Privacy Policy for Expenses Meet

We collect various types of information from and about you to provide, improve, and secure the Expenses Meet App. The information we collect falls into the following categories:

• Personal Information: When you create an account, we may collect your email address. If you choose to enable the app lock or hide/show balance features, you may set a PIN, which is stored securely on your device.
• Financial Transaction Data: We collect information related to your financial activities within the App, including:
• Personal income and expense records (credit/debit transactions).
• Group expense details (amounts, participants, splits, settlements).
• Loan records (amounts, parties involved, repayment status).
• Spending categories you create and assign to transactions.
• Usage Data: We collect information about how you access and use the App, such as features you use, screens you view, the time and duration of your activities, and any interactions with groups or transactions. This helps us understand user behavior and improve the app.
• Device Information: We may collect information about the device you use to access the App, including device type, operating system version, unique device identifiers (e.g., for cloud sync and analytics), and mobile network information. This data helps us ensure compatibility and improve performance.
• Communications Data: If you use the in-app option to report a bug or request a new feature, we collect the content of your communication, along with any associated technical data (e.g., app version, device model) to address your request effectively.

We collect information through various methods:

• Directly from You: We collect information you directly provide when you:
• Create an account or log in.
• Input personal income and expense records.
• Create groups, add members, split bills, and record settlements.
• Add loan records.
• Set up security features like an app lock PIN.
• Submit bug reports or feature requests through the App.
• Automatically: We may collect certain information automatically as you use the App through:
• Usage Tracking: Monitoring your interactions with the App's features and functionalities to understand how the App is used, identify popular features, and detect areas for improvement.
• Device Information: Gathering details about your mobile device and its software to ensure the App functions correctly across different platforms and for purposes of cloud synchronization.
• Analytics and Crash Reporting: Using third-party tools to collect aggregated, anonymized or pseudonymized data about App performance, crashes, and usage patterns. This helps us identify and fix bugs and improve the App's stability.

We use the information we collect for various purposes, including:

• To Provide and Maintain the App: To operate and deliver all the features and functionalities of Expenses Meet, including tracking expenses, managing groups, splitting bills, recording loans, and syncing your data across devices. This includes authentication and account management.
• To Improve and Personalize the App: To analyze usage patterns, identify trends, and understand user preferences to enhance the App's design, functionality, and user experience. This also helps us prioritize bug fixes and develop new features.
• To Ensure Security: To protect your data and the App from unauthorized access, fraud, and other security threats. This includes implementing and supporting security features like app lock and hidden balances.
• To Communicate with You: To respond to your inquiries, support requests, bug reports, and feature suggestions. We may also send you important notices about the App, such as updates or changes to our terms or policies.
• For Analytics and Research: To perform internal operations, troubleshooting, data analysis, testing, research, and statistical purposes.
• To Comply with Legal Obligations: To meet our legal and regulatory requirements, resolve disputes, and enforce our agreements.

We process your personal data based on the following legal grounds:

• Performance of a Contract: We process your information as necessary to fulfill our obligations under the agreement we have with you to provide the Expenses Meet App and its functionalities (e.g., creating and managing your account, recording transactions, syncing data).
• Legitimate Interests: We process certain data for our legitimate business interests, provided these interests do not override your fundamental rights and freedoms. This includes improving and personalizing the App, ensuring its security, and understanding user engagement to develop better features.
• Consent: Where required by law, we may rely on your explicit consent for certain processing activities, such as sending you specific types of notifications or for certain analytical purposes beyond what is necessary for the App's core functionality.
• Legal Obligation: We may process your information where it is necessary to comply with a legal obligation to which we are subject (e.g., tax laws, government requests).

If you have any questions about the legal basis for processing your personal data, please contact us using the details provided below.

We may share your information with third parties in the following situations:

• Service Providers: We engage third-party companies and individuals to facilitate our App, provide services on our behalf, perform App-related services (e.g., maintenance, database management, web analytics, payment processing, cloud hosting, authentication), or assist us in analyzing how our App is used. These third parties have access to your personal data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
• Business Transfers: In the event that Expenses Meet is involved in a merger, acquisition, or asset sale, your personal data may be transferred as a business asset. We will provide notice before your personal data is transferred and becomes subject to a different Privacy Policy.
• Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).
• Protection of Rights: We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person, or as evidence in litigation in which we are involved.

Your information, including personal data, may be transferred to — and maintained on — computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those from your jurisdiction. For instance, data stored via cloud sync may reside on servers in different geographical locations.

