Privacy Policy

Last updated: (19/02/2026)

Introduction

Your privacy is important to us. This Privacy Policy explains how our all-in-one financial app collects, uses, and protects your information.

This app includes features such as Expense Tracker, Money Tracker, EMI Calculator, SIP Calculator, Lumpsum Calculator, and Banking Calculators.
All data is stored locally on your device only using Room Database.

Information We Collect

We do not collect or transmit any data to external servers.

The app may store the following information locally on your device:

• Name and phone number (used only for identifying local records such as money lending or tracking entries)
  
  

• Expense and income records
  
  

• Money tracking details
  
  

• EMI, SIP, Lumpsum, and other banking calculator inputs
  
  

• App preferences and settings
  
  

👉 All information remains on your device and is never shared or uploaded online.

How We Use Your Data

The locally stored data is used only to:

• Identify and organize money tracking or expense records
  
  

• Display expense summaries and financial reports
  
  

• Perform calculations (EMI, SIP, Lumpsum, Banking tools)
  
  

• Improve usability and user experience
  
  

We do not access, read, or transmit your data outside the app.

Data Storage & Security

• All data is stored only on your device
  
  

• We use Room Database, a secure Android local storage solution
  
  

• No cloud storage, backup server, or external database is used
  
  

• We do not sell, rent, or share any user data
  
  

Your financial data, including name and phone number, remains private and under your full control.

Financial Disclaimer

All calculators provided in the app are for informational and educational purposes only.

Actual results may vary depending on bank policies, interest rates, and financial institutions.
The app does not provide professional financial or investment advice.

Third-Party Services

This app does not share any user data with third parties.

If advertisements are displayed:

• Ads are served by third-party ad networks
  
  

• These services may collect non-personal information such as device identifiers
  
  

• Data handling is governed by the ad provider’s own privacy policy
  
  

• We do not control or access advertiser-collected data
  
  

Permissions

The app only requests permissions necessary for core functionality.

We do not access contacts, messages, camera, microphone, or location without user consent.

Children’s Privacy

This app does not knowingly collect personal information from children under the age of 13.

All data is stored locally and not transmitted over the internet.

Data Deletion

You have complete control over your data.

You can delete all stored data by:

• Clearing app data from device settings, or
  
  

• Uninstalling the app
  
  

This permanently removes all locally stored information, including name and phone number.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time.
Any changes will be reflected here with an updated revision date.

Contact Us

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

📧 mainalibijay123@gmail.com