This Privacy Policy explains how Expense Manager (“the app”, “we”, “us”) handles your information. We built this app to help you track your daily expenses, income and loans — and we designed it to keep your financial data private and under your control.
!The short version: Your financial records stay on your device. We do not run servers that collect your transactions, we do not sell your data, and we do not require an account to use the app.
Stored on your deviceTransactions, loans and attachments live in the app’s local database.
No account neededYou can use every core feature without signing up or signing in.
Never sold or sharedWe don’t sell, rent or share your personal financial data.
1 Information we handle
All of the data you enter is stored locally on your device in the app’s private database. This includes:
Transactions you record — expenses, income, loans and investments (title, category, amount, date and any note).
People you add for loan tracking (their name and your loan balances with them).
Attachments you optionally add to a record, such as a receipt image.
Your preferences — chosen currency, dark-mode setting, budget figures and profile details.
An optional app-lock PIN, which is stored on your device as a one-way hash.
2 How your data is used
Your data is used only inside the app, to:
Display your balances, transactions, loans and reports.
Calculate summaries such as your net balance, monthly totals and budget savings.
Show insights and suggestions to help you understand and manage your spending.
Any insights are generated from your own on-device data for your personal use.
3 Data storage & security
Records live in the app’s local database and are not transmitted to us.
You can enable App Lock to protect the app with a PIN and, where supported, your device fingerprint.
Your PIN is never stored in plain text — only a hashed value is kept on the device.
If you uninstall the app, its local data is removed by the operating system. Use “Clear All Data” in Settings to erase everything at any time.
4 Exporting & sharing your data
You may export your data to a backup file saved in your device’s Documents/Expense Manager folder. Once exported, that file is under your control — where you store, move or share it is your responsibility. The app does not upload backups anywhere on your behalf.
5 Permissions
The app may request the following device permissions, only for the features you use:
Storage — to save your export file and to attach images to a record.
Biometrics — to unlock the app with your fingerprint, if you enable App Lock.
Notifications — to show optional reminders, if enabled.
6 Third parties
We do not sell, rent or share your personal financial data with third parties. If future versions add optional cloud features (such as backup sync or a subscription), this policy will be updated and those features will be clearly opt-in.
7 Children’s privacy
The app is intended for general audiences and is not directed at children under 13. We do not knowingly collect data from children.
8 Changes to this policy
We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date above. Continued use of the app after changes means you accept the updated policy.
9 Contact us
If you have any questions about this Privacy Policy or your data, get in touch and we’ll be happy to help.
