Privacy Policy &
Terms of Use

1 Introduction

CashLedzz ("the App", "we", "us", "our") is a personal finance tracking application designed to help you manage your expenses, income, budgets, savings goals, and recurring transactions. The App is built with a privacy-first, offline-first philosophy.

We do not collect, store, transmit, or process any of your personal or financial data on any server. All data you enter into CashLedzz resides exclusively on your device and is fully under your control.

CashLedzz offers a free tier with core functionality and an optional one-time, lifetime premium upgrade ("CashLedzz Pro") available as an in-app purchase through Google Play. The purchase process is handled entirely by Google Play Billing and RevenueCat (a third-party purchase management service). We do not process, store, or have access to your payment credentials.

By downloading, installing, or using CashLedzz, you agree to the terms outlined in this Privacy Policy and Terms of Use. If you do not agree with these terms, we kindly ask that you discontinue use of the App.

2 Definitions

• "Personal Data" — Any information that identifies or can be used to identify you, including financial records, account names, transaction notes, and SMS content.
• "Device" — The smartphone, tablet, or other mobile device on which you install and use the App.
• "Local Storage" — Data stored on your device by the App, accessible only by the App.
• "You" / "User" — Any individual who installs or uses the App.
• "CashLedzz Pro" — The premium tier of the App, unlocked via a one-time in-app purchase.
• "RevenueCat" — A trusted third-party service that helps us securely confirm your CashLedzz Pro purchase. See Section 11 for details.

3 Data Storage & Privacy

3.1 All Data Is Stored Locally

All financial data, settings, preferences, and configurations are stored exclusively on your device.

3.2 No Cloud Storage or Sync

CashLedzz does not provide cloud sync or cross-device synchronization for your financial data. Your data exists solely on the device where you install and use the App.

3.3 No Accounts or Registration

CashLedzz does not require you to create an account, register, sign up, or log in. There is no server-side user identity associated with your usage. When you make a purchase, your identity is managed by Google Play and RevenueCat using an anonymous identifier — we never see your name, email, or Google account details.

3.4 No Data Transmission

Your financial data, transaction records, account details, and personal notes are never transmitted over the internet, shared with third parties, or uploaded to any server — by us or by any embedded third-party service.

The only network activity performed by the App relates to purchase validation (see Section 10) and fetching this Privacy Policy document.

4 Information We Do NOT Collect

To be absolutely clear, CashLedzz does not collect, access, store, or transmit:

• Your name, email address, phone number, or any personal identity information
• Your location or GPS data
• Your contacts, call logs, or browsing history
• Your photos, camera data, or microphone input
• Usage analytics, behavioral data, or telemetry
• Crash reports or diagnostics
• Advertising identifiers or device fingerprints
• Any financial data to external servers
• IP addresses or network metadata
• Cookies, tracking pixels, or session identifiers
• Your credit card number, UPI ID, or any payment credentials

We have zero analytics, zero tracking, zero advertising, and zero crash reporting integrated into the App.

5 SMS Permissions & Transaction Detection

5.1 What Permissions Are Requested

If you choose to enable the Smart Detect feature, CashLedzz requests the following Android permissions:

• READ_SMS — To scan your SMS inbox for bank transaction alerts
• RECEIVE_SMS — To detect incoming bank transaction SMS in real time

5.2 How SMS Data Is Used

• The App only reads SMS messages that match patterns of bank transaction alerts (debit/credit notifications).
• SMS messages are parsed locally on your device to extract the transaction amount, type (income/expense), and date.
• Only the extracted transaction information is stored on your device to help avoid duplicates. It is never transmitted to any server.
• Non-transactional SMS (personal messages, OTPs, verification codes, promotional messages) are automatically filtered out and ignored.

5.3 How SMS Data Is NOT Used

• SMS content is never sent to any server, API, or third-party service.
• SMS content is never used for profiling, marketing, or advertising.
• SMS content is never shared with any entity.
• We do not read, store, or access personal or non-financial SMS messages.

5.4 SMS Permission Is Optional

• The Smart Detect feature and its associated SMS permissions are entirely optional.
• You can use CashLedzz fully without granting SMS permissions.
• You can revoke SMS permissions at any time through your device's Settings, and the App will continue to function normally without the Smart Detect feature.

