Privacy Policy for Folio Ledger (com.skal.folio)
Developer / Publisher: SKAL Studios
Effective Date: October 20, 2026
1. 100% Offline & Local Data Storage
Folio Ledger (com.skal.folio) is developed and published by SKAL Studios. Folio Ledger is an offline-first personal finance and expense-tracking application. All financial records, accounts, categories, budgets, and settings entered into the app are stored locally on your device inside an on-device SQLite database. We do not operate cloud servers, and we never transmit, collect, sell, or share your personal or financial data.
2. Permissions & Device Security
• Biometric Authentication: If enabled by the user in Settings, Folio uses the native Android BiometricPrompt API strictly on-device to lock and unlock the application. Biometric data is handled entirely by the Android operating system and is never accessed or stored by Folio.
• Local Backups & CSV Exports: When you initiate a backup or CSV export, files are saved locally to your device storage (Downloads/Folio) at your explicit action.
• Zero Financial/SMS Scraping: Folio does not request SMS, Call Log, Contacts, or Location permissions, and does not connect to bank accounts.
3. Contact Us
If you have any questions about this Privacy Policy, you may contact the developer at: support.folioledger@gmail.com