PayOFFs Tracker Privacy Policy

Effective Date: July 10, 2026

Thank you for using PayOFFs Tracker. Your privacy is important to us. This Privacy Policy explains how your information is collected, used, stored, and protected when you use our application.

1. Information We Collect

PayOFFs Tracker is designed to help you manage your personal finances. Depending on how you use the app, you may enter the following information:

• Debt records

• Savings goals

• Expense records

• Payment history

• Transaction notes

• Reminder dates

• App preferences (theme, language, currency, notification settings)

The information you enter is created and managed by you.

2. How Your Information Is Used

Your information is used solely to:

• Display your financial records.

• Calculate balances, savings progress, and debt status.

• Generate analytics and charts.

• Send reminder notifications (if enabled).

• Create backup and restore files when you choose to export or import your data.

We do not use your information for advertising or profiling.

3. Data Storage

Your financial information is stored locally on your device.

The app does not automatically upload your personal financial data to our servers.

If you choose to export a backup, the backup file is saved only to the location you select.

4. Data Sharing

We do not sell, rent, or share your personal financial information with third parties.

Your data remains under your control unless you manually export or share a backup file.

5. Permissions

Depending on your device and Android version, the app may request permission to:

• Access storage for importing or exporting backup files.

• Send notifications for payment or savings reminders.

These permissions are used only for their intended functionality.

6. Data Security

We take reasonable measures to help protect your information from unauthorized access.

Because your information is stored on your own device, you are responsible for protecting your device with a password, PIN, fingerprint, or other security methods.

7. Data Retention

Your information remains on your device until:

• You delete individual records.

• You clear all data from within the app.

• You uninstall the application.

• You manually delete exported backup files.

8. Children's Privacy

PayOFFs Tracker is not intended for children under the age of 13.

We do not knowingly collect personal information from children.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be reflected within the application or in future app updates.

10. Contact Us

If you have any questions regarding this Privacy Policy, you may contact:

Developer: RenDev PH

Email: renheartvillegas@gmail.com

Google Play Data Safety Summary

• Personal Information: Not Collected

• Financial Information: Stored locally on your device

• Data Shared with Third Parties: No

• Data Sold: No

• Data Used for Advertising: No

• Data Encrypted in Transit: Not Applicable (no online transmission of financial data)

• Data Deletion: Users can delete all data anytime through the app settings.