Smart Expense Manager Privacy Policy

Privacy Policy — Smart Expense Manager
Last updated: March 28, 2026

Contact: amir.universalappworks@gmail.com
Developer / Data Controller: Mohd Amir

1. Introduction

This Privacy Policy explains how Smart Expense Manager (“we”, “our”, or “the app”) handles your information when you use our Android application.

By using the app, you agree to this Privacy Policy. If you do not agree, please do not use the app.

2. Information We Process

📱 Local Data Storage

The app is designed to operate primarily on your device. All financial and related data you enter—such as expenses, income, budgets, EMI/bills, split expenses, khata entries, notes, categories, and settings—are stored locally on your device.

☁️ Optional Google Drive Backup

If you enable backup:

• You sign in with your Google account

• The app uploads backup files to your personal Google Drive

• Data is stored in a folder created by the app

We do not store your financial data on our own servers.

📇 Contacts Access (Optional)

Contacts (optional — Khata)

We do not request or access your full contact list. When you tap “Choose from contacts,” the app uses the device’s system contact picker to let you select a single contact.

We only use the selected contact’s name and phone number to autofill Khata fields on your device. We do not store, upload, or share your contacts, and we do not access your address book in the background.

🔔 Notifications

If enabled, the app may send notifications such as:

• Backup reminders

• Bill or EMI alerts

All notifications are generated locally on your device.

🔐 Biometric / App Lock

If you enable biometric lock:

• Authentication is handled by Android system APIs

• We do not access or store your fingerprint or face data

📁 File Sharing & Export

The app allows you to:

• Export data (PDF / backup files)

• Share via Android share options

You have full control over what you share.

🔤 Fonts & External Resources

The app may load fonts via services like Google Fonts. These requests are handled according to Google’s privacy policies.

3. How We Use Information

We use data only to:

• Provide app features (expenses, budgets, khata, etc.)

• Enable Google Drive backup and restore

• Send local notifications (if allowed)

• Improve app performance and stability

We do not sell your personal or financial data.

4. Third-Party Services

We may use the following services:

• Google Sign-In → for account login

• Google Drive API → for backup storage

• Google services (fonts / SDKs)

These services follow their own policies under
Google Privacy Policy.

5. Data Retention & Deletion

• On Device: Data remains until you delete it, clear app data, or uninstall the app

• Google Drive: Backups remain until you delete them manually

• Account Sign-Out: Stops future backups

6. Security

We use reasonable security measures suitable for a local-storage app. However, no system is 100% secure.

We recommend:

• Use device lock (PIN / fingerprint)

• Do not share backup files with unknown sources

7. Children’s Privacy

This app is not intended for children under 13 years of age.

We do not knowingly collect data from children.

8. International Users

If you use Google services, your data may be processed in different countries as per Google’s policies.

9. Your Rights

Depending on your region (e.g., GDPR, CCPA, India DPDP), you may:

• Access your data

• Delete your data

• Request corrections

Since most data is stored locally, you can manage it directly within the app or your Google Drive.

10. Changes to This Policy

We may update this Privacy Policy from time to time.

Changes will be reflected by updating the “Last updated” date.

11. Contact Us

If you have any questions:
📧 Email: amir.universalappworks@gmail.com