Privacy Policy

1. Information we collect

SmartMoney does not collect any information about you. The app has no network access, no analytics, no advertising identifiers, no crash reporting SDKs, and no account or sign-in of any kind. We — the developer — never receive, see, or have access to anything you enter into the app.

Data you choose to enter (transaction amounts, merchants, account balances, budgets, recurring bills, and receipt photos) stays only on your device. It is never transmitted anywhere, including to us.

2. How your information is used

Because nothing is collected or transmitted, there is nothing for us to use, analyze, sell, or share. The data you enter is used solely to power the app's on-device features — for example, calculating your spending totals, budget progress, and net worth — and for nothing else.

3. Where your data lives

If you use Apple's iCloud device backup, your device's operating system may include this locally-stored data in your personal encrypted iCloud backup — that backup is controlled by you and Apple, not by us. See Apple's own privacy documentation for how iCloud Backup handles your data.

4. Third parties & data sharing

SmartMoney does not integrate any third-party SDKs — no analytics, no advertising networks, no crash reporters, no cloud sync services. We do not sell, rent, or share your data with anyone, because we never receive it in the first place.

5. Siri & Shortcuts

SmartMoney supports logging an expense via Siri and the Shortcuts app. When you use this feature, the details you speak or type are processed on-device by Apple's Siri/Shortcuts system and written directly into SmartMoney's local storage. This voice or text input is not sent to us or to any third party by SmartMoney.

6. Data retention & deletion

Your data is retained for as long as it exists on your device. Deleting SmartMoney from your device permanently deletes all of its associated data. Since we never receive a copy, there is no server-side data for us to retain, export, or delete on your behalf.

7. Your rights and choices

Because SmartMoney is offline by design, you already have full control over your data at all times:

• Access: everything you've entered is visible in the app itself, at any time.
• Correction: edit or delete any transaction, account, budget, or bill directly in the app.
• Deletion: delete individual records in-app, or uninstall the app to erase everything at once.
• Portability: use the built-in CSV export to take your transaction data with you.

8. Children's privacy

SmartMoney does not knowingly collect information from anyone, including children under 13, because it does not collect information from anyone at all. SmartMoney is not directed at children and contains no social features, chat, or user-generated content shared with others.

9. Changes to this policy

If this policy changes, the "Last updated" date at the top of this page will be revised and the updated policy posted at this same URL. Since the app requires no account, we have no way to notify you directly — please check back here if you'd like to review the current policy.

10. Contact us

Questions about this privacy policy or the SmartMoney app can be sent to smartmoneytrackerbudget@gmail.com.