Privacy Policy
for
Expense Tracker: Money Planner
for
Expense Tracker: Money Planner
Privacy Policy
Effective date: July 11, 2026
Last updated: September 28, 2026
Multi_Software ("we", "us", or "our") operates the mobile application Expense Tracker: Money Planner (also shown as "Expense Tracker") (the "App"). This Privacy Policy explains how we handle information when you use the App.
We built this App to help you track income, expenses, budgets, and savings goals. Core money-tracking features work on your device without creating an account. Optionally, you may sign in with Google, subscribe to Premium, and sync your data across your devices using our cloud sync service.
If you have questions about this Privacy Policy, contact us at multisoftwareltd@gmail.com.
1. Summary
• By default, your financial records are stored locally on your device. You do not need an account to use the App’s core features.
• If you subscribe to Premium and sign in, your financial records may also be synced to our cloud sync service so you can use them across devices.
• We do not sell your personal financial data.
• We do not connect to your bank, credit card, or payment accounts.
• Sign-in is optional and uses Google Sign-In through Firebase Authentication.
• Premium subscriptions are processed through Google Play Billing and managed with RevenueCat.
• The App may use internet access for ads (for non-Premium users), analytics, crash reporting, authentication, subscription status, and cloud sync.
• We use Google Mobile Ads (AdMob), Google User Messaging Platform (UMP) for consent where required, Firebase Authentication, Firebase Analytics, Firebase Crashlytics, RevenueCat, and our cloud sync backend hosted on Cloudflare.
• Analytics and crash events are designed not to include your transaction amounts, notes, or category names.
• You can manage ad privacy options in the App settings where available for your region.
• You can request deletion of your cloud account and synced data from the App (see Section 11).
2. Information Stored on Your Device
The App stores the following information locally on your phone or tablet to provide its features:
Financial information you enter
• Income and expense transactions (amount, type, category, date, optional notes, and pin status)
• Custom categories (name, emoji, and color)
• Savings goals (name, target amount, saved amount, progress, and deadlines)
• Budgets (category limits and weekly or monthly spending periods)
• Your opening or current balance as set in the App
App settings and preferences
• Selected currency
• Theme mode (light, dark, or system) and accent color
• Daily reminder settings (enabled or disabled, and reminder time)
• Onboarding and in-app guide completion status
• Recent goal contribution amounts (used as quick-entry shortcuts)
• In-app alerts related to budgets and goals
• Local Premium status cache and sync-related preferences (for example, last sync time)
This data is stored using on-device storage (a local database and app preferences). It is used to operate App features such as balance tracking, transaction history, reports, charts, reminders, plan alerts, backup/export, and optional cloud sync.
3. Account and Sign-In Information (Optional)
Creating an account is optional. Sign-in is required only if you want Premium cloud sync or account management features that depend on authentication.
When you choose Sign in with Google, we use Firebase Authentication. Depending on your Google account and the permissions you grant, we may receive:
• A unique user ID (Firebase UID)
• Your Google account email address
• Your display name
• Your profile photo URL (if available)
We use this information to:
• Authenticate you securely
• Link your Premium subscription and cloud sync data to your account
• Show your profile information in the App
• Help you manage or delete your cloud account
We do not require a separate username/password account created only for Multi_Software. Sign-out is available in the App at any time. Signing out stops cloud sync for that session; it does not automatically delete your local device data or your previously synced cloud data.
4. Cloud Sync (Premium Feature)
Cloud sync is available to Premium subscribers who are signed in.
When cloud sync is enabled and used, the App may upload and download the following to our sync servers so your data can be restored or used on another device signed into the same account:
• Transactions (including amounts, type, category references, dates, notes, and pin status)
• Categories (name, emoji, color, and related metadata)
• Savings goals
• Budgets
• In-app alerts related to budgets and goals
• Selected settings such as currency, theme mode, opening balance, and reminder preferences
• Account metadata such as email and display name associated with your signed-in account
Our cloud sync service is operated by Multi_Software and hosted using Cloudflare infrastructure (including Cloudflare Workers and Cloudflare D1 storage). Synced data is associated with your authenticated user ID.
Important:
• Without Premium and sign-in, your finance records remain on your device and are not uploaded to our sync servers.
• Cloud sync requires an active Premium entitlement and a valid signed-in session.
• Local data remains on your device even when sync is used.
• We do not use your synced finance records to sell advertising based on the content of those records.
5. Premium Subscriptions and Payments (RevenueCat / Google Play)
The App offers an optional Premium subscription. Premium is designed to remove ads and unlock cloud sync across devices.
Purchases are processed by Google Play Billing. We use RevenueCat to manage subscription status, entitlements, restore purchases, and related purchase events.
