Privacy Policy

Effective Date: August 7, 2025

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

1. Information We Collect

We may collect the following types of information:

• Personal Information: When you register or use the App, we may collect personal information such as your name, email address, and any other information you voluntarily provide.
• Financial Information: The App allows you to input and track expense-related data, such as transaction amounts, categories, and notes. This information is stored locally on your device or in your account if you choose to sync data with our servers.
• Usage Data: We may collect information about how you interact with the App, such as features used, time spent, and preferences.

2. How We Use Your Information

We use the collected information to:

• Provide, operate, and maintain the App.
• Personalize your experience and provide tailored features, such as expense tracking and budgeting tools.
• Improve the App by analyzing usage patterns and fixing bugs.
• Send you updates, notifications, or promotional materials (if you opt-in).
• Ensure the security of your data and prevent unauthorized access.

3. How We Share Your Information

We do not sell, trade, or otherwise transfer your personal information to third parties except in the following cases:

• Service Providers: We may share your information with trusted third-party service providers who assist us in operating the App, such as cloud storage or analytics providers, under strict confidentiality agreements.
• Legal Requirements: We may disclose your information if required by law or in response to valid requests by public authorities.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

4. Data Storage and Security

We implement reasonable security measures to protect your information from unauthorized access, alteration, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Your financial data is stored locally on your device by default. If you choose to sync your data with our servers, it will be encrypted during transmission and storage.

5. Your Choices

You have the following rights regarding your information:

• Access and Update: You can access and update your personal information through the App’s settings.
• Opt-Out: You can opt-out of receiving promotional communications by following the unsubscribe instructions in those messages.
• Delete Data: You can request the deletion of your account and associated data by contacting us at erp.credence@gmail.com.

6. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the effective date. Your continued use of the App after such changes constitutes your acceptance of the updated policy.

7. Contact Us

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

Email: erp.credence@gmail.com