Privacy Policy for Smart Budget Manager

# Privacy Policy for Smart Budget Manager

**Effective Date:** 09.10.2025
**Last Updated:** 09.10.2025

## Introduction

Welcome to Smart Budget Manager ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how Smart Budget Manager collects, uses, stores, and protects your information when you use our mobile application.

**Our Privacy Philosophy:** Smart Budget Manager is designed with privacy at its core. Your financial data remains on your device and is never transmitted to external servers or third parties for processing or analysis.

## Information We Collect

### Personal Information You Provide
- **User Profile Data**: Name, preferred language (English/Turkish), and app preferences
- **Financial Goals**: Your stated financial objectives and target amounts
- **App Preferences**: Theme settings (light/dark mode), currency preferences, and notification settings

### Financial Information
- **Transaction Data**: 
  - Expense and income amounts
  - Transaction categories (food, transportation, housing, etc.)
  - Transaction descriptions and notes
  - Date and time of transactions
  - Receipt images (optional, stored locally only)
  - Recurring transaction patterns

- **Budget Information**:
  - Budget limits and categories
  - Spending thresholds and warnings
  - Budget performance data

- **Financial Goals**:
  - Goal descriptions and target amounts
  - Progress tracking data
  - Target completion dates
  - Achievement status

### Device and Usage Information
- **App Usage Data**: Feature usage patterns, onboarding completion status
- **Device Settings**: Language preference, timezone, currency locale
- **Notification Preferences**: Reminder settings for budgets and goals

## How We Store Your Information

### Local Storage Only
**Important:** All your financial data is stored locally on your device and never transmitted to external servers. We use several secure storage methods:

- **Encrypted Secure Storage**: Sensitive configuration data is stored using platform-specific encryption (iOS Keychain, Android Encrypted SharedPreferences)
- **Local Database**: Transaction data is stored in a local SQLite database on your device
- **Device File System**: Receipt images and export files are stored in your app's private directory

### No Cloud Storage
Smart Budget Manager does not use cloud storage services. Your financial data never leaves your device unless you explicitly choose to export and share it.

## Third-Party Services

We use a limited number of third-party services, and we are transparent about each:

### RevenueCat (Subscription Management)
- **Purpose**: Managing in-app purchases and premium subscriptions
- **Data Shared**: Device identifiers, subscription status, and purchase history
- **Privacy**: RevenueCat may collect analytics related to subscription usage. Please review [RevenueCat's Privacy Policy](<https://www.revenuecat.com/privacy/>)

### Device Services
- **Camera Access**: Only used when you choose to photograph receipts
- **Photo Library**: Only used when you select existing photos for receipts
- **Local Notifications**: Used for budget warnings and goal reminders (no external data transmission)

## How We Use Your Information

Your information is used exclusively for:

- **Core App Functionality**: Recording transactions, managing budgets, tracking goals
- **Personalization**: Customizing the app experience with your preferences
- **Notifications**: Sending local reminders about budgets and goals (if enabled)
- **Analytics**: Performing spending analysis and generating reports (all processed locally)
- **Data Export**: Creating PDF and CSV reports when requested

## Data Sharing and Disclosure

**We do not sell, trade, or share your personal or financial information with third parties.** The only exception is:

- **Subscription Management**: Necessary data sharing with RevenueCat for in-app purchase processing
- **User-Initiated Sharing**: When you choose to export and share reports using your device's sharing capabilities

## Your Rights and Choices

### Data Control
- **Export Your Data**: Generate comprehensive reports in PDF or CSV format containing all your financial information
- **Notification Control**: Enable or disable budget warnings and goal reminders
- **Delete Data**: Uninstalling the app removes all stored data from your device
- **Access Control**: All data remains under your direct control on your device

### Promotional Codes
If you use promotional codes for premium access:
- **Code Usage Tracking**: We track which codes have been used to prevent reuse
- **Duration Management**: Promotional access periods are managed locally
- **No External Transmission**: Promotional code usage is not reported to external services

## Security Measures

We implement several security measures to protect your information:

- **Local Encryption**: Sensitive data is encrypted using platform-specific security features
- **Secure Storage**: Critical information uses iOS Keychain and Android's encrypted storage
- **No Network Transmission**: Financial data never transmitted over networks
- **App Sandbox**: All data contained within the app's secure environment
- **Regular Security Updates**: App updates include security improvements

## Children's Privacy

Smart Budget Manager is not designed for or directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us immediately.

## Data Retention and Deletion

- **Retention Period**: Data is retained locally until you delete it or uninstall the app
- **User Control**: You have complete control over your data retention
- **Data Export**: We recommend exporting your data before uninstalling the app
- **Automatic Deletion**: Uninstalling the app automatically removes all stored data

## International Data Transfers

Since all data processing occurs locally on your device, there are no international data transfers. Your information remains in the jurisdiction where your device is located.

## Updates to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify users of significant changes through:

- **In-App Notifications**: Important privacy changes will be communicated within the app
- **App Store Updates**: Privacy-related changes will be mentioned in app update notes

## Compliance and Legal Framework

This Privacy Policy is designed to comply with applicable privacy laws, including:
- **General Data Protection Regulation (GDPR)** for European users
- **California Consumer Privacy Act (CCPA)** for California residents
- **Personal Information Protection and Electronic Documents Act (PIPEDA)** for Canadian users

## Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:

**Email**: [email protected]
**Subject Line**: Smart Budget Manager Privacy Inquiry  

**Response Time**: We aim to respond to privacy inquiries within 30 days.

## Transparency Report

**Data Breaches**: We have never experienced a data breach affecting user information.  
**Government Requests**: We have never received government requests for user data.  
**Third-Party Requests**: We do not respond to third-party requests for user data.

## Technical Details for Developers

For transparency, here are technical details about our data handling:

- **Database**: Local SQLite database with schema versioning
- **Encryption**: Platform-native secure storage (iOS Keychain, Android EncryptedSharedPreferences)
- **Permissions**: Minimal permissions required (camera and photo library are optional)
- **Network Usage**: Only for in-app purchase validation
- **Analytics**: No third-party analytics services integrated

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**Your Privacy Matters**: Smart Budget Manager is built on the principle that your financial information should remain private and secure. By keeping your data local and limiting third-party integrations, we ensure maximum privacy protection while delivering powerful financial management tools.

This Privacy Policy is effective as of 09.10.2025 and supersedes all previous versions.