Expense Tracker – Manage Your Finances Smartly
100% Offline · No Data Collection · No Ads
Effective Date: 16 April 2026 · Last Updated: 16 April 2026 · Version: 1.0 · App: Expense Tracker v1.0.0
Your Data Never Leaves Your Device – Unless You Choose to Share It
All financial data you enter is stored exclusively on your device using local storage. Rishvi Ltd does not collect, transmit, store, or have access to any of your personal or financial information. There are no servers, no accounts, and no automatic cloud sync of any kind.
The App includes a “Share Backup” feature that opens your device’s standard share sheet – the same one used when you share a photo. You decide where to send the backup file (e.g., your own Google Drive, email, or another app). Rishvi Ltd is not involved in that process and has no access to any service you choose.
1 Introduction & Who We Are
This Privacy Policy describes how Rishvi Ltd (“we”, “us”, “our”) handles information in connection with the Expense Tracker mobile application (“App”, “Service”) available on the Google Play Store.
Rishvi Ltd is a company that provides solutions to improve productivity and efficiency for businesses and individuals. We are committed to protecting your privacy and being fully transparent about our data practices.
By downloading or using the App, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with any part of this policy, please do not use the App.
Data Controller
Rishvi Ltd
Website: www.rishvi.co.uk
Email: support@rishvi.co.uk
2 Privacy at a Glance
| Question | Answer |
|---|---|
| Do you collect personal data? | ✅ No |
| Do you store data on your servers? | ✅ No |
| Do you share data with third parties? | ✅ No |
| Do you show advertisements? | ✅ No |
| Do you use analytics or tracking? | ✅ No |
| Do you require an account or login? | ✅ No |
| Does the App work offline? | ✅ Yes, fully offline |
| Can I delete all my data? | ✅ Yes, at any time |
| Is my backup data encrypted? | ✅ Yes, AES-256 |
| Does the App sync to Google Drive? | The App does not sync to Google Drive. The “Share Backup” feature opens your device’s share sheet — you choose where to send the file. Rishvi Ltd has no connection to Google Drive. |
| Does Rishvi Ltd have access to my Google Drive? | ✅ No – never |
3 Data We Do Not Collect
We want to be absolutely clear. The following data is never collected, transmitted, or accessed by Rishvi Ltd:
- Your name, email address, phone number, or any personal identifiers
- Your financial transactions, amounts, categories, or notes
- Your device’s unique identifiers (IMEI, advertising ID, etc.)
- Your location or GPS data
- Your contacts, calendar, or camera data
- Usage analytics, crash reports, or behavioural data
- IP addresses or network information
- Any data for advertising or marketing purposes
The App does not contain any analytics SDK (such as Firebase Analytics, Google Analytics, Mixpanel, or Amplitude), crash reporting tools (such as Sentry or Crashlytics), or advertising networks of any kind.
4 Data Stored Locally on Your Device
All data you enter into the App is stored exclusively on your device using a local SQLite database and device key-value storage. This data is never transmitted anywhere.
4.1 Financial Data (SQLite Database)
| Data Field | Purpose | Storage |
|---|---|---|
| Transaction title | Identify the transaction | Local device only |
| Transaction amount | Track income/expenses | Local device only |
| Category | Organise transactions | Local device only |
| Transaction type (income/expense) | Balance calculation | Local device only |
| Date | Timeline and reports | Local device only |
| Notes (optional) | Additional context | Local device only |
| Recurring transaction rules | Automate regular entries | Local device only |
| Monthly budget amounts | Budget tracking | Local device only |
| Custom categories | Personalisation | Local device only |
4.2 App Preferences (Device Key-Value Storage)
| Preference | Purpose |
|---|---|
| Dark/Light theme setting | Display preference |
| Language preference (English/Hindi) | Localisation |
| Daily reminder time | Notification scheduling |
| Budget alert toggle | Notification preference |
| Opening balance per month | Balance carry-forward |
| Notification onboarding status | One-time setup tracking |
All preferences are stored locally and are never transmitted to any server.
