Privacy Policy

The Expenses app is built by Penguin.

This Privacy Policy explains how we collect, use, and protect your personal information when you use our Expenses app ("App"). By using the App, you agree to the collection and use of your information in accordance with this policy. If you do not agree with this Privacy Policy, please stop using the App immediately.

1. Information We Collect

1.1 Personal Information

Personal Information is data that can be used to identify or contact you. We only collect personal information that you provide directly to us when purchasing paid features (e.g., payment information via third-party processors like Apple).

We do not collect any unnecessary personal data such as sensitive financial information like bank account or credit card numbers.

1.2 Non-Personal Information

Non-Personal Information is data that cannot be used to directly identify you. This may include:

• Anonymous usage statistics
• Device information (such as operating system, model, and app version)
• Aggregated financial data that is stored locally on your device or in your iCloud if sync is enabled

2. How We Use Your Information

We use your information to provide, maintain, and improve the App's functionality and services. Specifically, we may use your information to:

• Enable core features of the App, including adding accounts, income, and expenses
• Allow you to sync your data across devices using iCloud (if enabled)
• Process payments for paid features, such as unlimited accounts and iCloud sync

We do not sell or share your personal data with third parties for marketing purposes.

3. Data Storage and Security

3.1 Local Storage

All financial data you add to the App (such as accounts, income, and expenses) is stored locally on your device. We do not have access to this data unless you explicitly share it with us.

3.2 iCloud Sync

If you enable the iCloud sync feature, your financial data will be stored securely in your iCloud account, which is managed by Apple. The data stored in iCloud is protected under Apple's Privacy Policy, and we do not have access to this data.

3.3 Security Measures

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

4. Sharing Your Information

We do not share your personal information with third parties, except in the following situations:

• Service Providers: We may share limited information (such as payment details) with trusted third-party service providers (e.g., Apple) to process payments for paid features.
• Legal Compliance: We may disclose your information if required to do so by law or in response to valid requests by public authorities.

5. Your Data Rights

• Access and Correction: You can access and update your financial data directly within the App.
• Deletion: You can delete your financial data from the App at any time by removing it from your device. If using iCloud sync, deleting your data from iCloud must be managed through Apple’s iCloud settings.

6. Third-Party Services

The App may include links to third-party websites or services, such as Apple’s App Store or payment gateways. We are not responsible for the privacy practices of these third-party services. Please review the privacy policies of any third-party services you use.

7. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at: [email protected]