Last Updated: March 17, 2026

Expensio is designed to help users track expenses, manage monthly budgets, and generate financial reports while maintaining strong privacy and data protection standards.

This Privacy Policy explains how Expensio collects, uses, and protects your information when you use the app.

Information We Collect

• To provide certain features, Expensio may collect limited user information during account registration.

• The app may collect the following information:

  1. Full name

  2. Email address (when using Email/Password login or Google Sign-In)

  3. Phone number (if provided during registration)

• This information is used only for authentication and account identification purposes.

• Expensio does not collect or access sensitive financial information such as bank account details, credit card numbers, or payment information.

• Providing this information is optional, but certain features of the app may require account registration to function properly.

Expense and Budget Data

All financial information entered into the app such as:

• Expense titles

• Expense amounts

• Categories

• Budget limits

• Generated reports

is stored locally on your device.

Local Storage

Expensio stores expense and budget information locally on the user's device using secure local storage technologies. This ensures that financial data remains private and accessible only to the user unless the user chooses to export reports. 

This information is used solely for:

• Tracking expenses

• Calculating budget usage

• Generating financial reports within the app

Expensio does not sell, rent, or share your financial data with third parties.

Authentication

Expensio supports the following authentication methods:

• Email and Password authentication

• Google Sign-In

These services are provided through Firebase Authentication, a service operated by Google.

When using these services, certain account information (such as email address and name) may be processed by Google according to their privacy policies.

Google Privacy Policy:
https://policies.google.com/privacy

User Account Data

When users sign in using Email/Password or Google Sign-In, basic account information such as name and email address may be stored securely in Firebase services to support authentication and account management features.

This information is used only for user identification and login functionality and is not used for advertising or tracking purposes.

Notifications

Expensio uses local notifications on your device to help manage your budget.

Notifications may be used to:

• Alert you when approximately 70% of your monthly budget has been used

• Notify you when your monthly budget has been exceeded

These notifications are generated locally on your device and do not involve sharing your financial data externally.

PDF Reports

Expensio allows users to generate monthly expense reports.

When generating a report:

• A PDF file is created locally on your device

• The file is saved to a location chosen by the user

• The report is not uploaded or transmitted to external servers

Permissions Used

Expensio may request the following permissions:

Notifications
Used to send local budget alerts and reminders.

File Access (when exporting reports)
Used only when saving generated PDF reports to your device.

Advertising

Used to display advertisements provided by Google AdMob. 

Expensio does not access contacts, photos, media files, location data, or other personal device information.

Third-Party Services and Advertising 

Expensio uses trusted third-party services provided by Google to support certain features of the application.

These may include:

• Firebase Authentication

• Google Sign-In services

• Google AdMob (for displaying advertisements) 

These services operate according to their own privacy policies and may process account information required for authentication.

Google Privacy Policy:
https://policies.google.com/privacy

Advertising (Google AdMob) 

Expensio uses Google AdMob to display advertisements within the app. AdMob is an advertising service provided by Google that may collect certain information to display relevant ads and measure ad performance.

AdMob may automatically collect information such as:

• Device information

• Advertising identifiers (such as Google Advertising ID)

• IP address

• Interaction data with advertisements

This information is used by Google to deliver and improve advertising services.

Expensio does not have direct access to this advertising data and does not use it for any purpose other than displaying advertisements within the app.

Users can learn more about how Google uses data in advertising by visiting:

https://policies.google.com/technologies/ads

Data Security

Expensio takes reasonable steps to protect user information.

• Financial data is stored locally on the user's device.

• No sensitive banking or payment data is collected by the app.

• User data is not sold or shared with advertisers or external companies.

However, users are responsible for maintaining the security of their device and login credentials.

Children's Privacy

Expensio is not directed toward children under the age of 13.
We do not knowingly collect personal information from children.
If such information is discovered, it will be removed promptly. 

Changes to This Privacy Policy

We may update this Privacy Policy from time to time.
Any changes will be reflected by updating the “Last Updated” date above.
Users are encouraged to review this policy periodically. 

Data Deletion 

Users can request deletion of their account and associated account information.

To learn how to delete your account, please visit:
https://sites.google.com/view/expensio-acc-deletion/home

Upon request, account information stored in authentication services may be removed.

Financial data stored locally on the device can be removed by uninstalling the application or clearing the app's storage from device settings.

Contact Us

If you have questions about this Privacy Policy, you can contact:

Monotosh Ghosh

Email: monotoshghosh49@gmail.com
Website: https://monotoshghosh.netlify.app/