6 Device Permissions

CashLedzz requests the following permissions, all of which are used locally on your device:

CashLedzz does not request or access: Camera, microphone, location, contacts, call logs, or calendar.

7 Security Features

7.1 App Lock (PIN & Biometrics)

• You may enable a PIN lock to protect the App.
• Optionally, you may enable biometric authentication (fingerprint or face recognition) as a convenient unlock method.
• A recovery code is generated when you set up your PIN. You are responsible for keeping your recovery code safe.

7.2 Backup Integrity

• Exported backup files include tamper-detection to help verify they haven't been altered.
• If a backup file is modified outside the App, restoration will fail to protect data integrity.

8 Data Export & Backup

8.1 Export Options

You can export your data in the following formats:

• XLSX (Excel) — Styled spreadsheet with multiple sheets covering transactions, accounts, budgets, and goals.
• PDF — Formatted financial reports.
• JSON Backup — Complete data snapshot for backup and restoration purposes. Includes tamper-detection to help ensure integrity.

8.2 Your Responsibility

• Exported files are saved to your device or shared via the system share dialog (email, messaging apps, cloud storage, etc.).
• Once data is exported and shared, it is outside the App's control. You are solely responsible for the storage, security, and distribution of exported files.
• We strongly recommend storing backup files in a secure location and not sharing them with untrusted parties.

8.3 Backup Restoration

• You can restore data from a backup file (.bak).
• The App verifies the integrity of the backup during restoration. Tampered files will be rejected.

9 Notifications

9.1 Local Notifications Only

All notifications generated by CashLedzz are scheduled and triggered locally on your device. No remote push notification server is used to send messages.

9.2 Types of Notifications

• Daily expense tracking reminders (configurable timing)
• Weekly spending summaries
• Monthly financial reviews
• Budget threshold alerts (80%, 100%, exceeded)
• Recurring transaction due reminders
• Backup reminders
• SMS-detected transaction alerts

9.3 Notification Control

• All notification types are optional and can be individually enabled or disabled in the App's Preferences.
• You can also manage or disable notifications through your device's system Settings.

10 Network Usage

10.1 Limited Network Access

CashLedzz is designed to function primarily offline. Network access is used only for essential purposes such as verifying your CashLedzz Pro purchase and loading in-app content like this Privacy Policy.

No financial data, transaction records, account details, SMS content, or personal information from within CashLedzz is ever transmitted.

10.2 No Backend for Core Functionality

The App does not communicate with any backend server or cloud service for its core financial tracking functionality.

10.3 No Analytics or Tracking

The App contains no analytics, tracking, or telemetry of any kind.

11 In-App Purchases & CashLedzz Pro

11.1 What Is CashLedzz Pro?

CashLedzz Pro is a one-time, lifetime in-app purchase that permanently unlocks premium features including:

• Unlimited accounts, budgets, and financial goals
• Advanced charts (Trends, Velocity, Savings Pulse)
• Finance Calendar
• Smart prediction notifications
• Cloud backup & restore
• Dark theme
• App lock & biometric authentication
• Unlimited data exports and custom reports
• Full icon library
• All future premium features

11.2 How Purchases Are Processed

All payments are processed securely through Google Play. CashLedzz does not collect, process, or store your credit card, debit card, UPI, or any payment credentials. Once your purchase is confirmed by Google Play, premium features are unlocked in the App.

11.3 Purchase Validation Partner

We use a trusted third-party service (RevenueCat, Inc.) solely to validate your Google Play purchase receipt and confirm your premium entitlement.

What they receive: An anonymous device identifier and your Google Play purchase receipt.

What they do NOT receive: Your name, email, phone number, Google account details, financial data, transactions, balances, SMS content, or payment credentials.

For more information, please review RevenueCat's Privacy Policy at: revenuecat.com/privacy

11.4 Purchase Restoration

• Your CashLedzz Pro purchase is tied to the Google account signed into the Google Play Store at the time of purchase.
• If you reinstall the App, switch devices, or clear app data, tap "Restore Purchase" to recover your premium access at no additional cost.

11.5 Pricing

The price of CashLedzz Pro is displayed in your local currency on the Google Play purchase screen. Google may apply currency conversion and local taxes as applicable.

