermdabdurrahmanonik@gmail.com

OVERVIEW

Daily Money Manager is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.

The App is designed with privacy as a core principle. Most of your data is stored locally on your device and is never transmitted to our servers. We only use external services for specific features you explicitly enable, such as advertisements and real-time currency conversion.

1. INFORMATION WE COLLECT

1.1 Locally Stored Data

The following information is stored exclusively on your device and never transmitted to external servers:

* Financial Records: Income, expenses, budgets, recurring transactions, bill reminders, investments, and transaction history.

* Products & Inventory: Product names, SKUs, purchase and selling prices, units, and stock levels.

* Shopping Lists: Lists of items for purchase, quantities, and completion status.

* Budget Plans: Monthly budget limits set per category and spending progress.

* Savings Goals: Savings targets, progress tracking, and associated saving transactions.

* Tasks: To-do items, descriptions, priority status, and scheduled reminders.

* Notes: Text content, checklists, and optional note locks created within the app.

* Contacts: Names, phone numbers, emails, and addresses (optional, imported from your device contacts for transaction and party management).

* Recycle Bin Data: Recently deleted items including products, notes, tasks, transactions, and contacts (stored temporarily until you permanently delete them or reset the cache).

* App Settings: Your preferences including language, default currency, theme mode, accent color, and notification timings.

* App Lock Credentials: PIN codes and biometric data (stored securely on your device only for authentication).

1.2 Device Identifiers & Permissions

To provide full functionality, the App requests and uses the following:

* Advertising ID (AD_ID): Used by Google AdMob for serving relevant advertisements.

* Biometric Data: Used locally on your device for app lock authentication (Face ID/Fingerprint).

* Network State: Used to detect internet connectivity for features like ads and currency updates.

* Notification Permission: Required to send local reminders for tasks, bills, and daily summaries.

1.3 Data Automatically Collected

We collect minimal technical information:

* App Usage Data: Anonymous interactions to improve app functionality and user experience.

* Visual Analytics: The app processes your local transaction data to generate charts and graphs for your personal use only.

* Crash Reports: Error logs to help fix technical issues (local and third-party via Google Play).

* Device Information: Device model, OS version, and app version for compatibility.

Note: We do NOT collect your phone call records. When you use the contact import feature, the selected contact information is accessed only to fill in your transaction details and remains stored locally on your device. We never transmit your contact list to our servers.

2. DEVICE PERMISSIONS & THEIR USAGE

Required Permissions:

* READ_CONTACTS: Used exclusively to allow you to import contact details (name, phone, email, address) into your transactions and savings goals. This is entirely optional.

* POST_NOTIFICATIONS: Required to send you local alerts for task reminders, bill due dates, and daily financial summaries.

* INTERNET: Required to display advertisements and fetch real-time currency exchange rates.

* ACCESS_NETWORK_STATE: Used to detect online/offline status for network-dependent features.

* USE_BIOMETRIC: Provides secure app lock authentication via fingerprint or face recognition.

* SCHEDULE_EXACT_ALARM & USE_EXACT_ALARM: Enables precise scheduling for your task and bill reminders.

* VIBRATE: Provides haptic feedback for notifications and app interactions.

* AD_ID: Allows Google AdMob to serve advertisements.

3. THIRD-PARTY SERVICES & DATA SHARING

3.1 Google AdMob

* Purpose: Display advertisements within the App.

* Data Shared: Advertising ID and device information.

* Privacy: See Google's Privacy Policy at https://policies.google.com/privacy

3.2 Google Play Services

* Purpose: Core Android functionality and crash reporting.

* Data Shared: Minimal technical data for app stability.

* Privacy: See Google's Privacy Policy at https://policies.google.com/privacy

3.3 ExchangeRate-API

* Purpose: Provide real-time currency conversion rates.

* Data Processed: Your requested base currency (e.g., USD, BDT). No personal financial data is shared.

* Privacy: See ExchangeRate-API's terms for details.

