Privacy Policy – Masroufat

Last Updated: December 2025
Developer: VGA Kuwait
App Version: 1.0.0

Introduction

Masroufat (مصروفات) is a personal finance tracking application developed by VGA Kuwait. We are committed to protecting your privacy and ensuring the security of your financial data.

This Privacy Policy explains how we collect, use, store, and protect your information.

Data Collection and Storage

What Data We Collect

Masroufat collects and stores the following information locally on your device:

Financial Data

• Income records (fixed and additional)

• Expense transactions with categories

• Savings goals and emergency fund amounts

• Budget limits and spending records

• Debt information (lend and borrow)

• Transaction history

User Preferences

• Language settings (English / Arabic)

• Theme preferences (Light / Dark mode)

• Number formatting preferences

• Category and subcategory customizations

• Notification settings

Configuration Data

• Recurring income settings

• Monthly commitments

• Auto-pay configurations for savings and debts

• Reminder preferences

How We Store Your Data

• All data is stored locally on your device using an SQLite database

• No data is transmitted to external servers or cloud services

• No internet connection is required for app functionality

Data storage locations:

• Android: /data/data/com.vga.masrufat/databases/

• iOS: Library/Application Support/

Data Sharing

• We do NOT share your data with third parties

• We do NOT collect analytics or usage statistics

• We do NOT access your data remotely

Data Control

• You can export your data as JSON files for backup purposes

• You can import your data from previously exported backup files

App Permissions

Photo Library Access

• Purpose: To allow you to attach images to expense receipts

• Usage: Only when you explicitly choose to add a photo

• Storage: Photos are not stored unless you attach them manually

Notifications

• Purpose: To send reminders for:

  • Savings goal installments

  • Debt payment reminders

  • Recurring income additions

  • Budget warnings

  • Auto-pay confirmations

• Control: You can disable notifications anytime from device settings

Background Processing

• Purpose: To process auto-pay transactions and due installments

• Usage: Runs daily in the background

• Data Accessed: Local database only

Data Security

Security Measures

• All data remains on your device

• No network transmission of data

• Data protection relies on your device’s security (passcode, biometrics)

• Exported backup files should be encrypted before sharing

Your Responsibility

• Secure your device with a passcode or biometric lock

• Do not share backup files with unauthorized parties

• Regularly back up your data using the Export feature

Data Export and Import

Export

• Export all data as a JSON file

• Includes transactions, goals, budgets, debts, and settings

• Saved to:

  • Android: Downloads folder

  • iOS: Documents folder

• Can be shared via email or cloud storage

Import

• Import previously exported backup files

• Import replaces all existing data

• Export current data before importing

• Requires explicit user confirmation

Auto-Pay System

Masroufat includes an auto-pay system that:

• Transfers money to savings goals automatically

• Processes debt installments automatically

• Runs using device background tasks

• Sends notifications for completed actions

Important:
Auto-pay only works when sufficient balance is available.
The app never overdrafts your account.

Children’s Privacy

Masroufat is not intended for children under the age of 13.
We do not knowingly collect personal information from children.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be communicated by:

• Updating the “Last Updated” date

• Including updates in app releases

• Posting the revised policy on our support page

Your Rights

You have the right to:

• Access your data through the app

• Export your data at any time

• Delete your data using the “Clear Data” option

• Control notifications through device settings

• Enable or disable auto-pay per goal or debt

Contact Us

If you have questions about this Privacy Policy or our data practices, contact us:

Developer: VGA Kuwait
Email: vgainquiry@gmail.com
Support Page: your-google-sites-support-url

Consent

By using Masroufat, you consent to this Privacy Policy.
If you do not agree with this policy, please do not use the app.

Note:
Masroufat operates entirely offline. All data processing happens locally on your device. We do not have access to your financial information.