PRIVACY POLICY
SM - Expense Tracker and Budget Manager
Last Updated: September 18, 2026
Developer: SM Fintech
Privacy Contact Email: arpitadas200401@outlook.com
1. Introduction
SM - Expense Tracker and Budget Manager is a personal finance application that helps users manage expenses, income, budgets, transactions, reminders, and financial reports.
We respect your privacy and are committed to protecting your information. This Privacy Policy explains how information is handled when you use our App.
2. Information You Enter Into the App
The App allows you to enter and manage information such as:
• Expense transactions
• Income transactions
• Transaction titles
• Amounts
• Categories
• Budgets
• Custom categories
• Reminders
• Other information you choose to enter into the App
This information is used to provide the financial management features of the App.
3. Local Data Storage
The App is designed to store your financial records locally on your device.
Your expense, income, transaction, budget, category, and reminder information is not automatically uploaded to our own servers.
The App does not require you to create an account to use its core financial tracking features.
Because your financial records are stored locally, they remain under your control through your device and the App's available data-management features.
4. Notifications and Reminders
The App may request notification permission to provide features including:
• Budget alerts
• Spending threshold alerts
• Zero-budget alerts
• Custom reminders
• Payment reminders
• Other reminders created by you
Notification permission can be managed through your device settings.
5. Advertising and Third-Party Services
The App may use a third-party advertising service to display advertisements and support the free version of the App.
The advertising service may collect or process certain information from your device, such as:
• Advertising identifiers
• IP address
• Device information
• App interactions
• Diagnostic information
• Advertising-related information
This information may be used for purposes such as displaying advertisements, measuring advertising performance, analytics, fraud prevention, and improving advertising services.
The exact advertising provider used by the App may depend on the final advertising SDK or mediation configuration included in the released version.
We do not intentionally provide your financial records, including your expense entries, income entries, transaction details, or budget information, to advertising providers for advertising purposes.
Third-party advertising services may independently process device and advertising-related information according to their own privacy policies.
6. Advertising Personalization and Consent
Depending on your location and applicable laws, advertisements may be personalized or non-personalized.
Where required, the App may request your consent before certain advertising-related information is processed.
Your advertising experience may vary depending on your location, device settings, applicable privacy requirements, and the advertising configuration used by the App.
7. How We Use Information
Information entered into the App is used to provide features such as:
• Expense tracking
• Income tracking
• Budget management
• Transaction management
• Financial reports
• Category management
• Budget alerts
• Custom reminders
Advertising-related information processed by third-party advertising services may be used for advertising, measurement, analytics, fraud prevention, and related purposes.
8. Data Sharing
We do not sell your financial records or personal financial information.
Your financial records are designed to remain stored locally on your device.
Information may be processed by third-party service providers when necessary to provide specific services, such as advertising.
Third-party SDKs integrated into the App may independently collect and process device or advertising-related information according to their respective privacy policies.
9. Data Security
We take reasonable measures to protect information handled by the App.
Financial information stored locally is protected by the security mechanisms provided by your device and operating system.
Information transmitted by third-party services may be protected using security measures implemented by those services.
10. Data Retention and Deletion
Financial records stored locally on your device remain there until you delete them through the App, clear the App's data, uninstall the App, or otherwise remove the stored information using available device functionality.
We do not maintain a server-side copy of your financial records through the normal operation of the App.
Third-party advertising providers may retain advertising-related information according to their own privacy policies and retention practices.
11. Children's Privacy
The App is not specifically designed for children.
We do not knowingly collect personal information from children for the purpose of providing the App's financial management features.
If you believe that a child has provided personal information to us, please contact us using the contact information provided below.
12. Third-Party Privacy Policies
The advertising provider used by the App may have its own privacy policy and data practices.
Users should review the privacy policy of the advertising service used in the released version of the App.
The advertising provider may change if we change our advertising or mediation configuration.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes to the App, features, advertising services, SDKs, or applicable legal and policy requirements.
When we make changes, we will update the "Last Updated" date at the top of this Privacy Policy.
14. Contact Us
If you have questions or concerns about this Privacy Policy or the privacy practices of the App, please contact us: