Privacy Policy

1. Overview

Personal Account is a budget and account management app. Your core financial records are stored locally on your device. We do not sell your personal information.

Transaction records are not uploaded to the Premium access server. A copy leaves your device only when you choose a backup option, such as Google Drive backup or exporting a local backup file.

2. Information handled by the app

The app may handle the following information:

• Local financial records: transactions, balances, account heads, subcategories, transaction labels, payment modes, notes, and files you attach or back up.
• App preferences: settings such as backup schedule, Premium entitlement cache, and whether password or biometric unlock is enabled.
• App lock data: a salted password hash stored locally on your device. The app does not store your readable password.
• Email verification: your Google account email when you choose to verify your identity for Premium access or app-lock features.
• Premium account data: your name, verified email, requested plan, current plan, account status, and Premium expiry date when you register or synchronize Premium access.
• Push notification token: an Android device token associated with your verified email so the admin panel can send Premium activation and app notifications.
• Analytics data: app usage and technical information collected through Firebase Analytics to understand app performance and usage.

3. How information is used

• To provide budgeting, ledger, reporting, and backup features.
• To verify your email and synchronize Premium access.
• To send relevant notifications, including Premium activation.
• To support optional password and biometric app unlock.
• To diagnose issues and improve app performance and usability.

4. Third-party services

Personal Account uses optional or supporting services provided by Google. Their handling of information is governed by their own privacy policies.

• Google Sign-In: used when you choose email verification or connect Google Drive.
• Google Drive: used only when you enable or run Drive backup and restore. Backup files are stored in your Google Drive account.
• Firebase Analytics: used for app analytics.
• Firebase Cloud Messaging: used to deliver push notifications to your Android device.

Review the Google Privacy Policy for more information.

5. Biometrics

If you enable fingerprint or biometric unlock, authentication is performed by your device operating system. Personal Account receives only the success or failure result. The app does not receive, store, or transmit your fingerprint or biometric template.

6. Storage, retention, and security

Local records remain on your device until you edit them, delete them, reset the local database, uninstall the app, or restore another backup. Premium account and notification-token records are retained while needed to provide Premium and notification services.

We use reasonable safeguards, including local password hashing and restricted admin access. No storage or transmission system can be guaranteed to be completely secure.

7. Your choices

• You can use core local record features without Google Drive backup.
• You can keep automatic Google Drive backup turned off.
• You can disable notifications through Android settings.
• You can disable password and biometric unlock inside the app.
• You can remove local records by resetting the database or uninstalling the app.
• You can contact support to request assistance with Premium account information.

8. Children's privacy

Personal Account is not directed to children under 13. We do not knowingly collect personal information from children under 13.

9. Policy updates

This policy may be updated when app features or legal requirements change. The effective date at the top of this page identifies the current version.

10. Contact

For privacy questions or requests relating to Premium account information, contact Personal Account support through WhatsApp.