Legal

Privacy Policy

Last updated: January 1, 2026

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Your data never leaves your device. TracSpend stores everything — transactions, budgets, goals, and your profile — locally on your phone using SQLite. We have no servers, no accounts, and no access to your data. Ever.

Contents

1. Overview 2. Data Stored Locally 3. What We Don't Collect 4. Optional AI Feature 5. Notifications 6. Children 7. Changes 8. Contact

1. Overview

TracSpend is a fully offline personal finance tracking app. We do not operate any servers, we do not require you to create an account, and we do not collect, transmit, or store any of your data on our end. This privacy policy explains what data the app stores on your device and the one optional exception (AI feature).

2. Data Stored Locally on Your Device

All of the following is stored exclusively on your device using SQLite and SharedPreferences. It never leaves your phone unless you explicitly export it yourself.

Profile Information

Your name, and optionally your email, phone number, address, and profile photo. This is only used to personalise the app display. It is never transmitted anywhere.

Financial Data

All transactions (income and expenses), bank accounts, wallets, assets, loans, insurance policies, and financial goals you enter are stored in a local SQLite database on your device.

App Settings

Your currency preference, country selection, theme (light/dark), and onboarding status are stored in SharedPreferences on your device.

Exported Files

If you use the Export feature, an Excel file is saved to your device's local storage. TracSpend does not upload this file anywhere.

3. What We Don't Collect

TracSpend collects nothing from you. Specifically:

  • No account registration or login required
  • No analytics or usage tracking
  • No crash reporting sent to our servers
  • No advertising identifiers
  • No location data
  • No access to your bank accounts or financial institutions
  • No data sold or shared with third parties

4. Optional AI Feature (Gemini)

TracSpend includes an optional AI finance assistant powered by Google Gemini. This feature is disabled by default and requires a user-provided Google Gemini API key to activate.

If you choose to enable it, a summary of your financial data (totals and categories — not raw transaction details) is sent to Google's Gemini API to generate personalised tips. This data is governed by Google's Privacy Policy.

If you do not add a Gemini API key, no data is ever sent anywhere. The AI feature simply shows a placeholder message.

5. Local Notifications

TracSpend can send you local push notifications as bill reminders (e.g. "Your EMI is due in 2 days"). These notifications are generated entirely on your device using the flutter_local_notifications package. No notification data is sent to any server.

6. Children's Privacy

TracSpend does not collect any data from anyone, including children. The app is suitable for all ages.

7. Changes to This Policy

If we ever change how the app handles data, we will update this page and note the date. Since we collect nothing, significant changes are unlikely.