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Effective Date: August 2026

1. Overview

Welcome to the Simple Checkbook Ledger. We value your trust and are dedicated to

safeguarding your personal and financial information. This Privacy Policy

outlines how our mobile application handles your data when you use our services.

2. Local Storage & Financial Confidentiality

We prioritize your financial privacy above all else:

- On-Device Storage Only: Every entry, income detail, expense record, and

ledger note you create is stored exclusively on your physical device.

- Zero Remote Data Collection: We do not collect, capture, upload, or process

any of your financial records or business logs on external servers.

- No Payment Handling: This app functions strictly as a record-keeping tool.

We do not process banking transactions, wire transfers, or direct electronic

payments.

3. Google Drive Integration (Optional Backup & Restore)

For your convenience, the app includes an optional backup feature using your

personal Google Drive account.

- API Access & Scope: The app utilizes Google Drive APIs

(https://www.googleapis.com/auth/drive.file or

https://www.googleapis.com/auth/drive.appdata) solely to read, write, and

manage backup files created directly by this app within your Google account.

- Account Privacy: Your backup files remain isolated within your personal

Google Drive. We never have access to your Google password, account

credentials, or any unrelated files stored in your Drive.

- Google Policy Compliance: Our use and transfer of information received from

Google APIs to any other app will adhere strictly to the Google API Services

User Data Policy, including the Limited Use requirements.

4. Third-Party Services & App Monetization

We support our application through in-app advertisements and optional paid

license upgrades:

- Google AdMob: The free version displays advertisements delivered via Google

AdMob. To serve relevant or non-personalized ads according to Google's

Advertising Policies, AdMob may collect device-specific information (such as

your Android Advertising ID).

- Google Play Billing: You may purchase a digital activation key to remove

advertisements. All financial transactions are processed securely through

Google Play Billing. We never receive, process, or store your credit card

information or payment credentials.

5. Security of Your Information

Because your financial records reside strictly on your mobile device and inside

your private Google Drive account, your overall data security relies on the

security settings of your local device (passwords, screen locks) and your Google

Account safeguards (such as Two-Factor Authentication).

6. Modifications to This Policy

We may periodically update this Privacy Policy to reflect app updates or

regulatory changes. You are encouraged to review this policy from time to time

to stay informed about how your data is protected.

7. Contact Information

If you have any questions, feedback, or concerns regarding this Privacy Policy,

feel free to contact us:

- Email: apps.teelu@gmail.com