Privacy Policy

App Name: Money Tracker: Budget & Expense
Developer Name: Qubex
Contact Email: console@qubexapps.com

1. Introduction

Money Tracker: Budget & Expense (“App”, “we”, “our”, “us”) is a personal finance management application designed to help users track their income, expenses, and budgets in a simple and organized way.

We respect user privacy and follow a privacy-first approach. This Privacy Policy explains how information is handled when you use the App, in accordance with:

• Google Play Developer Program Policies

• GDPR (European Union)

• CCPA (California)

• India Digital Personal Data Protection Act, 2023

By using this App, you agree to this Privacy Policy.

2. Permissions We Use & Why

The App requests only minimal permissions required for functionality and stability.

🌐 Internet & Network Permissions

• INTERNET

• ACCESS_NETWORK_STATE

• ACCESS_WIFI_STATE

• CHANGE_WIFI_STATE

Purpose:

• Load optional online content or updates

• Enable backup/sync features if provided

• Check network connectivity for smooth performance

📌 These permissions are not used to collect personal or financial information.

🔔 POST_NOTIFICATIONS

Used to:

• Send optional reminders

• Notify users about budget alerts or app updates

Notifications are optional and can be disabled anytime from device settings.

3. Information We Collect

3.1 Information Stored Locally

• Expense and income entries entered by the user

• Budget settings and preferences

📌 All financial data is stored locally on the user’s device unless the user explicitly enables a cloud or backup feature.

3.2 Information We Do NOT Collect

❌ No bank account details
❌ No debit/credit card information
❌ No passwords or PINs
❌ No contacts or messages
❌ No location data
❌ No personal identity information

The App does not require user registration.

4. How We Use Information

Information is used strictly to:

• Track expenses and income

• Display reports and summaries

• Help users manage budgets effectively

We do not use user data for tracking, profiling, or advertising.

5. Data Sharing

We do not:

• Sell user data

• Share personal or financial data with third parties

Any third-party tools (such as crash reporting) comply with Google Play privacy standards and do not access financial data.

6. Data Security

We apply reasonable security measures:

• Local data storage

• Secure Android APIs

• Limited permission usage

However, users are encouraged to keep device security features (lock, PIN, biometrics) enabled.

7. Children’s Privacy

This App is not intended for children under 13.
We do not knowingly collect data from children.

8. User Rights

Depending on your region (GDPR / CCPA), you may:

• Request information about data handling

• Request deletion of app data

Uninstalling the App removes all locally stored data.

9. Disclaimer

Money Tracker: Budget & Expense is a personal finance tool.
The App does not provide financial, legal, or investment advice.
Users are responsible for the accuracy of the data they enter.

10. Changes to This Policy

We may update this Privacy Policy from time to time.
Any changes will be reflected within the App or on the policy page.

11. Contact Us

If you have any questions or concerns regarding this Privacy Policy, please contact us at:

📧 console@qubexapps.com

📢 Declaration

We hereby declare that:

• Money Tracker: Budget & Expense does not collect, store, or sell personal or sensitive user data

• All financial entries are stored locally on the user’s device

• Only minimal permissions are used for app functionality

• No tracking, profiling, or background surveillance is performed

• The App fully complies with Google Play Developer Program Policies