Privacy Policy

Introduction & Scope

Expenses Meet ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how Expenses Meet collects, uses, discloses, and safeguards your information when you use our mobile application (the "App").

Expenses Meet is a personal finance and group expense tracking application that helps users organize money in one place. It allows you to record personal income and expenses, manage spending categories, view financial reports, split shared bills in groups, simplify debts, track loans and repayment installments, and sync supported data across devices.

1. Information We Collect

We collect information you provide directly to us when using the application:

• Account Information: When registering, we collect your email address, display name, and optional phone number.
• Financial & Ledger Records: Transaction descriptions, amounts, currencies, categories, dates, payment methods, notes, and split allocations.
• Group & Relationship Data: Group names, member identifiers, member phone numbers (used for guest invites), settlement records, and loan agreements.
• Device & Push Notification Tokens: Firebase Cloud Messaging (FCM) device tokens required to deliver real-time settlement alerts, group expense notifications, and loan installment reminders.

2. How We Use Information

We use your information strictly to provide and enhance the Expenses Meet service:

• To manage your personal financial ledger and calculate spending analytics.
• To compute simplified net debts among group participants (minimizing unnecessary repayments).
• To dispatch push notifications when collaborators add expenses, record settlements, or when loan due dates arrive.
• To synchronize collaborative data in real-time across your authorized devices.
• We never sell, monetize, or rent your personal or financial data to advertisers or third parties.

3. Data Storage & Offline-First Model

Expenses Meet is architected with an offline-first design. Your transactions, categories, and settings are written instantly to an encrypted local Hive database on your device, ensuring full offline functionality.

When internet connectivity is available, collaborative records (groups, shared expenses, settlements, and cross-user loans) sync securely to Google Cloud Firestore using Google Cloud servers with transport-level TLS encryption.

4. Third Parties & Service Providers

We rely on trusted cloud infrastructure to power authentication and notifications:

5. Security & Protection

We implement multiple layers of security to safeguard your data:

• Strict Firebase Security Rules enforce that users can only read and write data belonging to themselves or groups where they are active members.
• In-app biometric and PIN pad locking protects local access on physical devices.
• All cloud communications utilize HTTPS and SSL/TLS 1.3 cryptographic protocols.

6. Data Retention & Account Deletion

We retain your data for as long as your account remains active. You maintain full ownership of your data at all times.

7. User Rights (GDPR & CCPA)

You have the following rights regarding your personal information:

• Access & Portability: Request an export of your personal transactions and ledger.
• Rectification: Edit or correct any inaccurate records directly in the app.
• Erasure: Request complete and permanent deletion of your profile, ledger, and group records.
• Withdrawal of Consent: Turn off push notifications or delete your account at any time.

8. Children's Privacy

Expenses Meet does not knowingly collect or solicit personal information from children under the age of 13. If we become aware that we have inadvertently collected data from a child under 13 without verification of parental consent, we will take immediate steps to delete that information.

9. Contact Information

If you have questions, feedback, or wish to exercise your data privacy rights, please reach out to our primary developer: