1. Introduction
Kharcha Monitor ("we," "us," "our," or the "App") is committed to protecting your privacy. This Privacy Policy explains how we handle your information when you use our expense tracking application.
2. Data Collection & Storage
What We Collect
SMS transaction messages (only when you grant permission)
Expense details you manually enter (amount, category, merchant, date, notes, location)
Password you create for app access
App usage preferences and settings
How We Store Data
All data is stored locally on your device using Room Database
No data is sent to external servers or cloud services
No third-party services have access to your data
Data remains on your device even if you uninstall and reinstall the app
3. SMS Permissions
The App requests SMS read permission to:
Automatically detect and parse banking transaction SMS
Categorize expenses intelligently
Save you time from manual entry
Important: We only read SMS; we do not send, modify, or access your SMS for any other purpose.
4. What We Don't Do
✓ We do NOT collect personal information (name, email, phone number)
✓ We do NOT require account creation or sign-up
✓ We do NOT send your data to any server or cloud
✓ We do NOT share, sell, or rent your data
✓ We do NOT track your location (location in expense notes is optional and stored locally)
✓ We do NOT use analytics or tracking tools
✓ We do NOT require internet connection for core functionality
5. Data Security
Your expense data is protected by the password you set
All data remains encrypted on your device with Android's built-in security
We recommend using a strong password for access
6. User Rights
You have complete control over your data:
View: Access all your expense data anytime
Export: Export your expenses as PDF or images
Backup: Create local backups of your data
Delete: Permanently delete expense entries anytime
Uninstall: Remove the app and all associated data
7. Permissions Requested
Permission Purpose
READ_SMS Read bank transaction SMS for auto-detection
RECEIVE_SMS Receive transaction SMS notifications (optional)
INTERNET For future cloud features (currently not used)
ACCESS_NETWORK_STATE Check network connectivity
8. Third-Party Services
Kharcha Monitor does not integrate with any third-party services for data collection, analytics, or tracking. All processing happens locally on your device.
9. Children's Privacy
This App is not intended for children under 13. We do not knowingly collect information from children under 13. If we become aware that a child under 13 has provided us with personal information, we will delete such information immediately.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be effective when posted with an updated "Effective Date." Continued use of the App constitutes acceptance of the updated policy.
11. Contact Us
If you have questions or concerns about this Privacy Policy, please contact us:
Email: vpdevelopers.studio@gmail.com
App Name: Kharcha Monitor
12. Data Retention
You control how long your data is retained:
Data stays on your device until you delete it
Uninstalling the app will remove associated data (depending on Android version)
Local backups persist until manually deleted
13. Compliance
This App complies with:
Android Privacy Guidelines
Google Play Store Policies
Data Protection and Privacy Standards
Summary
🔐 Your privacy is paramount. All your expense data stays on your device, encrypted and secure. We collect only what's necessary, store it locally, and give you complete control. No cloud, no tracking, no third parties.