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PRIVACY POLICY
Effective Date: April 22, 2026
Last Updated: April 22, 2026
Developer: Arindam Banerjee (doing business as Finledge)
Application: Finledge – Income & Expense Tracker
Package Name: com.arindam.finledge_incomeandexpensetracker
Contact: arindamai007@gmail.com
Country: India
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1. INTRODUCTION
This Privacy Policy explains how Finledge ("we," "our," or "the app") collects, uses, stores, and protects your personal information when you use
the Finledge – Income & Expense Tracker application ("the Service"). By using the Service, you agree to the terms of this Privacy Policy.
We are committed to protecting your privacy. Finledge is designed as a fully local, on-device application. Your financial data never leaves your
device unless you explicitly choose to export it.
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2. INFORMATION WE COLLECT
2.1 Financial Transaction Data
You manually enter income, expense, and transfer records including amounts, dates, categories, accounts, notes, and descriptions. This data is
stored exclusively on your device in a local encrypted database and is never transmitted to any server or third party.
2.2 SMS Messages
Finledge requests the RECEIVE_SMS and READ_SMS permissions solely to detect bank and financial institution transaction alerts and automatically
pre-fill transaction entries for your convenience.
- What we read: Only SMS messages sent by recognised financial institution sender IDs (e.g. banks and payment services). We parse these messages
to extract transaction amount, type (debit/credit), and merchant name where available.
- What we do not read: Personal conversations, OTPs after parsing, messages from non-financial senders, or any other SMS content.
- On-device only: All SMS parsing is performed entirely on your device. No SMS content — raw or parsed — is ever transmitted off your device,
stored in any cloud service, shared with any third party, sold, or used for advertising purposes.
- You are in control: SMS detection is opt-in and can be disabled at any time from Settings → Smart Features. Revoking the SMS permission from
your Android device settings immediately stops all SMS access.
2.3 Profile and Preference Data
The app stores your configured preferences including theme selection, currency, reminder time, PIN settings, and active profile. This data is
stored locally on your device using Android DataStore and is never transmitted externally.
2.4 Biometric Data
If you enable biometric unlock (fingerprint or face recognition), authentication is handled entirely by Android's BiometricPrompt API at the
operating system level. Finledge never accesses, reads, stores, or processes your raw biometric data. The app only receives a pass or fail result
from the Android OS.
2.5 Notification Data
The POST_NOTIFICATIONS permission is used solely to deliver daily reminders you configure in Settings → Reminders. No notification content is
shared with any external service.
2.6 Device Information
Basic device information such as Android OS version is used passively to ensure compatibility and enable appropriate features (e.g. exact alarm
scheduling, biometric unlock, notification permissions on Android 13 and above). This information is not collected, stored, or transmitted by
Finledge.
2.7 Backup Data
When you use the Backup feature, a JSON file is exported to a storage location you choose on your device via Android's Storage Access Framework.
Finledge does not upload backup files to any server or cloud service. You are solely responsible for the security of exported backup files.
2.8 Subscription and Billing Information
Finledge offers optional Premium subscriptions processed entirely through Google Play Billing. Finledge does not collect, access, or store any
payment card information or billing details. All payment processing is governed by Google's Privacy Policy (https://policies.google.com/privacy).
2.9 In-App Review
Finledge may prompt you to rate the app using the Google Play In-App Review API. No personally identifiable information is collected or
transmitted by Finledge during this process.
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3. HOW WE USE YOUR INFORMATION
We use the information described above for the following purposes:
- To provide and operate the core features of the Service (transaction tracking, budgeting, savings goals, loan management, recurring
transactions)
- To enable SMS-based automatic transaction detection on your device
- To deliver daily reminders you have configured
- To process and manage your Premium subscription through Google Play
- To allow you to back up and restore your financial data on your device
- To maintain app security through PIN and biometric authentication
- To ensure compatibility with your device's Android version
We do not use your information for advertising, marketing, profiling, automated decision-making, or any purpose beyond what is described above.
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4. LEGAL BASES FOR PROCESSING (GDPR — EU & UK USERS)
If you are located in the European Economic Area (EEA) or the United Kingdom, we process your personal information under the following lawful
bases:
- Performance of a Contract: Processing your financial transaction data, account data, and subscription status is necessary to deliver the Service
you have requested.
- Consent: SMS access, notifications, and biometric unlock are all opt-in features. You provide explicit consent when enabling each feature, and
you may withdraw consent at any time.
- Legitimate Interests: We process minimal device information to ensure the app functions correctly and securely on your device. This processing
is necessary and proportionate.
- Legal Obligation: We will comply with applicable data protection laws and respond to lawful requests from data protection authorities.