11.6 Refund Policy

• CashLedzz Pro is a one-time, non-consumable, lifetime purchase. Once purchased, it does not expire.
• Refunds are handled exclusively by Google Play and are only available within Google Play's standard refund window (typically 48 hours after purchase).
• Once the Google Play refund window has expired, the purchase is final and non-refundable. We are unable to issue refunds outside of Google Play's refund system.
• If a refund is granted by Google Play, your CashLedzz Pro entitlement will be revoked and premium features will be locked.
• For refund-related queries, you may contact us at [email protected] and we will assist you where possible.

12 Third-Party Services & Libraries

12.1 Third-Party Services

12.2 Third-Party Libraries

CashLedzz uses open-source libraries for device-local functionality. None of these libraries transmit your personal or financial data to external servers.

We do not use any libraries from Google Analytics, Facebook SDK, Firebase Analytics, Amplitude, Mixpanel, Sentry, Bugsnag, or any similar data-collecting service.

13 Root / Jailbreak Detection

13.1 What We Detect

CashLedzz performs a local check to determine whether your device shows signs of being rooted (Android) or jailbroken (iOS).

13.2 Why We Detect It

Rooted or jailbroken devices have weakened security boundaries. Other apps on a compromised device may be able to access your locally stored financial data or bypass the app lock.

13.3 What Happens

• If a compromised device is detected, the App displays a warning informing you of the risk.
• The App does not block functionality — you may choose to continue using it at your own risk.
• The root/jailbreak status is checked locally and is never reported to us or any third party.

14 Device Theft, Loss & Unauthorized Access

14.1 Your Responsibility

Since all data is stored locally on your device, you are responsible for keeping your device physically secure, using a strong device lock screen, enabling CashLedzz's built-in app lock feature, and safeguarding your CashLedzz recovery code.

14.2 Limitation of Liability for Device Compromise

We are not responsible for any data exposure, data loss, or unauthorized access to your financial information in the following scenarios: device theft or loss, unauthorized physical access, rooted/jailbroken devices, malware or spyware, shared or public devices, backup file mishandling, device disposal without factory reset, screen capture or recording, shoulder surfing, operating system vulnerabilities, custom ROMs, USB debugging enabled, or in any other ways beyond our reasonable control.

14.3 Recommended Precautions

1. Enable CashLedzz's PIN lock and biometric authentication
2. Use a strong device lock screen
3. Keep your operating system updated
4. Avoid using CashLedzz on rooted/jailbroken devices
5. Do not install apps from untrusted sources
6. Factory reset your device before selling or disposing of it
7. Store backup files in a secure, encrypted location
8. Do not share your PIN or recovery code with anyone
9. Regularly back up your data to protect against device failure or loss

15 Data Deletion & Uninstallation

15.1 Uninstalling the App

When you uninstall CashLedzz, all locally stored App data is permanently deleted by the operating system. This action is irreversible.

15.2 No Residual Data on Our End

Since we do not store any of your personal or financial data on any server, there is no residual data to request deletion of. Uninstalling the App constitutes complete data deletion for all financial data.

15.3 RevenueCat Purchase Records

RevenueCat retains a record of your anonymous device ID and associated purchase entitlement. This record contains no personal information. If you wish to request deletion of this anonymous record, contact us at [email protected] and we will submit a deletion request to RevenueCat on your behalf.

Please note: Once forwarded, the actual deletion of this record is entirely at RevenueCat's discretion and governed by their own data retention policies. We can only forward the request — we have no control over whether, when, or how RevenueCat processes it. For their policies, please refer to RevenueCat's Privacy Policy.

15.4 In-App Data Management

You can delete individual transactions, accounts, budgets, goals, and recurring transactions within the App at any time. You can also clear all detected SMS transactions or reset the App's settings to defaults.

15.5 Right to Data Portability

You may export all your data at any time via the App's export features (XLSX, PDF, or JSON backup) before uninstalling.

16 Children's Privacy

CashLedzz is a personal finance management application intended for use by adults aged 18 and above. The App is not designed for, directed at, or marketed to children or minors.

In accordance with the Digital Personal Data Protection Act, 2023 (India) and other applicable laws, we do not knowingly collect, store, or process any information from individuals under the age of 18. Since the App does not collect any personal information or transmit data to servers, there is no mechanism through which such data could be inadvertently gathered by us.

If you are under 18, please do not use the App. If you are a parent or legal guardian and become aware that a minor has used the App, we recommend uninstalling it from their device. Since all data is stored locally, uninstalling the App will remove all associated information.

