# Privacy Policy for Budget Tracker

**Last Updated: January 3, 2026**

## 1. Introduction

Welcome to Budget Tracker (“we,” “our,” or “us”). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains our practices regarding the collection, use, disclosure, and protection of information when you use our mobile application (“App”).

Budget Tracker is designed with privacy as a fundamental principle. Our app operates primarily offline with minimal online connectivity for currency exchange rate updates. We collect minimal data necessary for app functionality and do not collect, store, or transmit personal data to our servers except as described in this policy.

## 2. Information We Do Not Collect

### 2.1 Personal Information

We do not collect any personally identifiable information, including but not limited to:

– Names, email addresses, phone numbers

– Location data (except as described in Section 3.2)

– Device identifiers

– IP addresses

– User accounts or authentication data

### 2.2 Usage Analytics

We do not collect:

– App usage statistics

– Crash reports or error logs

– Performance metrics

– User behavior analytics

– Any form of tracking data

### 2.3 Financial Data

While you may enter financial information into the app for personal tracking:

– This data remains exclusively on your device

– We never access, collect, or transmit this information

– All processing occurs locally on your device

## 3. Third-Party Services and Data Collection

### 3.1 Google Mobile Ads (AdMob)

If you use the free version of our app, advertisements may be displayed by Google AdMob:

**Data Potentially Collected by AdMob:**

– Device information (model, OS version, screen size)

– Approximate location data (for location-based ad targeting, with user permission)

– App usage data for ad performance measurement

– Advertising identifiers (may be reset in device settings)

**Important Notes:**

– AdMob data collection is governed by Google’s Privacy Policy: https://policies.google.com/privacy

– You can opt out of personalized advertising through your device settings

– Purchasing the premium subscription removes all advertisements and provides unlimited features:

  – Unlimited wallets, financial goals, recurring transactions, and scheduled notifications

  – Unlimited custom categories and report display items

  – Enhanced page sizes for better data navigation

– We do not receive or access any data collected by AdMob

### 3.2 In-App Purchase Processing

For premium subscriptions:

– Payment processing is handled securely by:

  – Google Play Billing (Android devices)

  – App Store (iOS devices)

– We do not collect, store, or process payment information

– Subscription status is managed locally on your device

– Refund requests are handled directly through the respective app stores

– Premium subscriptions provide unlimited features:

  – Unlimited wallets, financial goals, and transactions

  – Unlimited recurring transactions and scheduled notifications

  – Unlimited custom categories and report display items

  – Enhanced pagination for large datasets (10-200 items per page)

– Subscription management:

  – Monthly subscription: $4.99/month (auto-renewal)

– Yearly subscription: $49.99/year (auto-renewal with savings)

  – Cancellation through app store account settings

  – No automatic renewal after cancellation

### 3.3 Firebase Remote Config (Currency Updates)

The app uses Firebase Remote Config to update currency exchange rates once daily:

**Data Potentially Collected by Firebase:**

– Basic device information (device model, OS version, app version)

– Network connectivity status

– Firebase installation ID (anonymous identifier)

– Basic app usage metrics for Remote Config functionality

– Geographic region (for region-specific currency updates)

**Important Notes:**

– Firebase data collection is governed by Google’s Privacy Policy: https://policies.google.com/privacy

– Data is used solely for delivering currency exchange rate updates

– No personal or financial data is transmitted to Firebase

– Firebase Remote Config operates under Google’s infrastructure security standards

– We do not receive or access any data collected by Firebase

### 3.4 Firebase Functions (Purchase Verification)

The app uses Firebase Functions to verify in-app purchases and ensure subscription validity:

**Data Potentially Processed by Firebase Functions:**

– Purchase tokens and product IDs (for verification only)

– Basic device information for security validation

– Subscription status verification data

**Important Notes:**

– Firebase Functions are used exclusively for purchase verification

– No purchase data is stored permanently on Firebase servers

– Verification is performed in real-time and data is not retained

– Firebase Functions operate under Google’s enterprise-grade security

– We do not receive or access any data processed by Firebase Functions

– All verification is handled server-side for security

### 3.4 Local Notifications

– Permission is requested to send budget reminders and goal notifications

– All notifications are scheduled and delivered locally on your device

– No notification data is transmitted to external servers

– You can disable notifications at any time in your device settings

## 4. How Information is Used

### 4.1 Local Processing Only

All data processing occurs exclusively on your device:

