# Privacy Policy for MoneyDiary

**Effective Date:** October 9, 2026

MoneyDiary ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and protect your information when you use our mobile application (the "App").

## 1. Information Collection and Use

MoneyDiary is designed to be a private and offline-first expense tracking application. 

- **Local Storage Only:** We **do not** collect, store, or transmit your personal data, financial information, or transaction history to any external servers. All data entered into the App—including incomes, expenses, categories, and scheduled entries—is stored locally on your device.

- **No Account Required:** You do not need to create an account, provide an email address, or log in to use the App.

## 2. Permissions We Request

To provide certain features, the App may request the following permissions on your device:

- **Notifications (Alarms & Reminders):** We request permission to send notifications to alert you about your scheduled transactions and daily entry reminders. These notifications are scheduled locally on your device and do not involve any remote servers.

## 3. Third-Party Services

Since MoneyDiary operates locally, it does not integrate with third-party analytics, tracking, or advertising services that collect user data. 

## 4. Data Security

Your data's security is directly tied to the security of your physical device. We strongly recommend using device-level security features (such as PIN, fingerprint, or face recognition) to protect your phone and, consequently, the data stored within MoneyDiary. If you uninstall the app or clear its data, your records will be permanently deleted unless you manually export or back them up.

## 5. Changes to This Privacy Policy

We may update our Privacy Policy from time to time to reflect changes in the app's features or legal requirements. We will notify you of any changes by updating the "Effective Date" at the top of this page. You are advised to review this Privacy Policy periodically for any changes.

## 6. Contact Us

If you have any questions or suggestions about our Privacy Policy, please do not hesitate to contact us. 

contact.vdkdevlopers@gmail.com