# Privacy Policy for MyMonthlySubsTracker
**Last Updated: July 21, 2026**
MyMonthlySubsTracker ("we," "us," or "our") operates the mobile application com.tipsmari123.subtracker (the "App"). We are committed to protecting your privacy and handling your data securely.
This Privacy Policy explains what information we collect, how we use it, and your choices regarding your data.
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## 1. Information We Collect
### A. Personal Information
* **Account Details**: If you sign in or create an account, we collect your email address and basic profile details via Google Authentication / Firebase Authentication.
* **Contact Information**: Your phone number is optionally collected if you choose to receive SMS OTPs or text-based payment reminders.
### B. Subscription & Financial Information
* **Subscription Data**: To track your recurring costs, we store user-provided details of your subscriptions, including service names (e.g., Netflix, Spotify, Hotstar, YouTube Premium), costs, billing cycles, next renewal dates, and payment methods.
* **Transaction Syncing**: If you utilize our bank sync simulation, we process temporary or mocked bank transaction descriptions strictly for the purpose of identifying recurring subscription candidates.
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## 2. How We Use Your Information
We use the collected information for the following purposes:
* To organize, display, and calculate your monthly subscription expenses and dashboards.
* To trigger push notifications, system alerts, or optional SMS reminders when your subscriptions are due.
* To enable offline sandbox simulations and developer quality-assurance testing.
* To secure your personal dashboard with user-specific database isolation.
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## 3. Third-Party Services We Use
We integrate with trusted third-party service providers to power key features. These services have their own privacy policies:
* **Google Firebase (Firestore & Auth)**: Used to authenticate users and securely store subscriptions, transactions, and notifications.
* **Twilio**: If configured, Twilio is used to securely transmit SMS verification and payment alerts.
* **Razorpay**: Used in simulated or live environments to process secure transactions.
We do not sell, rent, or trade your personal or financial data to third-party advertisers or data brokers.
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## 4. Data Security & Retention
* Your data is stored securely using cloud-native databases (Google Firebase/Firestore) with active rule-based access controls to prevent unauthorized access.
* We retain your data as long as your account remains active. You can completely purge all subscription entries, transaction syncs, and notifications directly from the **Settings & Sandbox** screen in the App.
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## 5. Children's Privacy
The App is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal data, please contact us immediately.
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## 6. Your Rights & Data Deletion
You have the right to access, update, or delete your personal data. You can delete your account or wipe your subscription history inside the App's settings at any time.
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## 7. Changes to this Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.
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## 8. Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us at:
**Email**: tipsmari123@gmail.com
MyMonthlySubsTracker Privacy Policy.