Effective Date: July 30, 2026
Thank you for using our Expense Tracker & Settlement App ("the App"). Your privacy is important to us. This Privacy Policy explains how the App handles your information.
The App is designed with your privacy in mind.
We do not collect any personal information.
We do not require you to create an account.
We do not collect your name, email address, phone number, or location.
We do not collect payment or financial account information.
We do not collect analytics or usage data.
All data you enter into the App, including but not limited to:
Expenses
Settlements
Group information
Transaction history
Notes
Categories
App preferences
is stored only on your device using local storage.
Your data never leaves your device unless you choose to export or share it using features provided by your device.
The App does not upload, synchronize, or back up your data to any cloud server owned or operated by us.
We have no access to your expense records or personal financial data.
Because your data remains on your device, its security depends on your device's security features, such as screen locks, passwords, encryption, and backups that you choose to enable.
We recommend keeping your device protected with a passcode or biometric authentication.
You have complete control over your data.
Your data can be removed by:
Clearing the App's storage.
Uninstalling the App (unless your device has backed up app data locally or through your own backup service).
Since we do not store your information on our servers, we cannot recover deleted data.
The App does not use third-party services to collect or process your personal information.
If future versions include optional third-party services (such as crash reporting or analytics), this Privacy Policy will be updated accordingly.
The App is not directed toward children under the age of 13. We do not knowingly collect personal information from children.
We may update this Privacy Policy from time to time. Any changes will be reflected by updating the "Effective Date" at the top of this document.
If you have any questions regarding this Privacy Policy, you may contact us at:
Email: kartiksoftware24@gmail.com
✅ No account required
✅ No cloud storage
✅ No personal information collected
✅ All data stays on your device
✅ We cannot view your expenses or settlements
✅ You remain in complete control of your data