– Budget calculations and financial analysis

– Currency conversions using stored exchange rates

– Report generation and data visualization

– Goal tracking and progress calculations

### 4.2 Third-Party Usage

– AdMob uses collected data solely for advertising purposes

– Payment processors use payment information only for transaction processing

– No data is shared with us or other third parties

## 5. Data Security and Protection

### 5.1 Local Storage Security

– Data is stored in encrypted SQLite databases

– Device-level encryption is used when available

– Input validation prevents malicious data entry

– Database integrity is maintained through constraints and checks

### 5.2 No External Transmission

– No data is transmitted over networks except for ad loading (when applicable)

– No cloud storage or server communication

– No risk of data interception during transmission

### 5.3 Data Encryption

– Financial data is encrypted using AES-256 encryption with PBKDF2 key derivation (10,000 iterations)

– SharedPreferences data is encrypted for sensitive settings

– Backup files can be additionally encrypted with user-provided passwords

– All encryption keys are generated and managed locally on the device

– No encryption keys are transmitted to external servers

### 5.4 Data Volume and Performance Considerations

– Premium users have unlimited storage capacity for all data types

– Large datasets (millions of records) may impact app performance on older devices

– The app uses pagination to display data efficiently (10-200 items per page)

– Performance depends on device capabilities and available memory

– We recommend regular data cleanup and backup for optimal performance

– The app is optimized for personal finance tracking, not enterprise-level data processing

## 6. Data Retention and Deletion

### 6.1 Data Retention

– All data remains on your device indefinitely until you choose to delete it

– We do not retain any user data on our servers

– Data persistence is controlled entirely by you

### 6.2 Data Deletion

Your financial data is stored locally on your device and can be deleted in several ways:

**Complete Data Deletion:**

– **Uninstall the app**: This removes all app data including wallets, transactions, and settings

– **Clear app data through device settings**: Go to Settings > Apps > Budget Tracker > Storage > Clear Data

**Partial Data Deletion:**

– **Delete individual wallets**: Access each wallet from the main screen and use the delete option

– **Delete transactions**: Go to each transaction screen and remove individual entries

– **Delete goals**: Access the goals section and remove individual financial goals

**Important Notes:**

– Deleted data cannot be recovered

– We recommend exporting important data before deletion

– Data deletion occurs immediately and locally on your device

### 6.3 Backup and Data Export

– **Local Backup Only**: The app provides export functionality to create backup files stored in the app’s private folder

– **No Cloud Backup**: No data is backed up to external servers or cloud services

– **User Responsibility**: You are solely responsible for backing up your financial data

– **Save Formats**: Data can be saved as encrypted files with user-provided passwords

– **Import Functionality**: Backup files can be imported to restore data, which replaces all existing data

– **Data Security**: Exported files remain on your device and are not transmitted to external services

## 7. International Data Transfers

The app may transmit minimal data to third-party services located outside your country:

– **Firebase Remote Config**: Data may be transferred to Google’s servers for currency update functionality

– **Google AdMob**: Advertising data may be transferred to Google’s servers when using the free version

– **App Store Services**: Payment data may be transferred to Apple/Google servers for in-app purchases

These transfers are governed by the respective third parties’ privacy policies and are necessary for app functionality. We do not control these transfers or have access to the transferred data.

## 8. Children’s Privacy

– Budget Tracker is not intended for children under 13

– We do not knowingly collect personal information from children

– Our privacy practices ensure no children’s data is at risk

– Parents should supervise children’s use of the app

## 9. Your Rights and Choices

### 9.1 Data Access and Control

– You have complete control over all data entered into the app

– You can view, modify, or delete your data at any time

– No third party can access your financial information

### 9.2 Advertising Choices

– Opt out of personalized ads through device settings

– Disable ads entirely by upgrading to premium

– Control notification permissions in device settings

### 9.3 App Permissions

You can manage app permissions through your device settings:

– Notification permissions

– Storage permissions (for backups)

– Network permissions (for ads)

## 10. Third-Party Services and Links

### 10.1 Third-Party Services

Our app may integrate with or link to third-party services:

– AdMob for advertising

– App stores for in-app purchases

– Currency exchange rate providers (data stored locally)

### 10.2 Third-Party Links

– The app may contain links to third-party websites

– We are not responsible for the privacy practices of these third parties

– We encourage you to review their privacy policies

## 11. Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time to reflect changes in our practices, technology, legal requirements, or other factors. We may update this Privacy Policy periodically to:

– Changes in our app functionality

– Updates to legal requirements and regulations

– Improvements to our privacy practices

– New features or services

– Changes in third-party services we use

**Notification of Changes:**

– Updates will be posted within the app

– The “Last Updated” date will be revised

– Significant changes may be communicated via in-app notifications

– We recommend reviewing this policy periodically

**Your Rights:**

– You can stop using the app if you do not agree with the updated policy

– Continued use of the app after changes constitutes acceptance of the updated policy

– We reserve the right to modify these terms without prior individual notice

Your continued use of the app after changes constitutes acceptance of the updated policy.