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5. DATA STORAGE AND RETENTION
┌────────────────────────────────────┬─────────────────────────────────┬───────────────────────────────────────────────────────┐
│ Data Type │ Where Stored │ Retention Period │
├────────────────────────────────────┼─────────────────────────────────┼───────────────────────────────────────────────────────┤
│ Transactions, categories, accounts │ Local device database │ Until app is uninstalled or user resets data │
├────────────────────────────────────┼─────────────────────────────────┼───────────────────────────────────────────────────────┤
│ Preferences and settings │ Local device DataStore │ Until app is uninstalled │
├────────────────────────────────────┼─────────────────────────────────┼───────────────────────────────────────────────────────┤
│ SMS content during parsing │ Device memory only │ Never persisted — discarded immediately after parsing │
├────────────────────────────────────┼─────────────────────────────────┼───────────────────────────────────────────────────────┤
│ Parsed SMS transactions │ Local device database │ Until app is uninstalled or user resets data │
├────────────────────────────────────┼─────────────────────────────────┼───────────────────────────────────────────────────────┤
│ Backup files │ Device storage chosen by user │ Controlled entirely by the user │
├────────────────────────────────────┼─────────────────────────────────┼───────────────────────────────────────────────────────┤
│ Subscription status │ Google Play (managed by Google) │ Per Google's retention policy │
└────────────────────────────────────┴─────────────────────────────────┴───────────────────────────────────────────────────────┘
All locally stored data is permanently deleted when you uninstall the app or use Settings → Data → Reset Data.
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6. DATA SHARING AND DISCLOSURE
We do not sell, trade, rent, share, or disclose your personal information to any third party for any purpose including advertising, analytics, or
data brokerage.
The only third-party service involved in the operation of Finledge is Google Play Billing, which operates under Google's own Privacy Policy.
Finledge does not pass user data to Google Play Billing — the service operates independently.
We do not disclose personal information to:
- Business affiliates or partners
- Advertising networks
- Analytics providers
- Data brokers
- Any government entity except where required by applicable law
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7. SECURITY
Finledge implements the following security measures to protect your information:
- All data is stored within Android's application sandbox, inaccessible to other applications
- Optional PIN lock (4-digit) to prevent unauthorised access to the app
- Optional biometric authentication (fingerprint/face) via Android BiometricPrompt
- No data is transmitted over any network, eliminating network-level security risks entirely
While we implement appropriate technical safeguards, no method of electronic storage is 100% secure. In the unlikely event of a security incident
affecting your personal data, we will notify the relevant data protection authorities and affected users as required by applicable law, including
within 72 hours under GDPR where applicable.
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8. YOUR RIGHTS
Depending on your location, you may have the following rights regarding your personal information:
- Right to Access: Request a copy of the personal information we hold about you
- Right to Correction: Request correction of inaccurate data
- Right to Deletion: Request deletion of your personal information
- Right to Restriction: Request that we restrict processing of your information
- Right to Object: Object to our processing of your information
- Right to Data Portability: Request your data in a portable format (use Settings → Data → Export to Excel)
- Right to Appeal: Appeal our decisions regarding your privacy requests
In-app controls available to you:
- Disable SMS access: Settings → Smart Features → toggle off (or via Android Settings → Apps → Finledge → Permissions)
- Disable reminders: Settings → Reminders → toggle off
- Disable PIN or biometric lock: Settings → Security
- Delete transaction data: Settings → Data → Reset Data
- Export your data: Settings → Data → Export to Excel
- Delete all data: Uninstall the application
To exercise any of the above rights, contact us at: arindamai007@gmail.com
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9. CHILDREN'S PRIVACY
Finledge is not directed at children under the age of 13. We do not knowingly collect any personal information from children. If you believe a
child under 13 has provided personal information through the app, please contact us at arindamai007@gmail.com and we will take immediate steps to
delete that information.
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10. CALIFORNIA PRIVACY RIGHTS (CCPA/CPRA)
If you are a California resident, you have the following additional rights under the California Consumer Privacy Act (CCPA) and California Privacy
Rights Act (CPRA):
- The right to know what personal information is collected about you
- The right to know whether your personal information is sold or disclosed and to whom
- The right to opt out of the sale or sharing of your personal information
- The right to access your personal information
- The right to request deletion of your personal information
- The right to non-discrimination for exercising your privacy rights
We do not sell or share your personal information. The personal information Finledge collects that falls under the California Customer Records
statute is limited to financial information (transaction records) which is stored locally on your device and never disclosed to third parties.
To exercise your California privacy rights, contact: arindamai007@gmail.com
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11. INTERNATIONAL USERS
Finledge is operated from India. If you access the Service from the European Economic Area, United Kingdom, or other regions with data protection
laws, please be aware that all data you enter into the app is stored locally on your device in your own country. No data is transferred
internationally by Finledge.
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12. THIRD-PARTY LINKS AND SERVICES
The app may provide links to Google Play Store pages (e.g. to manage your subscription or rate the app). These third-party services have their own
privacy policies. We are not responsible for the privacy practices of third-party services.
Google Play Privacy Policy: https://policies.google.com/privacy
Google Payments Privacy Notice: https://payments.google.com/payments/apis-secure/get_legal_document?ldo=0&ldt=privacynotice&ldl=en
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13. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last Updated" date at the top of this
policy and note the changes in the app's Google Play Store release notes. Your continued use of the app after changes are posted constitutes your
acceptance of the updated policy.
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14. CONTACT US
If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:
Developer: Arindam Banerjee (Finledge)
Email: arindamai007@gmail.com
Country: India
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This privacy policy was last updated on April 22, 2026.