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your personal data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information. This may involve using Standard Contractual Clauses (SCCs) approved by the European Commission or other appropriate safeguards as required by applicable law.

We retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law (such as for tax, accounting, or other legal requirements).

• Account Data: We retain your account information (e.g., email) as long as your account is active. If you delete your account, we will initiate the deletion of your personal data, though some aggregated or anonymized data may be retained for analytics and App improvement.
• Financial Transaction Data: Your transaction, group, and loan records are retained as long as your account is active to provide you with the App's core functionality. Upon account deletion, this data will also be removed.
• Usage and Device Data: This data is generally retained for a shorter period, typically for a few months to a year, for analytics, troubleshooting, and improving the App, or it may be anonymized for longer-term statistical analysis.
• Communications Data: Information from bug reports and feature requests may be retained for a reasonable period to track resolutions and inform future development.

Depending on your jurisdiction (e.g., GDPR in the EU, CCPA/CPRA in California), you may have certain rights regarding your personal data:

• Right to Access: You have the right to request a copy of the personal data we hold about you.
• Right to Rectification: You have the right to request that we correct any inaccurate or incomplete personal data we hold about you.
• Right to Erasure ('Right to be Forgotten'): You have the right to request the deletion of your personal data under certain conditions.
• Right to Restrict Processing: You have the right to request that we restrict the processing of your personal data under certain conditions.
• Right to Data Portability: You have the right to receive your personal data in a structured, commonly used, and machine-readable format, and to transmit that data to another controller, where technically feasible.
• Right to Object: You have the right to object to our processing of your personal data under certain conditions.
• Right to Withdraw Consent: Where we rely on your consent to process your personal data, you have the right to withdraw that consent at any time.
• Right to Lodge a Complaint: You have the right to lodge a complaint with a data protection supervisory authority if you believe your rights have been violated.

To exercise any of these rights, please contact us at m.tahiridrees27@gmail.com. We will respond to your request within a reasonable timeframe and in accordance with applicable laws.

Expenses Meet is designed with an offline-first experience for local record keeping, and it does not typically use browser-based cookies in the traditional sense. However, like most mobile applications, we may use:

• Device Identifiers: Unique identifiers associated with your mobile device for purposes such as authentication, cloud synchronization, and distinguishing your device for analytics.
• Local Storage: The App uses local storage on your device to store your financial records and preferences locally. For cloud-synced data, this local data is synchronized with our secure cloud servers.
• Analytics SDKs: We may integrate third-party Software Development Kits (SDKs) for analytics and crash reporting. These SDKs may collect usage data and device information to help us understand how the App is performing and identify areas for improvement. These SDKs typically use their own identifiers and may process data as described in their respective privacy policies.

We do not use these technologies to track your activity across third-party websites or apps for advertising purposes. You can often manage device identifiers or reset them through your device settings.

The security of your personal data is important to us. We implement a variety of security measures designed to protect your information from unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption: Data in transit (when syncing to the cloud) is encrypted using industry-standard protocols. Data at rest on our cloud servers is also protected with appropriate encryption.
• Access Controls: Access to your data on our systems is restricted to authorized personnel only, based on the principle of least privilege.
• Device-level Security: The App provides features such as app lock functionality and the ability to hide/show balances, which can be secured with a PIN set by you, adding an extra layer of protection on your device.
• Regular Audits: We regularly review our security practices and update them as technology evolves.

However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security.

Our App is not intended for use by anyone under the age of 13 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you are aware that your Children have provided us with personal data, please contact us. If we become aware that we have collected personal data from Children without verification of parental consent, we take steps to remove that information from our servers.

If you have any questions about this Privacy Policy, our data practices, or if you wish to exercise any of your data protection rights, please contact us:

• By Email: m.tahiridrees27@gmail.com
• By Phone: +923098011574

We will endeavor to respond to your request promptly and in accordance with applicable laws. Please note that we may ask you to verify your identity before responding to such requests.

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this Privacy Policy. If we make material changes, we may provide you with additional notice, such as through an in-app notification or email (if you have provided us with your email).

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

• No Sale of Personal Data: Expenses Meet does not sell your personal data to third parties.
• Third-Party Links: Our App may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
• Governing Law: This Privacy Policy shall be governed by and construed in accordance with the laws applicable to the location of the app developer, without regard to its conflict of law provisions. However, we also strive to comply with international data protection laws such as GDPR for our users worldwide.