Privacy Policy - Personal Smart Spend

Effective Date: July 26, 2026
Last Updated: August 27, 2026

This Privacy Policy describes how Personal Smart Spend (the "App", "we", "our", or "us") handles information when you use the Android application Personal Smart Spend (package: com.personalsmartspend.app) and our official privacy policy page.

Personal Smart Spend is a local-first personal finance app. Your financial records are intended to stay on your device unless you choose to back them up, export them, or share them.

Summary
  • Your financial records (transactions, budgets, goals, categories, notes, etc.) are stored locally on your device.
  • We do not upload your financial records to our servers.
  • The Smart Money Thought card selects one bundled entry using only the device-local calendar date. It does not use or transmit your financial records and does not require location or timezone permission.
  • If you choose Google Drive backup, the App uploads a profile-specific backup file directly to the Google account you select. You may also enable a once-daily backup for each active profile when the App opens or that profile is selected.
  • The App may use third-party services such as Google AdMob, Firebase Analytics, Firebase Crashlytics, and Google Play billing, depending on your settings and consent choices.
  • Premium subscriptions can remove ads and unlock premium features.
  • You can manage privacy and consent choices inside the App under Settings > Privacy & Consent.

1. Scope

This Privacy Policy applies to the Personal Smart Spend Android application, the in-app privacy sheet and related privacy settings, and our official hosted privacy policy page.

2. Information We Collect

A. Financial and app data you enter (stored locally on your device)

This may include:

We do not collect or store this financial data on our servers.

B. Limited technical and usage data (via third-party SDKs/services)

Depending on your settings, consent choices, device configuration, and applicable law, third-party services used by the App may collect limited information such as:

This data does not include the financial records you enter into the App.

C. Support communications

If you contact us by email, we may receive:

3. How We Use Information

We use information to:

We do not use your financial records for advertising targeting.

4. Local-First Data Handling

Personal Smart Spend is designed so that your financial records remain on your device by default.

The App may create or manage local files when you use features like:

If the active profile has a profile photo, a backup may include a resized, metadata-stripped JPEG copy of that photo. The photo remains inside the backup file and is restored to app storage on the destination device.

If you connect Google Drive, the App requests the limited drive.file permission and can access only Drive files created by Personal Smart Spend. It creates a visible Personal Smart Spend Backups folder in the selected Google account and maintains a separate latest backup for each profile you back up. Manual backup runs when you request it. Daily automatic backup runs at most once per local calendar day for each active profile when the App opens, resumes, or that profile is selected, and only after you explicitly enable it.

The App processes the selected Google account name/email to show which account is connected and to authorize your chosen Drive operations. Google handles account sign-in and Drive storage under its own terms and privacy policy. The backup is transferred directly between the App and your Google Drive; it is not uploaded to our servers.

You may choose passphrase encryption for manual and automatic Drive backups. When you encrypt automatic backups, the App stores that passphrase in platform secure storage on the device so it can create the next backup. You must remember the passphrase to restore the encrypted backup on another device. Signing out disables automatic backup and removes the locally stored automatic-backup passphrase, but it does not delete a backup already stored in your Drive.

If you export or share files, those files may be stored or transmitted by the apps/services you choose (for example email, cloud storage, messaging apps). Their privacy policies will apply.

5. Ads, Analytics, and Crash Reporting

The App may use third-party SDKs/services, including:

Consent and controls

Where required by law (for example GDPR/EEA/UK or certain U.S. state privacy frameworks), the App may show a consent form and privacy options for advertising.

You can manage privacy controls in the App, including analytics/performance collection, crash reporting, ad personalization preferences, and ad consent review/refresh (where supported).

6. Premium Features and Payments

Personal Smart Spend may offer Premium subscriptions, such as 1 month, 3 months, and 1 year plans, through Google Play.

Payments are processed by Google Play. We do not collect or store your payment card details.

For Android, the App asks Google Play for subscriptions owned by the currently signed-in purchasing account. It validates the signed purchase data locally using the app's Google Play licensing public key and acknowledges verified purchases through Google Play billing when required. The App does not send the purchase token or signed purchase JSON to a developer-operated billing server, and it does not use Firebase Functions for billing verification.

The App may locally store limited entitlement metadata and the signed Google Play purchase proof. An editable Premium flag does not independently grant access: the proof must have a valid Google Play signature. Premium may remain available offline for up to seven days after the last successful Google Play refresh. The App must then reconnect to Google Play; an online response that no longer returns the subscription removes Premium access.

7. Permissions and Device Access

The App may request access to certain device features/permissions to provide features you choose to use, such as:

Permissions may vary by Android version and device.

8. Data Sharing and Disclosure

We do not sell your financial records.

We may share limited technical/usage data with third-party service providers and partners only as needed to support:

These providers process data under their own privacy policies and terms.

9. Data Retention

Local app data

Your local financial and app data remains on your device until you delete it in the App, reset a profile, uninstall the App, or replace it using backup/restore features.

Third-party telemetry/ads data

Retention of technical/usage data collected by third-party services is governed by their policies.

Exported/shared files

Files you export or share are retained wherever you save/share them, subject to the policies of those services and your own actions.

Google Drive backups

Google Drive backups remain in the selected Google account until you replace or delete them. Signing out of the App does not delete the Drive file.

10. Security

We use reasonable safeguards to protect data and app functionality, including features such as local-only data storage for financial records, optional app lock/device authentication integration, and optional encrypted backups (where enabled).

No method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security.

11. Smart Insights and Smart Money Thought

The App may generate Smart Insights from financial records already stored on your device. Smart Insights provide in-app guidance and do not replace professional financial, legal, tax, accounting, or investment advice.

The Smart Money Thought card displays one short motivational reminder from a fixed catalog of 365 entries bundled with the App. The entry is selected using the local calendar date reported by your device. Selection runs on-device, does not read your financial records, does not request location or timezone permission, and is not sent to us.

The thought catalog was created specifically for this App and is presented without attribution to a named author, brand, public figure, or organization. We do not intentionally present third-party quotations or imply third-party endorsement. If you believe an entry raises an intellectual-property or other rights concern, contact help.personalsmartspend@gmail.com so it can be reviewed.

Smart Money Thought and Smart Insights provide general motivational and educational information only. They are not personalized financial, investment, legal, tax, or accounting advice; an offer or solicitation; or a promise or guarantee of any result. They do not recommend a specific security, investment product, lender, purchase, return, or outcome. You remain responsible for your decisions and should consider your own circumstances and consult an appropriately qualified professional when needed.

12. International Data Processing

If you use the App outside your home country, third-party services (such as ad/analytics/crash providers) may process limited technical/usage data in other countries under their own privacy practices.

Your financial records entered in the App are intended to remain local on your device unless you choose to export/share them or enable Google Drive backup.

13. Children's Privacy

Personal Smart Spend is not directed to children under 13 (or the minimum age required by applicable law in your jurisdiction). We do not knowingly collect personal information from children through our own servers.

If you believe a child has provided personal information to us via support email, contact us and we will review and delete it where appropriate.

14. Your Choices and Rights

Depending on your location, you may have rights regarding personal information (for example access, deletion, correction, or consent withdrawal).

In Personal Smart Spend, you can generally:

For privacy questions or requests related to support emails or this policy, contact us using the email below.

15. Third-Party Services

The App may rely on third-party services, including Google services. Their handling of data is governed by their own privacy policies.

Common references:

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

When we update it, we will:

17. Contact Us

If you have questions about this Privacy Policy or privacy practices, contact us at:

Email: help.personalsmartspend@gmail.com

This page is intended for Google Play privacy policy disclosure and general app privacy information.