Depending on the purchase and restore flow, RevenueCat and/or Google Play may process information such as:
• Purchase and subscription status
• Product identifiers and entitlement status (for example, whether Premium is active)
• App user identifiers used to associate a purchase with your account (including your Firebase user ID when you are signed in)
• Device and app information needed to validate purchases and restore entitlements
• Receipt/transaction metadata provided by the app store
We do not receive or store your full payment card number. Payment method details are handled by Google Play according to Google’s policies.
RevenueCat’s handling of information is also governed by RevenueCat’s privacy policy:
https://www.revenuecat.com/privacy
Google Play’s terms and privacy practices also apply to purchases made through the Play Store.
6. Information We Do Not Collect as a Bank or Payment Login Service
We do not collect or receive:
• Bank account, credit card, or payment login credentials for your financial institutions
• Precise location (GPS) data for money tracking
• Your contacts, photos, or media library (except a file you explicitly choose to import)
• Access to your email inbox contents (we only receive profile information provided through Google Sign-In if you choose to sign in)
We do not connect the App directly to your bank or payment accounts.
7. Information Processed Through Third-Party Services
To operate ads, measure App usage, improve stability, authenticate users, manage subscriptions, and provide cloud sync, the App may process limited technical, account, usage, and (for Premium sync users) finance-sync information through the services below.
Advertising (Google Mobile Ads / AdMob) — generally for non-Premium users
• Device and advertising identifiers (such as the Android Advertising ID, where available)
• Approximate location or IP-derived information used by the ad network
• Device and app information needed to request and display ads
• Ad interaction data (for example, that an ad was shown or clicked)
• Premium subscribers are intended not to see ads while Premium is active
Consent (Google User Messaging Platform)
• In regions where required (such as the EEA, UK, and Switzerland), the App may show a consent form before personalized ads are requested.
• Your consent choices affect whether ads can be personalized.
Authentication (Firebase Authentication / Google Sign-In)
• Sign-in credentials/tokens and account identifiers needed to authenticate your session
• Profile information described in Section 3
Analytics (Firebase Analytics)
• App events such as screen views, onboarding completion, in-app guide actions, that a transaction was saved (income or expense type only), that a budget or goal was saved, and notification taps
• Limited user properties such as whether onboarding is complete or whether you have created a transaction or plan item
• Standard Firebase/Google Analytics technical identifiers and device/app metadata
These analytics events are designed not to include your financial amounts, notes, category labels, or other content of your records.
Crash reporting (Firebase Crashlytics)
• Crash and error reports, stack traces, device model, OS version, App version, and similar diagnostic data
• Limited custom diagnostic keys (for example, the last screen name) to help us fix bugs
• Exceptions recorded when certain App operations fail
Subscriptions (RevenueCat and Google Play)
• Subscription and entitlement status as described in Section 5
Cloud sync backend (Multi_Software on Cloudflare)
• Authenticated sync requests and the synced finance/settings data described in Section 4
• Premium entitlement checks needed to authorize sync
Internet access is required for these online services to function. Core local money tracking is designed to work without an account and without uploading your finance records unless you use Premium cloud sync.
8. Device Information Used Locally
To improve your experience, the App may read on-device information such as:
• Your device region or locale (to suggest a currency during setup)
• SIM country code (only to suggest a currency)
Currency suggestion is processed on your device. Separately, advertising, analytics, authentication, subscription, and sync services may process device or network information as described in this policy and in those providers’ policies.
9. Permissions
The App may request or use the following Android permissions:
Internet — To load ads (when shown), communicate with Google services, RevenueCat, and our cloud sync servers
Notifications — To send optional daily reminders and budget or goal alerts that you enable
Receive boot completed — To reschedule reminders after your device restarts
Schedule exact alarm — To deliver reminder notifications at the time you choose, where the system allows it
Advertising ID (AD_ID) — Used by Google Mobile Ads for advertising on supported devices
You can turn off notifications at any time in the App settings or in your device’s system settings. The App remains usable if you decline or disable notifications. Ad, analytics, authentication, subscription, and sync network activity may still occur when the App is online and those features are used, subject to applicable consent rules and your account/subscription status.
10. Export, Import, and Sharing
You may export your App data to a CSV file and import data from a CSV file you select. Export may include transactions, budgets, goals, and settings, depending on the backup format used by the App.
• Export and import are initiated by you.
• When you export, you choose where to save or share the file (for example, email, cloud storage, or another app on your device).
• We do not access, receive, or control files after you share them outside the App.
• You are responsible for keeping exported files secure.
11. Data Retention and Deletion
Local data
Your locally stored finance data remains on your device until you:
• Delete individual transactions, goals, budgets, categories, or alerts within the App
• Clear or reset the App’s storage data in your device settings or in-app reset controls
• Uninstall the App
Uninstalling the App removes locally stored App data from your device, subject to your device’s backup and restore settings.
