Privacy Policy

SpendingMonitor (“we”, “our”, “us”) respects your privacy. This Privacy Policy explains how information is handled when you use the SpendingMonitor mobile application (the “Chess Master”).

1. No Account – No Personal Identification

SpendingMonitor does not require you to create an account.

We do not collect, request, or store:

• Your name
  
  

• Email address
  
  

• Phone number
  
  

• Physical address
  
  

• Government identification numbers
  
  

• Bank account credentials
  
  

• Credit card information
  
  

• Any personal identification information
  
  

You can use the App completely anonymously.

2. Information You Enter

The App processes only the financial information that you manually enter, such as:

• Expense amounts and categories
  
  

• Income amounts and sources
  
  

• Budget targets
  
  

• Optional notes or descriptions
  
  

We do not automatically access your bank accounts or financial services.
All data entry is fully controlled by you.

3. No Cloud – Local Storage Only

All financial data is stored locally on your device.

• We do not upload your data to any server.
  
  

• We do not provide cloud synchronization.
  
  

• We do not remotely store or back up your financial records.
  
  

Your data remains on your device unless you choose to delete the App or clear its storage.

4. No Advertising – No Tracking

SpendingMonitor:

• Does not include advertising SDKs
  
  

• Does not display third-party ads
  
  

• Does not use analytics tracking for marketing purposes
  
  

• Does not sell, rent, or share your data with advertisers
  
  

We do not track your behavior across apps or websites.

5. Permissions

The App may request limited permissions necessary for functionality, such as:

• Internet access (if required for normal operation)
  
  

• Notifications (if you enable reminders)
  
  

You can manage or disable permissions at any time in your device settings.

6. Data Security

Because your data is stored locally, its security depends primarily on your device’s security settings.

We recommend:

• Using a screen lock (PIN, password, biometrics)
  
  

• Keeping your device software up to date
  
  

No method of electronic storage is 100% secure.

7. Children’s Privacy

SpendingMonitor is not intended for children under 13 years of age (or the minimum age required by applicable law).

We do not knowingly collect personal information from children.

8. Your Control and Data Deletion

You have full control over your data. You can:

• Edit or delete entries at any time
  
  

• Clear app storage through your device settings
  
  

• Uninstall the App to permanently remove all stored data
  
  

Since we do not store data on our servers, deleting the App removes all associated data from your device.

9. Changes to This Policy

We may update this Privacy Policy from time to time.
The “Effective Date” above will reflect the most recent version.

10. Contact

If you have any questions about this Privacy Policy, you may contact us at:

📧 tranhoangminhyq@gmail.com