Privacy Policy

1. Information We Collect

We collect certain information from you to deliver and improve the App's features:

A. Account Information (Required)

When you sign up for an account, we collect:

• Name – used to personalize your experience.
• Email Address – used for login, account verification, password recovery, and communication.
• Password – stored securely using encryption (we never store plain text passwords).

When you sign in, we require only your email and password.

B. Family / Shared Accounts

If you use the Family Feature, the primary account holder can invite other members by entering their email addresses.

• Invited members will receive login details (email + temporary password).
• Shared financial data (expenses, reports, statistics) will be visible to all connected members.

C. Device Permissions

To function properly, the App may request access to:

D. Usage Data

We may collect limited, anonymous analytics data such as:

• Crash reports
• Frequency of feature use
• Device type and OS version

This helps us improve performance and reliability.

2. How We Use Your Information

We use your information to:

• Authenticate and secure your account.
• Enable expense tracking and reporting.
• Allow photo/screenshot-based expense entry.
• Provide family/roommate expense sharing.
• Generate and export financial reports.
• Provide customer support, if requested.
• Improve App functionality, security, and performance.

We do not sell your personal information to third parties.

3. How We Store and Protect Your Information

• Sensitive information (e.g., passwords, financial data) is encrypted in transit and at rest.
• Cloud storage is used for account and transaction syncing across devices.
• We implement security best practices to prevent unauthorized access.
• You are responsible for keeping your login credentials safe.

4. Data Retention

• We retain your data as long as your account is active.
• You may request deletion of your account and associated data at any time.
• Family/roommate data remains visible to other members until the account is deleted or removed from the group.

5. Sharing of Information

We do not share your personal data with:

• Advertisers
• Data brokers
• Third-party marketing companies

We may share information only:

• With connected family/roommate accounts (if you enable the feature).
• With trusted service providers (e.g., hosting and cloud storage) who support the App.
• If required by law or legal process.
• With your explicit consent (e.g., exporting data to another service).

6. Your Rights and Choices

You have the right to:

• Access the information we hold about you.
• Request correction of inaccurate data.
• Request deletion of your account and data.
• Withdraw consent at any time.

You can manage permissions via your device settings or contact us directly.

7. Children's Privacy

Spend Smart: Expense Tracker is rated suitable for all age groups (similar to ESRB Everyone, PEGI 3, USK 0, IARC 3+). While the App contains no harmful or inappropriate content, it is designed for general use and is intended for users aged 13 and older.

We do not knowingly collect personal information from children under 13. If you are under 13, please do not use the App or provide any personal data. If we become aware that we have collected information from a child under 13 without parental consent, we will delete it promptly.

8. Updates to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be communicated via the App or our website with an updated Effective Date.

9. Contact Us

If you have any questions, concerns, or requests regarding your privacy, you may contact us at: