Privacy Policy

Last updated: October 28, 2026

This Privacy Policy describes Our policies and procedures on the collection, use, and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal Data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

Interpretation

The words whose initial letters are capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

• Account means a unique account created for You to access Our Service or parts of Our Service.

• Application refers to SpendWise, the software program provided by the Company.

• Company (referred to as either "the Company", "We", "Us" or "Our" in this Privacy Policy) refers to SpendWise.

• Country/State refers to: Pakistan.

• Device means any device that can access the Service, such as a cell phone, tablet, or computer.

• Personal Data (or "Personal Information") is any information that relates to an identified or identifiable individual.

• Service refers to the Application.

• Service Provider means any natural or legal person who processes data on behalf of the Company, including third-party ad networks, analytics providers, and payment processors.

• Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself.

• You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service.

Collecting and Using Your Personal Information

Types of Data Collected

1. Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information, including:

• Name / Display Name

• Email address (if creating an account or contacting support)

• Preferred Currency and financial tracking inputs (stored locally or synced securely to maintain your app balance records)

2. Usage Data & Device Identifiers

Usage Data is collected automatically when using the Service. This may include:

• Device IP address

• Operating System version and Device model

• Unique Device Identifiers (e.g., Google Advertising ID / GAID)

• App crash logs, performance diagnostics, and interaction statistics

3. In-App Purchases & Financial Data

If you make purchases within the Application, financial processing is handled directly by Google Play Store or third-party payment gateways. We do not store or collect your raw credit card or bank account details.

Third-Party Services & Advertising

Our Application may use third-party Service Providers that collect, monitor, and analyze information to show targeted ads, analyze app performance, or manage user authentication.

These third-party providers have their own privacy policies regarding how they handle data:

• Google Play Services: https://policies.google.com/privacy

• Google AdMob: https://support.google.com/admob/answer/6128543

• Google Analytics for Firebase / Firebase Crashlytics: https://firebase.google.com/support/privacy

AdMob and other ad providers may use Advertising IDs and cookies/local storage to serve personalized or non-personalized advertisements based on your interests and location.

Device Permissions

To provide complete functionality, SpendWise may request the following permissions on your device:

• Internet Access (INTERNET): Required for loading ads, syncing online preferences, or sending error reports.

• Network State (ACCESS_NETWORK_STATE): To check whether your device is connected to Wi-Fi/Mobile Data.

• Storage Access (if applicable): To export or import local spending summaries and reports.

You can manage or revoke these permissions at any time through your mobile device settings.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

• To provide and maintain Our Service: Including monitoring app crashes and ensuring functionality.

• To manage Your Account: To allow user setup, store currency preferences, and manage app access.

• To show relevant advertisements: Utilizing advertising networks (such as AdMob) to serve ads within the app.

• To manage purchases: Verifying premium or digital feature purchases via Google Play Billing.

• To contact You: For support queries, security updates, or essential app notifications.

Data Retention and Security

Data Retention

We retain Your Personal Data only for as long as necessary to fulfill the purposes set out in this Privacy Policy.

• Account & Preference Data: Retained while your account is active or as long as necessary to provide service.

• Diagnostics & Analytics Data: Retained for up to 24 months for performance improvement and security auditing.

Data Security

The security of Your Data is important to Us. While We implement commercially acceptable measures to protect your information, no transmission over the Internet or mobile networks is 100% secure.

Delete Your Personal Data (Data Erasure Rights)

You have the right to request the deletion of the Personal Data We hold about You.

• In-App Option: You can clear local app data or reset your profile directly from the Settings menu inside the Application.

• Manual Request: You can email Us directly at [sde14211@gmail.com] with the subject line "Data Deletion Request". Upon receiving your request, we will remove your personal data from our active systems within 30 days.

Children's Privacy

Our Service is not directed to anyone under the age of 13 (or 16 in certain jurisdictions). We do not knowingly collect personally identifiable information from children. If You are a parent/guardian and discover that your child has provided us with personal data, please contact Us so we can take immediate removal action.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top. You are advised to review this Privacy Policy periodically.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, you can contact us:

• By Email: [sde14211@gmail.com]