Smart Expense Privacy Policy

Effective Date: August 28, 2026

Naeem ("we", "our", or "us") operates the Smart Expense mobile application (the "App"). This Privacy Policy explains how Smart Expense collects, uses, stores, and protects information when you use the App.

By downloading or using Smart Expense, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Information We Collect

Smart Expense is designed to help users manage their personal finances while keeping financial information on their own devices.

A. Financial Data Stored Locally

Smart Expense stores your financial information locally on your device using an SQLite database.

This may include:

• Account names

• Account balances

• Transactions

• Transaction amounts

• Credit and debit entries

• Categories

• Transaction dates

• Remarks or notes

• App preferences

This information remains stored only on your device.

We do not upload, synchronize, transmit, or store your financial records on our own servers.

We cannot access your locally stored financial information.

B. Security PIN

If you enable the App Lock feature, your 4-digit security PIN is stored locally on your device.

The PIN is never uploaded or transmitted to our servers.

You are responsible for keeping your PIN confidential.

C. Speech-to-Text

Smart Expense may request access to your device's microphone to allow speech-to-text transaction entry.

When you use this feature, your speech may be processed by your device operating system or a third-party speech recognition provider to convert spoken words into text.

Smart Expense does not record, permanently store, or upload your voice recordings to our servers.

Any speech recognition service used by your device is governed by its own privacy policy.

D. Backup and Restore

Smart Expense allows you to create manual backups of your local database.

Backup files are stored only:

• On your device

• On external storage selected by you

• In another location chosen by you

We do not upload, access, or store backup files on our servers.

You are solely responsible for protecting exported backup files.

Deleting the App or clearing its storage without creating a backup may permanently delete your financial information.

2. Third-Party Services

Smart Expense uses trusted third-party services to improve app functionality, analytics, advertising, and notifications.

These services may collect information according to their own privacy policies.

Google AdMob

We use Google AdMob to display advertisements inside the App.

AdMob and its advertising partners may automatically collect information including:

• Device information

• Device identifiers

• Advertising ID

• IP address

• Approximate location

• Crash information

• Diagnostic information

• Advertising interaction information

Advertisements may be personalized or non-personalized depending on:

• Your Google account settings

• Device settings

• Applicable laws

• Your consent where required

Smart Expense does not share your financial transaction data with AdMob.

Firebase Analytics

We use Google Firebase Analytics to better understand how users interact with Smart Expense and to improve the App's features, stability, and performance.

Firebase Analytics may automatically collect information such as:

• Device model

• Operating system version

• App version

• App usage statistics

• Session duration

• Screen views

• Feature usage

• Device identifiers

• Crash information

• Performance metrics

The App may send analytics events including:

• App opened

• App updated

• Transaction added

• Credit transaction selected

• Debit transaction selected

• Backup created

• Backup restored

• Feature usage events

We intentionally do not send the following information to Firebase Analytics:

• Transaction amounts

• Transaction remarks

• Account names

• Account balances

• Security PIN

• SQLite database contents

• Backup files

• Voice recordings

• Financial reports

Analytics information is used only to improve the App and understand overall usage patterns.

Firebase Cloud Messaging (FCM)

Smart Expense uses Firebase Cloud Messaging (FCM) to send notifications to your device.

Firebase may process certain technical information necessary to deliver notifications, including:

• Firebase Installation ID

• FCM Registration Token

• Device information

• IP address

• Operating system information

These identifiers are used solely for reliable notification delivery.

Smart Expense does not use FCM to upload or store your financial records.

Notifications may include:

• Expense reminders

• App updates

• Feature announcements

• Important service notifications

You may disable notifications at any time through your device settings.

3. Financial Information

Smart Expense is designed to keep your financial information private by storing it locally on your device.

Your financial information may include:

• Accounts

• Transactions

• Account balances

• Categories

• Budgets

• Reports

• Transaction history

• Notes and remarks

This information is not uploaded, synchronized, or stored on our servers.

We do not access, monitor, sell, rent, or share your financial records with third parties.

If you choose to export, share, or restore a backup using another application or cloud storage service, the handling of that backup will be governed by the privacy policy of the service you choose.

You are responsible for protecting any exported backup files.

4. Data Sharing

We do not sell your personal or financial information.

We do not share your locally stored financial data with third parties.

However, certain technical information may be processed by trusted third-party service providers that help us operate the App, including:

• Google AdMob (Advertising)

• Firebase Analytics (Usage Analytics)

• Firebase Cloud Messaging (Push Notifications)

These providers process information according to their own privacy policies.

We may also disclose information if required by applicable law, legal process, or to protect our legal rights.

5. Data Security

We take reasonable administrative and technical measures to help protect the information handled by Smart Expense.

Since your financial records remain on your device, the security of your information also depends on:

• Your device security

• Screen lock or biometric protection

• Operating system security updates

• Protection of exported backup files

We recommend enabling a secure device lock and storing backup files in a secure location.

Although we strive to protect information, no method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security.

6. Data Retention

Smart Expense does not maintain a server-side database containing your financial information.

Your financial records remain stored on your device until you:

• Delete individual records

• Clear the App's storage

• Uninstall the App

• Restore another backup over the existing data

Analytics, advertising, and notification-related information processed by third-party services may be retained according to their own privacy policies.

7. Children's Privacy

Smart Expense is not intended for children under the age required by applicable law.

We do not knowingly collect personal information from children through our own servers.

If you believe that a child has provided personal information through the App, please contact us so that we can review the situation and take appropriate action.

8. Permissions

Depending on the features you use, Smart Expense may request the following permissions:

Microphone

Used only for speech-to-text transaction entry.

Notifications

Used to deliver reminders, updates, and other app-related notifications through Firebase Cloud Messaging.

Storage / File Access

Used to export and restore backup files where supported by your Android version.

The App requests only the permissions necessary to provide these features.

9. Your Choices

You can control your privacy by:

• Enabling or disabling microphone access through your device settings.

• Enabling or disabling notifications through your device settings.

• Choosing whether to use speech-to-text.

• Choosing whether to create or restore backup files.

• Managing your Google advertising preferences.

• Deleting your locally stored financial records.

• Uninstalling the App at any time.

Please note that disabling certain permissions or features may limit the functionality of the App.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or App features.

When changes are made, we will update the Effective Date at the top of this Privacy Policy.

Your continued use of Smart Expense after any changes become effective constitutes your acceptance of the updated Privacy Policy.

We encourage you to review this Privacy Policy periodically.

11. Contact Us

If you have any questions, suggestions, or concerns regarding this Privacy Policy or Smart Expense, please contact us:

Iqriza Tech

Email: iqrizatech@gmail.com