## 12. Contact Information

If you have questions about this Privacy Policy or our privacy practices:

**Budget Tracker Support**

– Email: chnbzkrthelp@gmail.com

– Support: chnbzkrthelp@gmail.com

– App Store: Search for “Budget Tracker”

We will respond to your inquiries within 30 days.

## 13. Compliance and Legal Framework

This app complies with applicable privacy laws and regulations:

### 13.1 GDPR (General Data Protection Regulation)

– As a controller, we ensure minimal data processing

– Data subject rights are fully respected

– Privacy by design principles are implemented

### 13.2 CCPA (California Consumer Privacy Act)

– No sale of personal information

– No sharing of personal information

– Right to delete is fully supported

### 13.3 App Store Guidelines

– Apple App Store Review Guidelines compliance

– Transparent permission usage

– Clear privacy disclosures

### 13.4 Google Play Policies

– Google Play Developer Program Policies compliance

– Data safety requirements met

– Transparent data practices

## 14. App Permissions and Justification

### 14.1 Android Permissions

**Network Permissions:**

– `android.permission.INTERNET`: Required for loading advertisements and Firebase Remote Config currency updates

– `android.permission.ACCESS_NETWORK_STATE`: Required to check network connectivity for ads and currency updates

**Notification Permissions:**

– `android.permission.POST_NOTIFICATIONS`: Required for budget reminders and goal notifications (Android 13+)

– `android.permission.RECEIVE_BOOT_COMPLETED`: Required to reschedule notifications after device restart

– `android.permission.SCHEDULE_EXACT_ALARM`: Required for precise notification scheduling

– `android.permission.VIBRATE`: Required for notification alerts

– `android.permission.WAKE_LOCK`: Required to ensure notifications are delivered

**Billing Permissions:**

– `com.android.vending.BILLING`: Required for in-app purchase processing through Google Play

**Storage Permissions:**

– `android.permission.READ_EXTERNAL_STORAGE`: Required for importing backup files

– `android.permission.WRITE_EXTERNAL_STORAGE`: Required for exporting backup files (API 28 and below)

– `android.permission.MANAGE_EXTERNAL_STORAGE`: Required for full backup functionality (API 30+)

### 14.2 iOS Permissions

**Required Permissions:**

– **Notifications** (`NSUserNotificationsUsageDescription`): Required for budget reminders and financial goal notifications

– **In-App Purchase**: Required for premium subscription processing

– **File Sharing** (`LSSupportsOpeningDocumentsInPlace`, `UIFileSharingEnabled`): Required for backup file access

– **Background Modes** (`UIBackgroundModes` with `fetch` and `remote-notification`): Required for notification scheduling and delivery

## 15. Data Safety (Google Play Requirements)

In accordance with Google Play’s Data Safety section requirements:

– **Data Collection**: Minimal data collected by third parties (AdMob and Firebase Remote Config) for app functionality

– **Data Sharing**: No data shared with third parties by us

– **Data Security**: Data encrypted locally using AES-256 encryption

– **Children Privacy**: App not directed at children under 13

– **Advertising**: AdMob may collect data for advertising purposes

– **Analytics**: No analytics data is collected by the app

## 16. Governing Law and Dispute Resolution

This Privacy Policy is governed by the laws of Turkey. Any disputes arising from this policy will be resolved through binding arbitration in accordance with Turkish law.

## 17. Severability

If any provision of this Privacy Policy is found to be unenforceable, the remaining provisions will remain in full force and effect.

## 18. Entire Agreement

This Privacy Policy constitutes the entire agreement between you and Budget Tracker regarding the collection and use of information.

—

**Budget Tracker is committed to protecting your privacy. Your financial data stays on your device, giving you complete control and security.**

By using Budget Tracker, you acknowledge that you have read and understood this Privacy Policy.