Nothing to collect.

Introduction

Money Manager ("we," "our," or "the app") is a personal finance app built and published by Hastik Mangukiya. This Privacy Policy explains how your information is handled in two places: the mobile app on Android (com.hastik.money_manager) and iOS (com.hastik.money-manager), and this website at money-manager-expense.vercel.app.

The short version: the app has no accounts and no server of its own, so there is nothing for us to collect. Everything you type stays in a database on your phone. The two exceptions — two small network requests the app makes — are described in full below, because a policy that quietly omits them would not be worth reading.

Information We Collect

Data You Provide

All of the following is entered by you and stored only on your device. None of it is sent to us, because there is nowhere to send it.

• Transaction Data: Income, expenses, transfers, amounts, dates, notes, and tags you enter
• Account Information: Account names, balances, and types (Cash, Bank, Card, Savings, Wallet)
• Budgets: Budget amounts, categories, and tracking preferences
• Savings Goals: Goal names, target amounts, deadlines, and deposits
• Debts and Credits: Amounts you owe or are owed, due dates, payment history, and an optional free-text contact field. That field is text you type yourself — the app never reads your device's contacts and holds no contacts permission
• Recurring Transactions: Scheduled bills, income, and their frequencies
• Reminders: Reminder titles and descriptions you set
• Categories: Custom expense and income categories
• Attachments: Up to 5 images or PDFs per transaction — receipts you photograph or pick from your library, copied into the app's own storage
• Display Name: An optional name you choose for the app to greet you with, saved in local app preferences
• PIN and app lock: Your PIN, stored only as a SHA-256 hash (see Data Security)

Data We Never Collect or Receive

• Any account, sign-up, email address, phone number, or profile — the app has no account system at all
• Banking credentials, bank connections, or card numbers. The app never links to a bank
• Location data
• Your device's contacts, calendar, SMS messages, or call logs. There is no SMS or bank-message parsing
• An advertising identifier. The app requests none and shows no ads
• Analytics, usage statistics, crash reports, or behavioural tracking of any kind

A display name you type is the only name the app ever holds, and it never leaves your device. We do not receive it.

Network Connections

The app is offline-first: you can use every feature with no internet connection. It does make a small number of outbound requests, and they are listed here in full. None of them carries your financial data.

• Currency exchange rates. If you use more than one currency, the app fetches reference rates from api.frankfurter.dev, a free public rates API. The request contains one three-letter currency code, such as USD — no amounts, no transactions, no identifier of any kind. As with any web request, that service necessarily sees your IP address. Rates are cached on your device for 24 hours, so this happens at most once a day.
• Fonts. The app's typefaces are fetched from Google's font CDN (fonts.gstatic.com) the first time they are needed and then cached. Google receives your IP address and user agent as part of that request. The same applies when a PDF export downloads the fonts it needs to render your report.
• Rate-the-app prompts. If you choose to rate the app, the request is handed to the App Store or Google Play, which handles it entirely. The app itself transmits nothing.

Beyond these, there is nothing: no backend, no sync service, no push notification server, no analytics endpoint, no ad network. There is no account to log into and no copy of your data anywhere but your phone.

How We Store Your Data

On Your Device Only

• Your transactions, accounts, budgets, goals, debts, and reminders live in a SQLite database in the app's private storage
• Settings and preferences are kept in the platform's standard app preferences store
• Your PIN hash and app-lock settings are kept in the iOS Keychain / Android Keystore
• Attachments, backups, and error logs are files in the app's own documents directory
• Your financial data is never transmitted anywhere. It leaves your device only when you deliberately export, share, or print it

Data Security

• PIN Protection: Your PIN is never stored in plain text — only a SHA-256 hash of it is kept, in secure storage
• Secure Storage: Sensitive values use each platform's hardware-backed secure storage — the Android Keystore, and the iOS Keychain with Data Protection
• Biometric unlock: Fingerprint and Touch ID are handled entirely by the operating system. Your biometric data is never seen by the app and never leaves your device
• Screen protection: While the app is locked or in the app switcher, its contents are hidden — FLAG_SECURE on Android and a blur overlay on iOS — so balances do not appear in screenshots or task previews
• No automatic cloud backup: The Android app sets allowBackup=false, so your data is not swept into Google's automatic app-backup service
• No third-party access: No analytics, advertising, or crash-reporting service has access to your data, because none is integrated

One honest limitation, so you can make your own call: the app relies on your device's own encryption rather than encrypting its database separately, and backup files you create are plain, unencrypted JSON. Anyone who can read an unlocked device or gets hold of an exported backup file can read what is in it. Keep a device passcode on, and treat backup files like you would a bank statement.