Cloud account and synced data
If you use cloud sync, synced data is retained on our servers while your account remains active and not scheduled for deletion.
You may use Delete account in the App to schedule deletion of your cloud account/synced data. When you request deletion:
• Cloud sync access for that account is treated as pending deletion
• You generally have 30 days to sign in again to cancel the deletion request
• If you do not cancel within the stated period, your synced cloud data is permanently deleted from our sync servers
Deleting your cloud account does not automatically erase expenses already saved on your phone. Use local delete/reset controls or uninstall the App if you also want to remove on-device data.
Subscription, advertising, analytics, and crash-reporting data
Data processed by Google advertising, analytics, crash-reporting, authentication, Google Play, or RevenueCat is retained according to those providers’ retention practices, your consent choices, and applicable store/subscription rules. We do not keep a separate copy of your payment card details.
To request help with deletion related to your Multi_Software cloud sync account or questions about advertising/analytics/crash reporting, email us at multisoftwareltd@gmail.com. You can also manage ad choices in the App’s Settings (Ad privacy options) and in your device’s Google ad settings where available.
12. Android Backup and Restore
The App may support Android’s built-in backup and restore features on supported devices, depending on your device model and system settings. If enabled on your device, backup data may be stored through your device manufacturer’s or Google’s backup service.
We do not operate or control this backup service. You can manage backup settings in your Android device settings. This is separate from Premium cloud sync.
13. Third-Party Services
The App integrates or relies on the following third-party services:
• Google Mobile Ads (AdMob) — advertising
• Google User Messaging Platform (UMP) — consent messaging where required
• Firebase Authentication — optional Google sign-in
• Firebase Analytics — app usage analytics
• Firebase Crashlytics — crash and error reporting
• Google Play Billing — in-app subscription purchases
• RevenueCat — subscription and entitlement management
• Cloudflare — hosting/infrastructure for our cloud sync API and database
These providers handle information under their own policies, including:
Google Privacy Policy: https://policies.google.com/privacy
How Google uses data from apps: https://policies.google.com/technologies/partner-sites
RevenueCat Privacy Policy: https://www.revenuecat.com/privacy
Cloudflare Privacy Policy: https://www.cloudflare.com/privacypolicy/
If you use your device’s share menu, file picker, Play Store links, email, or another app, those actions are handled by your device and the apps you choose. Their privacy practices are governed by their own policies.
Where available, you can open ad privacy options from the App’s Settings screen.
14. Children’s Privacy
The App is not directed at children under 13 years of age (or the minimum age required in your country). We do not knowingly collect personal information from children for the purpose of creating an account or offering paid subscriptions.
Advertising, analytics, authentication, subscription, and sync services may process device, account, or usage information as described in this policy. If you are a parent or guardian and have concerns, contact us at multisoftwareltd@gmail.com. You can also delete local App data by clearing the App’s storage or uninstalling the App, and request cloud account deletion as described above.
15. Your Rights
For local data, you can view, edit, export, or delete records within the App at any time.
If you use sign-in and cloud sync, you can also:
• View profile information shown in the App
• Sync, update, or delete synced records through normal App use
• Sign out
• Schedule deletion of your cloud account/synced data
Depending on where you live, you may have additional rights under applicable privacy laws (such as the GDPR in the European Economic Area or UK, or similar laws in other regions), including rights related to access, deletion, and consent for personalized advertising.
• You can manage notification permissions in system or App settings.
• Where required, you can review or change ad consent / privacy options through the App’s ad privacy controls or your device settings.
• For questions or requests related to this policy, email multisoftwareltd@gmail.com.
We may need to direct some advertising, analytics, authentication, purchase, or infrastructure requests to Google, RevenueCat, or Cloudflare, because those services process data under their own systems.
16. Data Security
Local finance data relies on standard on-device storage provided by the Android operating system. Communications with Google services, RevenueCat, and our cloud sync servers use secure transport mechanisms provided by those platforms.
Access to cloud sync data requires authentication. Premium entitlement checks are used to authorize sync features.
No method of electronic storage or transmission is completely secure. We recommend that you:
• Use a device lock screen (PIN, password, or biometric authentication)
• Keep your device operating system and the App updated
• Protect any CSV files you export and store elsewhere
• Sign out on shared devices
• Use a strong Google account security setup if you enable sign-in and sync
17. International Users
Your local financial records are stored on your device. When the App contacts Google services, RevenueCat, Google Play, or our Cloudflare-hosted sync backend, information described in this policy may be processed on servers in various countries according to those providers’ infrastructure and policies and our service configuration.
18. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date at the top of this page. If changes are significant, we may also notify you within the App or by other reasonable means.
Your continued use of the App after an updated policy is posted means you accept the revised Privacy Policy.
19. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the App, please contact:
Multi_Software
Email: multisoftwareltd@gmail.com