Last updated: [02/03/2026]
SmartKwacha ("we", "our", or "us") respects your privacy. This Privacy Policy explains how our mobile application collects, uses, and protects your information.
1. Information We Collect
SmartKwacha may collect the following types of information:
a) SMS Data
The app may access SMS messages on your device only with your permission to:
Detect and extract transaction details (e.g., Airtel Money messages)
Automatically record expenses and income.
SMS data is processed locally on your device.
b) Financial Data (User-entered or extracted)
Transaction amounts
Categories
Dates and descriptions
This data is used to provide expense tracking and insights.
2. How We Use Your Information
We use the collected data to:
Provide core app functionality (expense tracking)
Automatically detect and record transactions
Display insights and summaries
3. Data Storage
All data is stored locally on your device
We do not upload your personal data to external servers
We do not sell or share your data
4. Data Sharing
We do not share your data with:
Third-party companies
Advertisers
External services
5. Permissions
SmartKwacha may request the following permission:
SMS Permission
Used only to read transaction messages for expense tracking.
You can:
Grant or deny permission
Revoke permission anytime in device settings
6. Data Security
We take reasonable steps to protect your data. Since all data is stored locally, your information remains under your control.
7. Children’s Privacy
SmartKwacha is not intended for children under 13.
We do not knowingly collect data from children.
8. Changes to This Policy
We may update this Privacy Policy. Changes will be reflected by updating the date above.
9. Contact Us
If you have questions, contact us at:
damasonsimwizye@gmail.com