Privacy Policy

Easy Expense Manager

1. Introduction

This Privacy Policy explains how Apps For Nexus (“we,” “us,” or “our”) collects, uses, stores, and protects your information when you use the Easy Expense Manager mobile application (“App”) available on the Apple App Store and Google Play Store.

By downloading, installing, or using the App, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use the App.

2. Information We Collect

2.1 Information You Provide Directly

When you use the App, you may provide the following information, all of which is stored locally on your device by default:

• Transaction Data: Amounts, dates, descriptions, notes, and transaction type (income or expense).
• Categories: Custom category names, icons, and colors you create or modify.
• Budget Information: Monthly budgets, category allocations, fund targets, and rollover settings.
• Financial Goals: Goal names, target amounts, current amounts, deadlines, and completion status.
• Recurring Transactions: Rules for automatic transaction generation including amounts, frequencies, and schedules.
• Bill Reminders: Bill names, amounts, due dates, and reminder preferences.
• Spending Limits: Daily and weekly spending limit amounts and preferences.
• Receipt Images: Photos you attach to transactions from your device photo library.
• Preferences: Currency selection, appearance settings, and other configuration choices.

2.2 Information Collected Automatically

The App itself does not automatically collect personal information, usage analytics, crash data, or device identifiers. However:

• Apple and Google Platform Analytics: If you have opted in to share analytics with Apple or Google, they may collect anonymized usage data and crash reports. This is governed by Apple’s and Google’s respective privacy policies, not ours.
• Device Locale: The App reads your device’s locale setting solely to auto-detect your preferred currency. This information is not transmitted or stored externally.

2.3 Information Collected Through Future Features

As the App evolves, we may introduce features that involve additional data collection. These include but are not limited to:

• User Accounts: Email address, name, profile picture, and authentication credentials (or third-party authentication tokens via Apple Sign-In, Google Sign-In, or similar services).
• Cloud Backup & Sync: If you opt in, your financial data may be encrypted and stored on secure cloud servers (such as Apple iCloud, Google Drive, or our own cloud infrastructure) to enable backup, restore, and cross-device synchronization.
• In-App Purchases & Subscriptions: Purchase history and subscription status (processed by Apple App Store or Google Play Store; we do not collect or store your payment card details).
• Analytics & Crash Reporting: Anonymized usage statistics and crash logs to improve App performance and reliability.
• Customer Support: Communications, feedback, and support tickets including any personal information you provide voluntarily.
• Location Data: If you opt in, approximate location to auto-tag transactions with a location or to enable location-based features.
• Biometric Data: Face ID, Touch ID, or fingerprint data used solely for App lock/authentication, processed entirely on your device by the operating system. We never access or store biometric data.
• Contacts: If you opt in, access to contacts for features like splitting expenses or shared budgets.
• Camera: If you opt in, camera access for scanning receipts or documents directly.

3. How We Use Your Information

We use the information described above for the following purposes:

• To provide and maintain the App’s core functionality (expense tracking, budgeting, analytics, reporting).
• To display financial summaries, charts, insights, and spending patterns.
• To generate and send local notifications (bill reminders and spending alerts).
• To enable data export in CSV and PDF formats.
• To power home screen widgets that display financial summaries.
• To personalize your experience (currency, appearance, categories).
• To enable cloud backup, sync, and restore (if and when this feature is available and you opt in).
• To process in-app purchases and manage subscriptions (if applicable).
• To diagnose and fix technical issues and improve App performance.
• To communicate with you regarding App updates, new features, or support inquiries.
• To comply with applicable legal obligations.

4. Data Storage and Security

4.1 Local Storage

All your financial data is stored locally on your device using industry-standard technologies:

• Core Data (SQLite): Transactions, categories, budgets, goals, recurring rules, and bill reminders.
• App Sandbox: Receipt images stored in the App’s private Documents directory.
• UserDefaults/AppStorage: Preferences such as currency, appearance, and spending limit settings.
• App Groups: Shared data container enabling the App and its widgets to access the same data securely.

