Privacy Policy for Income Saver

Last updated: 2 November 2026

Income Saver ("the app") is a personal budgeting and zakat app developed by Muhammad Abubakar. This policy explains what happens to your information. In short: your money records stay on your phone. The app has no account, no sign-up and no advertising, and the developer receives none of your entries.

What the app stores on your device

• The income and expense entries you add, with their amounts, categories, accounts, dates and notes

• Your saving goals, monthly budgets and monthly income figure

• Your zakat records: assets, debts, zakat years, payments and your zakat date

• Your settings, such as app language and voice language

All of this is kept in the app's private storage, which other apps cannot read. None of it is uploaded to the developer or to any server.

Internet use

The app connects to the internet for one purpose: to fetch the day's public gold and silver prices and the currency exchange rate, so that zakat can be worked out. It requests these from gold-api.com and open.er-api.com. These requests contain no information about you or your money. As with any website, those services can see your device's IP address when the request is made.

Text recognition (receipts and screenshots)

When you choose to read a receipt or a price screenshot, the picture is processed on your phone by Google's ML Kit text recognition. The picture and its text are not sent anywhere. ML Kit does send Google limited technical information to measure how the feature performs, such as the device model, operating system version, app information, a per-installation identifier that is not meant to identify you, performance metrics and error codes. Google states that this data is encrypted in transit and is not shared with third parties. More information: ML Kit data disclosure.

Camera, photos and voice

• Camera and photos: the app opens your phone's own camera or photo picker only when you tap to add a receipt. It does not have access to your other photos.

• Voice input: when you tap the microphone, your phone's speech recognition service (for example, Google's) turns your words into text and returns the text to the app. That service is provided by your phone, under its own privacy policy. The app itself does not record or store audio.

• Read aloud: summaries are spoken using your phone's text-to-speech, on the device.

Sharing and export

Reports, zakat calculations and CSV exports leave the app only when you tap Share or Export and choose where to send them.

Device backup

If Android's backup service is switched on in your phone settings, Android may include this app's data in your own Google account backup. This is a function of the Android operating system, carried out under your own Google account. The app itself uploads nothing, and you can switch backup off in your device settings.

Deleting your data

You can delete any entry in the app, or delete everything from Settings. Uninstalling the app removes all of its data from your phone.

Children

The app is not directed at children under 18.

Changes to this policy

If this policy changes, the updated version will be posted at this address with a new date.

Contact

shaabubakar100@gmail.com