5 App Permissions Explained
The App requests the following device permissions. Each permission is used solely for the stated purpose and for no other reason.
| Permission | Why It Is Needed | Data Sent Externally? |
|---|---|---|
POST_NOTIFICATIONS |
Display daily reminders and budget alerts on your device | ✅ No |
SCHEDULE_EXACT_ALARM / USE_EXACT_ALARM |
Schedule notifications at the precise time you set | ✅ No |
RECEIVE_BOOT_COMPLETED |
Reschedule your notifications after the device restarts | ✅ No |
VIBRATE |
Haptic feedback when a notification arrives | ✅ No |
WAKE_LOCK |
Briefly keep the processor awake during backup/restore operations | ✅ No |
REQUEST_IGNORE_BATTERY_OPTIMIZATIONS |
Ensure notifications fire reliably on devices with aggressive battery management | ✅ No |
WRITE_EXTERNAL_STORAGE (Android ≤ 9 only) |
Save backup files to your Downloads folder | ✅ No |
READ_EXTERNAL_STORAGE (Android ≤ 10 only) |
Read backup files you select for restore | ✅ No |
INTERNET |
Declared in manifest but not actively used. No network requests are made by the App. | ✅ No |
You may deny optional permissions (such as notifications) and the core functionality of the App (transaction tracking, budgets, reports) will continue to work normally.
6 Backup, Export & Data Portability
The App provides tools to back up and restore your data entirely under your control:
6.1 Share Backup (via Device Share Sheet)
When you tap “Share Backup”, the App creates an AES-256-CBC encrypted backup file (.etbak) on your device and opens your device’s native operating system share sheet. This is the same standard share dialog used by all Android apps (e.g., when you share a photo).
From the share sheet, you choose where to send the file — for example, saving it to your own Google Drive, sending it via email, or storing it in another app. Rishvi Ltd does not initiate, control, or have any access to this process. We never receive the backup file, and we have no connection to Google Drive or any other service you choose.
If you choose to save the backup to Google Drive, that action is governed entirely by Google’s own Privacy Policy. The file stored in your Google Drive belongs to you and is managed by your Google account. Rishvi Ltd has no access to your Google Drive, cannot read the file, and is not a party to any agreement between you and Google.
6.2 Save to Device (Downloads Folder)
The “Save to Downloads” option saves the encrypted backup file directly to your device’s local Downloads folder. The file never leaves your device through this option. No internet connection is used.
6.3 Import / Restore
To restore data, you select a previously saved .etbak file from your device using the standard file picker. The App reads the file locally, decrypts it, and restores your data. This process is entirely local — no data is sent to any server.
6.4 PDF Reports
Monthly financial reports are generated entirely on your device. You can save them locally or share them via the OS share sheet. Rishvi Ltd does not receive these reports.
6.5 Important Notice on Third-Party Services
When you use the share sheet to send a backup or PDF to a third-party service (such as Google Drive, WhatsApp, email, or any other app), that service’s own privacy policy governs how they handle the file. Rishvi Ltd is not responsible for the data practices of any third-party service you choose to use. We recommend reviewing the privacy policy of any service before storing sensitive financial data with them.
7 Notifications
The App can send you two types of local notifications:
- Daily Reminder: A reminder at a time you choose to log your daily expenses. This notification is generated entirely on your device.
- Budget Alerts: Notifications when your spending reaches 80% or 100% of your monthly budget. These are calculated and triggered locally.
All notifications are local notifications — they are scheduled and displayed by your device without any server communication. No notification content or delivery data is sent to Rishvi Ltd or any third party.
You can disable notifications at any time in the App settings or in your device’s notification settings.