4.2 Device Security

Your data benefits from the security measures provided by your device’s operating system, including hardware encryption, secure enclave, and device passcode/biometric protection. We strongly recommend enabling device-level security (passcode, Face ID, or Touch ID).

4.3 Cloud Storage (Future Feature)

When cloud backup and sync features become available:

• Data will be encrypted in transit (TLS/SSL) and at rest (AES-256 or equivalent).
• Cloud storage will be opt-in only — you must explicitly enable it.
• We will use industry-standard cloud infrastructure with appropriate security certifications.
• You will retain the ability to delete your cloud data at any time.

4.4 Security Measures

We implement reasonable technical and organizational measures to protect your data, including:

• Encryption of data in transit and at rest (for cloud features).
• Secure coding practices following Apple and Google platform guidelines.
• Regular security reviews and updates.
• Minimal data collection principle — we only collect what is necessary.

5. Data Sharing and Disclosure

5.1 We Do Not Sell Your Data

We do not sell, rent, trade, or otherwise commercially share your personal information with third parties for their marketing purposes.

5.2 Limited Sharing

We may share your information only in the following circumstances:

• With Your Consent: When you explicitly choose to export or share data (e.g., via the share sheet for CSV/PDF reports).
• Service Providers: Trusted third-party providers who assist in operating our services (e.g., cloud hosting, analytics), bound by strict confidentiality agreements and used only as needed.
• Platform Providers: Apple and Google may process purchase and subscription data through their respective stores.
• Legal Requirements: If required by law, regulation, legal process, or governmental request.
• Protection of Rights: To protect the rights, property, or safety of Apps For Nexus, our users, or the public.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, in which case your data would remain subject to this Privacy Policy or an equally protective one.

6. Device Permissions

The App may request the following device permissions:

Permission	Purpose	Required
Photo Library	Attach receipt photos to transactions	Optional
Notifications	Bill reminders and spending alerts	Optional
Camera*	Scan receipts or documents	Optional
Face ID / Touch ID*	App lock and authentication	Optional
Location*	Auto-tag transactions with location	Optional
Contacts*	Expense splitting and shared budgets	Optional
iCloud / Google Drive*	Cloud backup and sync	Optional
Internet Access*	Cloud sync, account features, updates	Optional

* Denotes permissions for features that may be introduced in future updates. All permissions are optional and requested only when you use the corresponding feature. You may deny or revoke any permission at any time through your device settings.

7. Third-Party Services

The App currently does not integrate third-party analytics, advertising, or tracking services. If introduced in the future, this section will be updated to include:

• Analytics Providers: Anonymized usage data to understand App performance and user behavior (e.g., Firebase Analytics, similar services).
• Crash Reporting: Anonymized crash logs to diagnose and fix bugs (e.g., Firebase Crashlytics, Sentry, or similar).
• Authentication Providers: Sign-in services such as Apple Sign-In and Google Sign-In.
• Cloud Services: Apple iCloud, Google Cloud, or similar platforms for backup and sync.
• Payment Processing: Apple App Store and Google Play Store for in-app purchases (we never access your payment details directly).

Each third-party service is governed by its own privacy policy. We encourage you to review those policies.

8. Your Rights and Choices

8.1 Data Access and Control

You have the following rights regarding your data:

• Access: View all your financial data within the App at any time.
• Export: Export your data in CSV or PDF format using the App’s export feature.
• Correction: Edit or modify any transaction, category, budget, goal, or other data directly in the App.
• Deletion: Delete individual records or all data from within the App. Uninstalling the App removes all locally stored data.
• Portability: Export your data in standard formats for use with other services.

