Privacy Policy for Expense Tracker

Last updated: August 10, 2024

Introduction

Welcome to Expense Tracker ("we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application (the "App"). Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the application.

Information We Collect

Information You Provide Directly

1. Google Account Information
   • Email address (used for Gmail integration)
   • Basic profile information (name)
   • Gmail read-only access for expense detection
2. Financial Information
   • Expense descriptions
   • Transaction amounts
   • Expense categories
   • Transaction dates
3. API Keys
   • OpenAI API key (stored locally on device only)
   • Never transmitted to our servers (we don't have any)

Information Collected Automatically

1. Device Information
   • Device type and model
   • Operating system version
   • App version
2. Usage Information
   • Features used
   • Sync frequency
   • Error logs (stored locally)
   • No analytics or tracking services are used

How We Use Your Information

We use the information we collect to:

1. Provide Core Functionality
   • Scan Gmail for expense-related emails
   • Categorize expenses using AI
   • Track and display expense history
   • Generate expense reports
2. Improve Our Services
   • Fix bugs and improve performance
   • Develop new features

Data Storage and Security

Local Storage

• All expense data is stored locally on your device
• We do not maintain servers or cloud storage for your expense data
• Your OpenAI API key is stored securely in encrypted preferences

Gmail Access

• We use read-only access to Gmail (gmail.readonly scope)
• We only scan for expense-related emails
• Email content is processed locally and not transmitted to any servers
• Gmail access tokens are managed by Google's secure OAuth system
• We cannot modify, delete, or send emails on your behalf
• You can change connected Gmail account anytime

Third-Party Services

1. Google Gmail API
   • Used to read emails for expense detection
   • Governed by Google's Privacy Policy
2. OpenAI API
   • Used to categorize expenses using AI
   • Only transaction descriptions are sent to OpenAI
   • No personal identifiable information is sent
   • You must provide your own API key
   • Processing only occurs during manual sync
   • Governed by OpenAI's Privacy Policy

Data Sharing and Disclosure

We do not:

• Sell, trade, or rent your personal information
• Share your data with third parties for marketing purposes
• Store your data on external servers

We may share information only in these circumstances:

• With your explicit consent
• To comply with legal obligations
• To protect our rights or safety

Your Rights and Choices

You have the right to:

1. Access and Portability
   • Export your expense data at any time through the app
   • Data exported in standard CSV format
2. Deletion
   • Delete all app data through the Settings menu
   • Uninstall the app to remove all local data
   • Deletion is immediate and permanent
3. Control Gmail Access
   • Revoke Gmail access at any time through Google Account settings
   • Disconnect Gmail integration through the app
   • Change connected Gmail account anytime
4. Manage API Keys
   • Update or remove your OpenAI API key at any time
   • Use the app without AI features if preferred
5. Data Processing Control
   • Choose manual sync instead of automatic background sync
   • Select specific months to process
   • Skip AI categorization by not providing OpenAI key

Children's Privacy

Our app is not intended for children under 13 years of age. As per Indian regulations for financial applications, we do not knowingly collect personal information from minors.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by updating the "Last updated" date at the top of this Privacy Policy.

Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at:

Email: mayank@primakor.com

Developer: Primakor Ventures Pvt. Ltd.

Permissions Used

The app requires the following permissions:

• Internet Access: For Gmail API and OpenAI API communication
• Google Account Access: For Gmail integration
• Notification Permission: For expense detection notifications (optional)
• Storage Access: For exporting expense reports to CSV files

India-Specific Privacy Provisions

Compliance with Indian Laws

This Privacy Policy complies with:

• Information Technology Act, 2000
• Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 ("SPDI Rules")
• Personal Data Protection Bill provisions (when enacted)

Sensitive Personal Data or Information (SPDI)

Under Indian law, financial information is considered SPDI. We handle your expense data with appropriate security measures:

• Encrypted storage on device
• No transmission to external servers
• Access protected by device authentication
• Immediate deletion upon request

Consent

By using the App, you provide explicit consent for:

• Reading Gmail emails for expense detection
• Local storage of financial transaction data
• Optional AI processing of transaction descriptions

You may withdraw consent at any time by disconnecting Gmail or deleting app data.

Grievance Redressal

For privacy concerns, Indian users can contact our Grievance Officer: Email: mayank@primakor.com

Response Time: Within 48 hours of receipt

Data Retention

• Data is retained only as long as you use the App
• No data retention after app uninstall
• Export your data anytime before deletion

Your Rights Under Indian Law

Indian users specifically have the right to:

• Access personal data collected
• Correct inaccurate data
• Withdraw consent
• Lodge complaints with authorities

By using Expense Tracker, you agree to this Privacy Policy.