Smart Expenses Plan - Privacy Policy & Terms of Service

About Smart Expenses Plan

Smart Expenses Plan is a powerful mobile application designed to help users track, manage, and plan their expenses efficiently. Built with Flutter, it offers a seamless experience across Android and iOS devices.

Expense Tracking

Easily log and categorize your daily expenses with intuitive interfaces and powerful search capabilities.

Data Visualization

View your spending patterns with beautiful charts and graphs powered by advanced charting libraries.

Secure Authentication

Protect your financial data with biometric authentication, PIN codes, and pattern locks.

Cloud Backup

Securely backup your data to Google Drive and restore it across devices.

Export & Share

Export your expense reports to CSV, Excel, or PDF formats and share them easily.

Multi-language Support

Available in multiple languages including English and Swahili for a global user base.

Privacy Policy

Last updated: April 25, 2026

1. Introduction

Smart Expenses Plan ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.

2. Information We Collect

We may collect the following types of information:

Personal Information: When you sign in with Google, we may collect your name, email address, and profile picture.
Expense Data: Information about your expenses, including amounts, categories, dates, and descriptions that you enter into the app.
Device Information: Information about your device, including device type, operating system, unique device identifiers, and mobile network information.
Usage Data: Information about how you use the app, such as features accessed, time spent, and user interactions.
Location Data: Approximate location information if you grant location permissions (used for currency detection and localized features).

3. How We Use Your Information

We use the collected information for the following purposes:

To provide and maintain our expense tracking service
To personalize your experience and improve the app
To process authentication and secure your account
To enable cloud backup and synchronization features
To display personalized advertisements through Google AdMob
To send notifications and updates (with your consent)
To analyze usage patterns and improve our services
To comply with legal obligations

4. Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties except in the following circumstances:

Service Providers: We may share information with trusted third-party service providers who assist us in operating our app (e.g., Google for authentication and cloud storage, OneSignal for notifications).
Advertising Partners: We use Google AdMob to display ads. AdMob may collect and use information for ad personalization.
Legal Requirements: We may disclose information if required by law or to protect our rights and safety.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes:

Encryption of sensitive data using industry-standard algorithms
Secure authentication mechanisms
Regular security audits and updates
Limited access to personal data on a need-to-know basis

However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. Expense data is stored locally on your device and in cloud backups as configured by you.

7. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal information:

Access: Request a copy of the personal information we hold about you.
Correction: Request correction of inaccurate or incomplete information.
Deletion: Request deletion of your personal information, subject to legal requirements.
Portability: Request transfer of your data in a structured format.
Opt-out: Opt out of personalized advertising or data collection for certain purposes.

To exercise these rights, please contact us using the information provided in the Contact section.

8. Children's Privacy

Our app is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information promptly.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards.

10. Third-Party Services

Our app integrates with third-party services including:

Google Sign-In: For authentication and account management.
Google Drive: For cloud backup and synchronization.
Google AdMob: For displaying advertisements.
OneSignal: For push notifications.

These services have their own privacy policies, which we encourage you to review.

11. Cookies and Tracking Technologies

Our mobile app may use local storage and similar technologies to enhance user experience and app functionality. We do not use cookies in the traditional web sense, but may collect usage data for analytics and improvement purposes.

12. Changes to This Privacy Policy

We may update this 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. We encourage you to review this Privacy Policy periodically.

13. Contact Us

If you have any questions about this Privacy Policy, please contact us at the information provided in the Contact section below.

Terms of Service

Last updated: April 25, 2026

1. Acceptance of Terms

By downloading, installing, or using Smart Expenses Plan ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the App.

2. Description of Service

Smart Expenses Plan is a mobile application that allows users to track, manage, and analyze their personal expenses. The App provides features including expense logging, categorization, reporting, cloud backup, and data export.

3. User Accounts

To use certain features of the App, you may need to create an account or sign in using third-party services like Google. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. User Responsibilities

You agree to:

Use the App only for lawful purposes
Provide accurate and complete information
Not attempt to reverse engineer, modify, or distribute the App
Not use the App to transmit harmful or illegal content
Respect the intellectual property rights of the App and its content

5. Privacy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the App, to understand our practices.

6. Intellectual Property

The App and its original content, features, and functionality are owned by Smart Expenses Plan and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

7. Third-Party Services

The App may integrate with third-party services. Your use of these services is subject to their respective terms and conditions. We are not responsible for the availability or accuracy of third-party services.

8. Disclaimers

The App is provided "as is" without warranties of any kind, either express or implied. We do not warrant that the App will be uninterrupted, error-free, or secure. Use of the App is at your own risk.

9. Limitation of Liability

In no event shall Smart Expenses Plan be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the App.

10. Indemnification

You agree to indemnify and hold harmless Smart Expenses Plan from any claims, damages, losses, or expenses arising from your use of the App or violation of these Terms.

11. Termination

We may terminate or suspend your account and access to the App at our discretion, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of changes by updating the "Last updated" date. Continued use of the App after changes constitutes acceptance of the new Terms.

14. Contact Information

If you have any questions about these Terms, please contact us using the information provided in the Contact section.