CashLedzz Pro purchases require a valid Google Play account and payment method. Parents and guardians are responsible for supervising purchases made on devices used by minors. Parental controls and purchase approvals can be managed through Google Play's Family Link or device-level settings.

17 Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Merchantability or fitness for a particular purpose
• Accuracy or reliability of any financial calculations, summaries, reports, or SMS-parsed transactions
• Uninterrupted or error-free operation
• Compatibility with all devices, operating systems, or configurations
• Complete security against all threats, attacks, or unauthorized access
• Availability of in-app purchase services (which depend on Google Play and RevenueCat)

The App is a personal finance tracking tool, not a certified financial advisor, accounting software, or tax preparation tool.

Important Notice: CashLedzz is intended solely to help you record and monitor your personal finances. It does not provide financial advice, investment recommendations, tax guidance, or legal counsel of any kind. Any figures, summaries, charts, predictions, or insights shown in the App are informational only and should never be treated as professional advice.

Before making any financial, investment, tax, or legal decision, we strongly recommend that you consult a qualified financial advisor, chartered accountant, tax professional, or legal expert. You are solely and fully responsible for any financial decisions you make, and we shall not be held liable for any losses, damages, or consequences arising from decisions made based on information displayed in the App.

18 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• We shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the App.
• We shall not be liable for any loss of data, financial loss, or damages resulting from device theft or loss, device malfunction, operating system bugs, incorrect SMS parsing, incorrect financial calculations, corrupted backup files, third-party app interference, Google Play or RevenueCat service outages, failed purchases, or force majeure events.
• Our total liability, if any, shall not exceed the amount you paid for CashLedzz Pro.

19 Terms of Use

19.1 Acceptable Use

By using CashLedzz, you agree to use the App only for lawful personal finance management purposes and not to reverse engineer, decompile, disassemble, modify, redistribute, sell, or attempt to circumvent the App's security features or premium feature gating.

19.2 User Responsibility

• You are solely responsible for the accuracy of the data you enter into the App.
• You are solely responsible for backing up your data regularly.
• You are solely responsible for the security of your device and your CashLedzz PIN/recovery code.
• You acknowledge that SMS transaction detection is a convenience feature and may not detect all transactions or may occasionally misparse amounts.
• You acknowledge that the App provides no guarantee of financial accuracy and should not be your sole financial record-keeping method.
• You acknowledge that CashLedzz Pro is a one-time purchase tied to your Google Play account.

19.3 Purchase Terms

• By purchasing CashLedzz Pro, you agree to the price displayed on the Google Play purchase screen at the time of transaction.
• All purchases are processed by Google Play. Your agreement for payment processing is with Google, governed by Google Play's Terms of Service.
• CashLedzz Pro is a non-consumable, lifetime purchase. It does not auto-renew and there are no recurring charges.
• Refunds are governed by Google Play's refund policy and are only available within Google Play's refund window. See Section 11.6 for details.

19.4 Termination

• You may stop using the App and uninstall it at any time.
• We reserve the right to discontinue the App at any time without prior notice.
• If the App is discontinued, your CashLedzz Pro purchase remains valid for as long as you have the App installed. However, we cannot guarantee continued functionality if supporting services are discontinued.

20 Intellectual Property

• CashLedzz, its name, logo, design, icons, and user interface are the intellectual property of the developer.
• All open-source libraries used are attributed to their respective authors and are used in accordance with their licenses.
• You are granted a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes.

21 Governing Law & Dispute Resolution

• This Privacy Policy and Terms of Use shall be governed by and construed in accordance with the laws of India.
• Any disputes arising under or in connection with this document shall be subject to the exclusive jurisdiction of the courts in India.
• Before initiating any legal proceedings, you agree to attempt to resolve disputes by contacting us directly at the email address provided below.

22 Changes to This Policy

• We may update this Privacy Policy and Terms of Use from time to time.
• The "Last Updated" date at the top of this document will reflect the most recent revision.
• Continued use of the App after changes are published constitutes your acceptance of the revised policy.
• We recommend reviewing this policy periodically to stay informed of any updates.
• Since the App does not collect your email or any contact information, we cannot actively notify you of policy changes. The updated policy will be available within the App.

23 Contact Us

If you have questions, concerns, or suggestions regarding this Privacy Policy, the App, or your CashLedzz Pro purchase, you may contact us at:

Email: [email protected]