PRIVACY POLICY
Last updated: March 28, 2026

1. INTRODUCTION
   Finance Manager ("we", "our", "us") respects your privacy. This Privacy Policy explains how the Finance Manager mobile application (the "App") handles information when you use it.

The App is a local-first personal finance tool. Your finance records are primarily stored on your own device instead of being synced to our servers in normal app usage.

2. WHAT THE APP DOES
   The current App lets you:

- Track expenses and other transactions
- Track income entries
- Create and review budgets
- Create custom spending categories
- View in-app analytics and charts
- Export CSV files
- Create and restore JSON backups
- Enable an optional local PIN-based app lock
- Use an optional "Remove Ads" monthly subscription through Google Play

3. INFORMATION YOU PROVIDE
   When you use the App, you may enter or generate:

- Transaction records, descriptions, notes, amounts, dates, categories, and payment methods
- Income records, notes, amounts, dates, sources, and recurring flags
- Budget records and category configuration
- Backup and export files you choose to generate
- Optional local PIN code for app lock

4. HOW YOUR DATA IS STORED
   4.1 Local finance data
   Finance records, budgets, categories, recurring-related records, user profile details used by the app, and app preferences are primarily stored locally on your device using on-device storage such as Hive and SharedPreferences.

4.2 Local app lock
If you enable app lock, your PIN is stored only in hashed form on the device. We do not receive your raw PIN.

4.3 Backup and export files
When you create a backup or CSV export, files are generated on-device. If you share them using another app or service, their handling is then controlled by that third party.

5. SUBSCRIPTION AND BILLING DATA
   The App offers an optional "Remove Ads" subscription, currently presented as ₹49/month through Google Play.

To support that subscription:

- Google Play handles payment processing
- RevenueCat is used to validate and sync subscription entitlement status
- The App may receive subscription status information such as whether the entitlement is active
- The App may send or receive identifiers needed to restore purchases and determine whether ads should be shown

We do not directly collect or store your full payment card details in the App.

Subscription status is not stored in local backups as a source of truth. It is intended to be rechecked through the billing/subscription provider.

6. ADVERTISING
   Unless you have an active Remove Ads subscription, the App may display banner, interstitial, and rewarded ads.

Google AdMob may process device identifiers, advertising identifiers, IP-related data, usage signals, and similar technical data in order to provide, measure, and protect ad services.

If you subscribe to Remove Ads, ad loading and ad display are suppressed while the subscription entitlement remains active. If the subscription expires, is cancelled, is refunded, or otherwise becomes inactive, ads may return.

7. THIRD-PARTY SERVICES
   The App may use or rely on third-party services including:

- Google AdMob for advertising
- Google Play for billing and subscription management
- RevenueCat for subscription state handling and restoration
- Firebase Crashlytics for crash reporting when configured
- File picker and OS-level file access for import/export actions
- Share integrations when you choose to share exported files

These providers operate under their own terms and privacy policies.

Google Privacy Policy: https://policies.google.com/privacy
Google Play Terms: https://play.google.com/intl/en_in/about/play-terms/
RevenueCat Privacy Policy: https://www.revenuecat.com/privacy

8. CRASH REPORTING AND DIAGNOSTICS
   If Firebase Crashlytics is configured in your build, the App may send crash and diagnostic information to help improve app stability. In local or debug-style setups, crash reporting may be unavailable or disabled.

9. PERMISSIONS AND DEVICE ACCESS
   Depending on platform and OS version, the App may request or use permissions/features such as:

- Internet access
- Google Play billing access
- File and storage access where needed for backup or restore workflows on supported devices

Permissions are used only for relevant app features.

10. DATA RETENTION
    Because the App is local-first, most finance data remains on your device until you delete it, uninstall the App, clear app data, or overwrite it through a restore/import action.

Third-party providers may retain technical, billing, or diagnostic data according to their own policies.

11. YOUR CHOICES
    You can:

- Edit or delete records in the App
- Create backups before making changes
- Export your data
- Enable or disable app lock
- Subscribe to Remove Ads
- Restore purchases on a new device or reinstall
- Manage or cancel the Remove Ads subscription through Google Play
- Uninstall the App and remove local data from your device

12. CHILDREN'S PRIVACY
    The App is not intended for children under 13, or the equivalent minimum age in your jurisdiction. We do not knowingly collect personal data from children.

13. SECURITY
    We use reasonable measures within the App, such as local storage controls and optional hashed PIN protection. However, no method of storage, transmission, or device security is completely secure.

14. INTERNATIONAL PROCESSING
    If third-party providers process diagnostics, ad data, or subscription/billing information, that processing may occur in countries other than your own under those providers' terms.

15. CHANGES TO THIS POLICY
    We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date shown above.

16. CONTACT
    For privacy questions, contact:
    mohammadhusenz789@gmail.com