8 Third-Party Services & Libraries
The App uses open-source libraries to provide its functionality. None of these libraries collect, transmit, or share your data. All processing is local.
| Library | Purpose | Data Shared Externally? |
|---|---|---|
| sqflite | Local SQLite database | ✅ No |
| get_storage | Local key-value preferences | ✅ No |
| flutter_local_notifications | On-device notifications | ✅ No |
| fl_chart | Analytics charts (rendered locally) | ✅ No |
| pdf / printing | PDF report generation | ✅ No |
| encrypt | AES-256 backup encryption | ✅ No |
| share_plus | OS share sheet (user-initiated) | ✅ No |
| file_picker | Local file selection for restore | ✅ No |
| intl / timezone | Localisation and timezone handling | ✅ No |
The App does not include Firebase, Google Analytics, AdMob, Facebook SDK, Sentry, Crashlytics, or any other analytics, advertising, or crash-reporting service.
9 Advertising
The App contains no advertisements of any kind. We do not use any advertising networks, display banner ads, interstitial ads, rewarded ads, or any other form of advertising. We do not collect or share data for advertising purposes.
10 Children’s Privacy
The App is not directed at children under the age of 13 (or the applicable age of digital consent in your jurisdiction). We do not knowingly collect any personal information from children. Since the App collects no personal data from any user, there is no risk of inadvertent collection from children.
If you are a parent or guardian and believe your child has provided personal information through the App, please contact us at support@rishvi.co.uk and we will address your concern promptly.
11 Your Rights & Data Control
Because all data is stored locally on your device and Rishvi Ltd never receives or holds your data, you have complete and immediate control:
- Right to Access: All your data is visible within the App at all times.
- Right to Rectification: You can edit any transaction or setting directly in the App.
- Right to Erasure: You can delete individual transactions, categories, or use the “Reset All Data” option in Settings to permanently erase everything.
- Right to Data Portability: You can export all your data as an encrypted backup or raw database file at any time.
- Right to Withdraw Consent: You can disable notifications at any time in App settings or device settings.
- Right to Uninstall: Uninstalling the App removes all locally stored data from your device.
Under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, you have the rights listed above. Since we do not process your personal data on our systems, most of these rights are exercised directly within the App. For any queries, contact us at support@rishvi.co.uk.
12 GDPR & UK GDPR Compliance
Rishvi Ltd is based in the United Kingdom and complies with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
As the App does not collect, process, or store any personal data on Rishvi Ltd’s systems, the obligations of a data controller under UK GDPR are minimal. Specifically:
- We do not process personal data — all data remains on your device.
- We have no lawful basis to declare because we do not process personal data.
- We do not transfer personal data outside the UK or EEA.
- We do not engage in automated decision-making or profiling.
- We do not appoint a Data Protection Officer as we do not meet the threshold for mandatory appointment.
If you are an EU resident, the same principles apply under the EU GDPR (Regulation 2016/679).
To exercise any data protection rights or to raise a concern, contact us at support@rishvi.co.uk. You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO) at ico.org.uk.
13 California Privacy Rights (CCPA)
If you are a California resident, the California Consumer Privacy Act (CCPA) may apply. We confirm that:
- We do not sell your personal information.
- We do not share your personal information with third parties for cross-context behavioural advertising.
- We do not collect personal information as defined under CCPA.
For any CCPA-related enquiries, contact us at support@rishvi.co.uk.
14 Security
We take the security of your data seriously, even though it never leaves your device:
- Encrypted Backups: Backup files are encrypted using AES-256-CBC with a random initialisation vector (IV) per backup, providing strong protection for exported data.
- Local Storage: Data is stored in your device’s app-specific storage, which is protected by Android’s application sandboxing.
- No Network Transmission: Since no data is transmitted over a network, there is no risk of interception in transit.
- No Server Storage: Since we hold no data on our servers, there is no risk of a server-side data breach affecting your information.
We recommend you protect your device with a screen lock and keep your operating system updated to maintain the security of locally stored data.
15 Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will update the “Last Updated” date at the top of this page and, where appropriate, notify you through the App or via the Play Store listing.
We encourage you to review this Privacy Policy periodically. Continued use of the App after any changes constitutes your acceptance of the updated policy.
16 Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the App’s data practices, please contact us:
Rishvi Ltd
Email: support@rishvi.co.uk
Website: www.rishvi.co.uk
We aim to respond to all enquiries within 5 business days.