8.2 Account and Cloud Data (Future Features)

When account and cloud features become available:

• You may request deletion of your account and all associated cloud data.
• You may request a copy of all data we hold about you.
• Account deletion requests will be processed within 30 days.
• Certain data may be retained for legal compliance for a limited period after account deletion.

8.3 Permissions

You can revoke any App permission at any time through your device settings (Settings > Easy Expense Manager on iOS; Settings > Apps > Easy Expense Manager on Android). Revoking a permission may limit certain features.

8.4 Notifications

You can disable notifications at any time through your device settings or within the App’s settings.

9. Children’s Privacy

The App is not directed at children under the age of 13 (or the applicable age of consent in your jurisdiction). We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal information, please contact us immediately and we will take steps to delete such information.

10. International Data Transfers

Currently, all data is stored locally on your device and no international transfers occur. If cloud features are introduced in the future, your data may be processed in countries other than your own. In such cases, we will ensure appropriate safeguards are in place in accordance with applicable data protection laws, including but not limited to:

• EU Standard Contractual Clauses (SCCs) for transfers from the EEA.
• Compliance with the UK GDPR and UK data transfer requirements.
• Other applicable international data transfer mechanisms.

11. Data Retention

• Local Data: Retained on your device until you delete it or uninstall the App.
• Cloud Data (Future): Retained as long as your account is active. Deleted within 30 days of account deletion request, except where retention is required by law.
• Backup Data (Future): Cloud backups retained until you delete them or close your account.
• Support Communications: Retained for up to 2 years for quality assurance and legal purposes.
• Anonymized Analytics (Future): Aggregated, anonymized data may be retained indefinitely as it cannot be traced back to you.

12. Compliance with Privacy Laws

We are committed to complying with applicable privacy laws and regulations, including:

• GDPR (General Data Protection Regulation) — European Economic Area
• UK GDPR — United Kingdom
• CCPA / CPRA (California Consumer Privacy Act / California Privacy Rights Act) — California, USA
• COPPA (Children’s Online Privacy Protection Act) — United States
• PIPEDA (Personal Information Protection and Electronic Documents Act) — Canada
• Australian Privacy Act — Australia
• LGPD (Lei Geral de Proteção de Dados) — Brazil
• Apple App Store Guidelines
• Google Play Store Policies

12.1 For EU/EEA/UK Residents (GDPR)

Under the GDPR and UK GDPR, the legal bases for processing your data are:

• Contract: Processing necessary to provide the App’s services.
• Consent: Where you have given explicit consent (e.g., enabling cloud backup, notifications).
• Legitimate Interest: App improvement and security, where not overridden by your rights.

You have the right to access, rectify, erase, restrict processing, object to processing, and data portability. To exercise these rights, contact us at the address below.

12.2 For California Residents (CCPA/CPRA)

Under the CCPA/CPRA, California residents have the right to:

• Know what personal information is collected and how it is used.
• Request deletion of personal information.
• Opt out of the sale or sharing of personal information (we do not sell or share personal information).
• Non-discrimination for exercising privacy rights.

13. Apple App Tracking Transparency

The App does not track you across other companies’ apps or websites. We do not use the IDFA (Identifier for Advertisers) or participate in any cross-app tracking. If this changes in the future, we will request your explicit permission via the App Tracking Transparency framework before any tracking occurs.

14. Widgets and App Extensions

The App includes home screen widgets that display financial summaries (balance, recent transactions). Widget data is accessed securely through an App Group container shared only between the main App and its widget extensions. No widget data is transmitted externally.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will:

• Update the “Last Updated” date at the top of this page.
• Notify you through the App or via other appropriate communication channels.
• Where required by law, obtain your consent before applying material changes.

We encourage you to review this Privacy Policy periodically. Your continued use of the App after any changes constitutes acceptance of the updated policy.

16. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Developer: Apps For Nexus
• Email: contact@appsfornexus.com
• Website: https://appsfornexus.com

We will respond to all legitimate requests within 30 days (or sooner where required by applicable law).