3.4 Google Play Store (In-App Update)

* Purpose: To provide automatic and manual app updates within the app.

* Data Shared: Device information and current app version.

No other third parties have access to your personal financial data.

4. DATA SECURITY & PROTECTION

4.1 Local Data Security

* Encrypted Storage: SQLite database stored in the App's private storage directory.

* File-Level Security: Protected by Android/iOS OS-level encryption.

* App Lock Protection: Optional PIN and biometric authentication prevent unauthorized access to the app.

* No Cloud Sync: Financial data never leaves your device unless you manually export it.

4.2 Recycle Bin Feature

* The app includes a Recycle Bin where deleted items (Products, Notes, Tasks, Transactions, etc.) are kept temporarily.

* This allows you to restore accidentally deleted data.

* You can permanently delete these items at any time through the Recycle Bin settings.

4.3 PDF Document Generation (Invoices & Reports)

* The App allows you to generate PDF reports of your transactions and PDF invoices for your customers.

* All PDF generation is performed locally on your device.

* Your data is NEVER transmitted to external servers for the purpose of creating these documents.

* Once generated, you have full control over sharing these files (e.g., via WhatsApp or Email).

4.4 Offline Data Backup & Restore

* The App provides an optional feature to export your local database for backup purposes.

* When you use "Export Backup," a copy of your encrypted database is created and you choose where to save or send it.

* When you use "Import Backup," you manually select a previously saved backup file to restore your data.

* IMPORTANT: Once you export a backup file, it is stored outside the App's protected environment. You are responsible for the security and privacy of your exported backup files.

4.5 What We DO NOT Do

✓ We do NOT sell or trade your data.

✓ We do NOT share personal financial information with third parties.

✓ We do NOT build user profiles for external use.

✓ We do NOT track your activities outside the App.

5. DATA DELETION & USER CONTROL

5.1 Permanent Data Deletion

* Reset Cache: Use Settings → "Reset Cache" to permanently delete all local preferences.

* Recycle Bin: Manually empty the Recycle Bin to permanently remove deleted records.

* Uninstall: Removing the App from your device automatically deletes all locally stored data (excluding any backup files you manually saved to your device or cloud storage).

* Permissions: You can revoke contact or notification access at any time in device settings.

6. CHILDREN'S PRIVACY (COPPA COMPLIANCE)

Daily Money Manager does not knowingly collect any personally identifiable information from children under 13 years of age. All data is stored locally. If you have concerns, contact us at developermdabdurrahmanonik@gmail.com.

7. OFFLINE-FIRST ARCHITECTURE

Daily Money Manager is designed to work entirely offline. Internet is only required for optional features like advertisements and fetching real-time currency rates. Your financial management is fully functional without an internet connection.

8. CHANGES TO PRIVACY POLICY

We may update this Privacy Policy from time to time. Updates will be posted within the App, and the "Last Updated" date will be changed accordingly.

9. INTERNATIONAL PRIVACY LAWS COMPLIANCE

We respect global privacy standards including GDPR (European Union) and CCPA (California). Since we do not collect or store your data on our servers, you have full control over your "Right to be Forgotten" by simply deleting the app or using the Reset Cache feature.

10. CONTACT & SUPPORT

Email: developermdabdurrahmanonik@gmail.com

Developer: Amader Apps

11. ACKNOWLEDGMENT & CONSENT

By using Daily Money Manager, you acknowledge that you have read this policy and consent to the local storage of your data and the use of third-party services as described above.

12. SUMMARY OF KEY POINTS

✓ Offline-First: All financial data stays on your device.

✓ Secure: Optional PIN/Biometric protection.

✓ Transparent: Clearly disclosed third-party service usage.

✓ Controllable: Full power to restore or permanently delete data via Recycle Bin.

✓ Backup Options: User-controlled offline backup and restore.

✓ Private: No selling or sharing of personal records.

Thank you for choosing Daily Money Manager. Your privacy is our priority.

This Privacy Policy is effective as of June 27, 2026.