How We Use Your Data

Your data is used ONLY, on your device, for:

• Displaying your financial transactions and balances
• Calculating budgets and tracking spending
• Generating reports and charts on your device
• Managing recurring transactions, debts, and credits
• Tracking savings goals
• Attaching receipts to your transactions
• Showing you local reminders for bills and budget alerts

We do NOT:

• Share your data with anyone
• Sell your data
• Use your data for advertising
• Track your behaviour, in the app or across apps
• Send your financial data to any server

Data Backup and Export

Local Backups

• You can create a backup at any time; it is written to your device, and you choose where any copy goes
• A backup contains everything — transactions, accounts, budgets, goals, reminders, debts, settings, and your attachments embedded inside the file
• Backup files are unencrypted JSON. That is what makes them portable and readable by you, but it also means anyone who obtains the file can read it. Store and share them accordingly

Data Export

• You can export your data as PDF, CSV, Excel, or an HTML dashboard
• Exported files are handed to your device's own share sheet or save dialog — where they go from there is entirely your choice
• No data is sent to us during a backup, an export, or a print

Error Logs

When something goes wrong, the app writes a diagnostic log to a file on your device so you can report the problem if you want to. These logs are rotated automatically — deleted after 30 days, and capped in size — and are never transmitted. There is no crash reporting service. If you ever choose to send us a log, that is a file you attach yourself.

Permissions

The app asks for as little as it can. This is the complete list of what it declares.

Android

• Internet: For the exchange-rate and font requests described under Network Connections. Nothing else
• Notifications: To show bill reminders and budget alerts (optional)
• Exact alarms: So a reminder arrives at the time you set rather than whenever the system gets round to it
• Run after restart: To re-arm your scheduled reminders when the phone reboots
• Biometrics: For fingerprint or face unlock (optional)

There is deliberately no storage, camera, contacts, location, SMS, or advertising-ID permission. Choosing a receipt photo or a backup file goes through the system picker, which hands the app one file you selected and nothing else.

iOS

• Touch ID: "We use Touch ID to secure your financial data."
• Photo Library: "We use your photo library when you choose files for backup import or sharing exported reports."
• Camera: "We use your camera to let you take photos of receipts and attach them to transactions."

Each is requested only at the moment you use the feature, and each is optional. The app does not ask for App Tracking Transparency permission, because it does not track you.

Third-Party Services

The app does not use:

• Analytics services (Google Analytics, Firebase Analytics, or any other)
• Advertising networks — the app contains no ad SDK and shows no ads
• Crash-reporting services (Crashlytics, Sentry, or similar)
• Cloud storage or sync services
• Social media integration
• Payment processors — there are no in-app purchases and no subscriptions

The only third parties the app contacts at all are the exchange-rate API and Google's font CDN, both described under Network Connections, plus the App Store or Play Store if you choose to leave a rating.

This Website

This site — money-manager-expense.vercel.app — has no accounts and no sign-up, sets no analytics cookies, and runs no analytics or tracking scripts. The free calculators run entirely in your browser; the numbers you type into them are never sent to a server and are gone when you close the tab.

One exception, and it is worth being direct about it: the tools and blog sections show Google AdSense ads. Where those ads appear:

• Google, as a third-party vendor, uses cookies to serve ads on those pages, and may use the DoubleClick cookie to serve ads based on your prior visits to this and other sites
• Google's use of advertising cookies lets it and its partners serve ads to you based on your visit to this site and other sites on the internet
• Ads appear only under /tools and /blog. There are none on the home page, this page, or the terms page
• You can opt out of personalised advertising at Google Ads Settings, or opt out of third-party vendors' use of cookies at aboutads.info

This is a property of the website only. The mobile app contains no ads and no ad SDK whatsoever, and nothing you enter in the app is connected to anything you do on this site.

Your Rights

You have complete control over your data:

• Access: View all your data anytime in the app
• Modify: Edit or delete any transaction, account, budget, or goal
• Export: Take your data out in portable formats at any time
• Backup: Create a full backup whenever you want
• Delete: Erase everything from within the app, or by uninstalling

Rights such as those under the GDPR or CCPA to request access to, correction of, or deletion of data held about you are satisfied here by design: we hold no data about you to access, correct, or delete. Everything is already in your hands, on your device.

Data Retention

• Data stays on your device until you delete it
• Uninstalling the app removes all of it from your device
• We retain nothing, because we collect nothing

Data Deletion

To delete all your data:

• Open Settings → Delete All Data in the app. This wipes every transaction, account, budget, goal, debt, and attachment, and cannot be undone. The app then starts fresh with a single default Cash account
• Or uninstall the app (Android: long-press the app → Uninstall; iOS: long-press the app → Remove App → Delete App)

Either method permanently removes your financial data. Backups or exports you saved elsewhere are yours to delete separately — the app cannot reach them.

Children's Privacy

Money Manager is suitable for all ages. Because no personal information is collected and everything is stored locally, there are no special privacy concerns for children. We do not knowingly collect data from anyone, of any age. Parental guidance is still recommended for financial management.

Changes to This Policy

We may update this Privacy Policy occasionally — for instance if the app starts making a network request it does not make today. Changes are published on this page with a new "last updated" date, and the app links here directly. Continued use of the app after changes constitutes acceptance of the new policy.

Contact Us

Questions about this Privacy Policy, or anything in it you think is inaccurate: contacthastik@gmail.com

See also our Terms of Use.

Compliance

• Complies with Google Play and Apple App Store policies
• Ships an iOS privacy manifest declaring no tracking and zero collected data types, which is what backs the app's "Data Not Collected" App Store privacy label
• Does not use App Tracking Transparency, because it does not track across apps or websites
• Follows privacy-by-design principles: the app cannot leak what it never gathers

Summary