Last Updated: September 4, 2026
Developer / Publisher: RiyoNest
Wealth Ledger: Expense & Debt ("Wealth Ledger", "we", "us", or "our") is a personal finance management application designed to help individuals manage and track expenses, income, accounts, transfers, categories, and other financial records.
Privacy is an important part of the design of Wealth Ledger. The current version is built with an offline-first architecture, meaning that the financial information you enter into the application is stored and processed on your device rather than on a remote server.
This Privacy Policy explains what information you may enter into Wealth Ledger, how that information is stored, how certain device features are handled, and how you can manage or delete your data.
In the current Simple MVP release (Version 1.0.0), Wealth Ledger does not require or provide user accounts, registration, or login through remote services.
You do not need to provide your name, email address, phone number, or other personal contact information to use the application.
You may choose to record financial and organizational information within the application, including:
Financial Accounts: Account names, account types, balances, currency selections, and related account information.
Transactions: Income and expense amounts, transaction dates, titles or payees, categories, and optional notes or memos.
Transfers: Transfers between accounts, transfer amounts, fees, dates, and related notes.
Categories: Category names, icons, and color information.
Preferences: Display settings, date and number formatting preferences, and base currency settings.
The information you enter is stored locally on your device. The current release does not transmit this financial information to RiyoNest servers or a remote financial database.
Wealth Ledger stores your financial information locally on your device using the ObjectBox embedded database.
Financial records and application preferences are stored within the application's private storage area on your device.
The current release does not upload, synchronize, or store your financial records on a RiyoNest server or third-party cloud database.
Wealth Ledger does not require a cloud account. Your locally stored financial records are therefore not associated with a Wealth Ledger online account, email profile, or cloud user profile.
The current version does not use application-level encryption for the ObjectBox database.
The protection of locally stored data therefore also depends on the security of your device and its operating system. We recommend using appropriate device security measures such as a screen lock and keeping your device's operating system up to date.
No software or storage method can guarantee absolute security.
The current production release of Wealth Ledger is designed to operate offline.
The application does not use an application backend to store financial records.
The application does not use a remote REST API for financial data.
The production Android release does not include the INTERNET permission.
Financial records entered into Wealth Ledger are not transmitted to RiyoNest servers.
The application does not use advertising or behavioral analytics networks.
The current Simple MVP is therefore designed to keep your financial records on your device.
The Wealth Ledger application includes the Firebase Core SDK (firebase_core) and initializes Firebase as part of the application's technical configuration.
However, in the current release, Wealth Ledger does not use Firebase services to collect, store, synchronize, or transmit your financial records.
The current release does not use:
Firebase Analytics
Firebase Crashlytics
Firebase Authentication
Cloud Firestore
Firebase Realtime Database
Firebase Cloud Messaging
Firebase as a financial-data backend
Firebase is not used as a remote database or synchronization service for your Wealth Ledger financial records in the current release.
If future versions introduce Firebase-based services that change how information is collected or processed, this Privacy Policy will be updated accordingly.
Wealth Ledger includes support for local, on-device notifications.
Local notifications are generated and scheduled on your device and do not require a remote push notification service in the current release.
On Android 13 and later, the operating system may require the POST_NOTIFICATIONS permission before an application can display notifications.
The current Simple MVP has limited/gated notification functionality. Future versions may introduce additional local reminders or notification features.
Wealth Ledger includes support for biometric authentication through the device's operating system.
When biometric authentication is used:
Authentication is handled by the Android operating system.
Wealth Ledger does not access fingerprint images, facial images, biometric templates, or raw biometric data.
The application receives only the authentication result required to continue the relevant operation.
Wealth Ledger does not store your fingerprint or facial biometric information.
Biometric information remains managed by the device's operating system and applicable device security hardware.
The current version of Wealth Ledger:
Does not display third-party advertisements.
Does not use advertising networks.
Does not collect or use advertising identifiers for advertising purposes.
Does not use third-party behavioral analytics.
Does not use Firebase Analytics.
Does not use remote crash-reporting services such as Firebase Crashlytics or Sentry.
We do not use your financial information for advertising or user profiling.
Wealth Ledger uses third-party software libraries to provide certain application functionality.
Relevant libraries include:
ObjectBox: Used as the local database for storing application and financial records on the device.
Firebase Core: Used as part of the application's Firebase configuration. The current release does not use Firebase as a financial-data backend or for collecting your financial records.
Flutter Local Notifications: Used to provide local notification functionality on the device.
Local Auth: Provides a connection to the device's operating-system biometric authentication framework.
Flutter Secure Storage: Provides secure local key-value storage using platform security facilities where used by the application.
These libraries do not change the application's current local-only financial-data architecture.
We do not sell, rent, trade, or monetize your financial information.
The current release does not share your financial records with:
Advertising networks
Data brokers
Behavioral analytics providers
Marketing platforms
Remote financial-data services
Because the current release does not store your financial records on RiyoNest servers, RiyoNest does not maintain a remote copy of those records.
Your financial records remain stored locally on your device for as long as you keep them in the application.
The current release does not maintain a remote copy of your financial records on RiyoNest servers.
You control how long your locally stored financial information remains on your device.
You have control over the financial information stored locally in Wealth Ledger.
Where supported by the application, you can delete individual financial records such as transactions, transfers, accounts, or other records.
Deleted records are removed from the application's local database.
Some records may have deletion restrictions when they are associated with other financial records or are required by the application's data-integrity rules.
You can clear Wealth Ledger's application data through your Android device's application settings.
Clearing application storage removes the application's locally stored database and settings.
Uninstalling Wealth Ledger may remove the application's local data from the device according to the behavior of the Android operating system and device.
Because the current release does not maintain a cloud copy of your financial records, data removed from your device cannot be recovered from RiyoNest servers.
The current Simple MVP does not provide:
Automatic cloud backup
Cloud synchronization
Remote financial-data storage
Built-in cloud restore
A built-in financial-data export feature
Because your financial records are stored locally, deleting application data, uninstalling the application, or losing access to your device may result in permanent loss of locally stored financial information.
You should take appropriate precautions if your financial records are important to you.
Wealth Ledger is a general-purpose personal finance application.
The current release does not knowingly collect or maintain personal information from children through online accounts or remote services.
Because the application does not require an online account and does not transmit financial records to a remote server, the current release does not maintain a remote user profile or financial-data account for children or other users.
If you have questions about the use of the application by a child, please contact us using the information provided below.
Wealth Ledger is designed to minimize unnecessary data transmission and keep financial records within the application's local storage.
The application uses the following privacy and security principles:
Financial records are stored locally.
The production application does not require internet access.
The application does not use advertising or behavioral tracking.
The application requests only the permissions required by its current functionality.
Biometric authentication, where used, is handled by the device operating system.
The application uses the Android application's private storage environment for local data.
However, no application or electronic storage system can guarantee absolute security.
The security of locally stored information also depends on the security of your device. We recommend protecting your device with an appropriate screen lock, keeping your operating system updated, and avoiding unauthorized access to your device.
We may update this Privacy Policy when the application, its features, or its data-handling practices change.
For example, future versions may introduce features such as data export, backup, synchronization, or additional services that could change how information is processed.
When this Privacy Policy is updated, the Last Updated date at the top of this document will be revised.
We encourage users to review this Privacy Policy periodically.
If you have questions, feedback, or concerns regarding this Privacy Policy or the privacy practices of Wealth Ledger, please contact us.
Developer / Publisher: RiyoNest
Application: Wealth Ledger: Expense & Debt
Package: com.riyonest.wealth_ledger
Privacy Contact: riyooruban@gmail.com
Last Updated: September 4, 2026