Privacy Policy

The iOS app is provided by IGEARS TECHNOLOGY LTD. Expense amounts, categories, notes, dates, budgets, credits, progress and settings are kept in the app's local database or settings. There is no app account. The app does not upload your expense database to our servers or operate its own cloud synchronization service.

You can export CSV files or database backups to a destination you choose through iOS sharing or Files, including iCloud Drive. Apple's device backups may also include app data, depending on your settings. These copies are handled by the destination you choose and may contain your financial records.

Deleting an expense removes it from the active records. Copies may remain in exports, backups or local recovery files preserved to protect older data; remove those copies separately. Removing the app deletes its local container, but does not necessarily delete files saved elsewhere, Apple backups, purchases or information already processed by other services.

Receipt photos selected from your camera or photo picker are recognized on your device using Apple Vision. You review the extracted fields before saving. The iOS app does not send receipt images or text to genapi.mobpage.org or another remote OCR service.

Quick Add, spending summaries and rule-based insights run locally. On supported devices, the money coach can use Apple's on-device Foundation Models; otherwise it uses local rules. The app does not send your coach questions or expense summary to an external AI service.

Apple processes subscriptions, credit packs and one-time upgrades through StoreKit. We do not receive your payment card details. The app reads verified purchase information and stores entitlement and processed-transaction information locally to provide purchased features and credits, avoid duplicate credit grants and respect eligible older upgrades. It does not upload purchase receipts to a developer-operated verification server.

Restore Purchases synchronizes with Apple when you select it. Manage or cancel Apple subscriptions in your Apple Account settings. Apple handles its purchase information under its own privacy policy.

• Apple Privacy Policy

When advertising is enabled, the app uses Google AdMob and Google's User Messaging Platform. These services may process an IP address and approximate location, available device or app identifiers, advertisements viewed, app or ad interactions, and crash, performance and other diagnostic information. Their purposes include advertising delivery and measurement, analytics, service operation and managing privacy choices. We do not include expense records, receipt photos or money-coach questions in advertising requests.

The app requests nonpersonalized ads and disables ad personalization and Google's publisher first-party ID before initializing the ads SDK. These ads can still use identifiers for frequency limits and aggregated reporting, so nonpersonalized does not mean data-free. Advertising consent is separate from any tracking permission required by iOS.

Before requesting ads, the app updates consent information and presents a form when required by Google's consent service. Use Privacy Options in Settings when that option is required and available to review or change your choices. The choices returned by the service depend on your region and the configured messages.

At launch, an eligible ad-free purchase prevents starting automatic Google ads and the consent flow for those ads once purchase status is resolved. You can still explicitly choose to watch a rewarded ad for credits; that choice can activate the consent and advertising services. Buying ad-free access or changing consent does not erase information previously processed by Google. Google's policies describe its handling and retention of that information.

• How Google uses information from apps using its services
• Google Privacy Policy

When our promotional banners are enabled, a request to ads.mobpage.org includes the app's bundle identifier, App Store platform and interface language. Servers delivering the banner and its images receive ordinary network request information, including an IP address. These requests do not include expense records or receipt images. An external ad or website you open handles information under its own policy.

Camera access is used for receipt scanning; the photo picker shares the image you select. Optional reminders are scheduled locally. If you enable app lock, iOS performs biometric or passcode authentication and the app receives the result, not your biometric template. The app does not request contacts, messages or precise GPS location; advertising services can still infer an approximate location from network information.

For questions about the iPhone/iPad version or information you send directly to us, contact hkmobpage@gmail.com. We cannot delete a local expense database that you have not sent to us. Please do not email a full financial history unless needed for your request.

The following sections apply to the Android app org.igears.expense, published as Expense Tracker: Budget. JSON ledger backup and the improved purchase-restoration controls require version 3.0.4; available features depend on the installed version.

Expense amounts, dates, categories, notes, budgets, reminder settings and local credit balances are stored in the app's private storage on your device. Ordinary entry, summaries and local spending insights do not upload your ledger to our servers.

You can delete individual records in the app. Clearing the app's storage or uninstalling removes its local copy. Android may back up or transfer eligible app data according to your device and Google-account settings. Removing the app does not necessarily remove those backups.

In Android versions 3.0.3 and 3.0.4, receipt recognition runs on your device. These releases do not provide online receipt processing and do not send receipt images or recognized text to our receipt service.

Recognition uses Google's ML Kit. Google may receive technical information about use of the recognition feature, its performance and errors, app and device information, and per-installation identifiers. The on-device recognition API does not send its input images or recognized text to Google. See ML Kit's privacy information.

• ML Kit's privacy information

The app uses Google AdMob to display ads. Its SDK collects and shares IP-derived approximate location, app/ad interactions, diagnostic information and device or other identifiers for advertising, analytics and fraud prevention. Google protects these transfers using TLS encryption. Ads may be personalized or limited according to your choices and applicable requirements.

Where required, Google's User Messaging Platform presents privacy choices before advertising requests are permitted. When available, use Ad privacy choices in the app to revisit your choice. Android also provides controls to reset or delete the advertising ID; this does not disable every type of SDK information. Read how Google uses information from apps that use its services and Google's Privacy Policy.

• how Google uses information from apps that use its services
• Google's Privacy Policy

Google Play handles optional purchases and subscriptions under its terms. The app does not receive your payment-card details. It receives purchase information and tokens to verify ownership, restore eligible purchases, acknowledge transactions and deliver credit packs. Version 3.0.4 keeps signed purchase records and token records privately on your device for these functions and to prevent duplicate credit delivery.

Manage or cancel subscriptions through Google Play. Eligible permanent purchases and active subscriptions can be restored through Play. Credit balances are stored on your device. Google Play ownership queries cannot recover a remaining balance from already-consumed credit packs after reinstalling or changing devices. The ledger backup described below does not include credits or purchase receipts.

You can export CSV records or create a JSON ledger backup using Android's document picker. You choose the destination, which may be a local folder or a cloud-backed document provider. The selected provider handles that copy under its own terms. Exported files are not deleted when you uninstall the app.

Ledger backup files contain financial records and are not encrypted by this feature. Keep them private. These backups include ledger information and budget settings, and exclude credit balances, purchase receipts and receipt images.

You choose when to capture or select a receipt. The camera or photo provider supplies that image for the feature. Notification permission is used for local reminders. The app does not request contacts, SMS or precise-location permission. Advertising can nevertheless infer approximate location from an IP address. If you enable the app lock, Android handles the biometric or device-credential check; the app does not receive your fingerprint or face template.

If you choose to submit an in-app rating or review, Google Play processes that rating and review text. Published reviews may be public. You can manage or delete them through your Play Store or Google Account.

Local records remain until you delete them or remove the local app data. Backups, exports and copies held by another provider follow that provider's controls. Google processes advertising, recognition metrics, purchases and reviews under its applicable policies and retention practices; this app does not promise immediate deletion of those records.

For privacy questions or requests concerning information you have sent directly to us, contact hkmobpage@gmail.com. Do not send full financial records or receipt images unless needed for your request.

• hkmobpage@gmail.com

The app is not directed to children under 13. We may revise this policy when the app or its data handling changes and will update the date above.