Privacy Policy

Bill Reminder: Payment Tracker ("we", "our", or "the App") respects your privacy. This Privacy Policy explains how information is handled when you use our mobile application.

1. Information We Collect

Bill Reminder: Payment Tracker is designed primarily as an offline-first application.

Depending on the features you use, the App may handle the following information:

Bill Information

You may enter:

• Bill name
• Amount
• Currency
• Due date
• Category
• Recurring payment information
• Payment status
• Notes
• Reminder preferences

Attachments

If supported and used by you, you may add:

• Receipt images
• Bill photos
• Invoice documents
• Other attachments

These files are used only for the functionality you request.

2. Local Data Storage

Your bill and payment information may be stored locally on your device.

We do not require you to create an account to use the core bill-management features.

If you uninstall the App or clear its application data, locally stored information may be deleted unless you have created a backup.

3. Notifications

The App may request notification permission to remind you about upcoming, due, or overdue payments.

Notifications are generated based on the reminder settings you configure.

You can disable notification permissions at any time through your device settings.

4. Backup and Cloud Storage

The App may provide optional backup functionality.

Local Backup

You may create and restore a local backup of your application data.

Google Drive Backup

If Google Drive backup is available and you choose to use it, the App may access your Google Drive account solely to perform the backup and restore functionality you request.

We do not access unrelated files in your Google Drive.

Your use of Google Drive is also subject to Google's applicable privacy policies and terms.

5. Advertising

The free version of the App may display advertisements provided by third-party advertising services.

Advertising providers may collect certain device or advertising-related information in accordance with their own privacy policies.

Where required, the App will request appropriate permissions or consent before using information for personalized advertising.

Users who purchase an applicable Pro subscription may receive an ad-free experience.

6. Analytics and Crash Reporting

If analytics or crash-reporting services are used in the App, they may collect limited technical information such as:

• App version
• Device type
• Operating system version
• Crash information
• Performance information
• General usage events

This information is used to improve app stability, performance, and user experience.

We do not use analytics to collect the contents of your bills, payment amounts, notes, or attachments for advertising purposes.

7. How We Use Information

Information handled by the App may be used to:

• Manage your bills and payments
• Calculate upcoming and overdue payments
• Generate payment reminders
• Display reports and statistics
• Maintain recurring payment schedules
• Perform backups and restores requested by you
• Improve app reliability and performance
• Provide customer support when you contact us

We do not sell your personal information.

8. Data Sharing

We do not sell, rent, or trade your personal information.

Information may be processed by third-party services only when necessary to provide specific functionality, such as:

• Advertising
• Crash reporting
• Analytics
• Cloud backup
• Payment processing

Such third-party services are expected to handle information according to their respective privacy policies.

9. Payment Information

If you purchase Pro features or subscriptions, payment transactions are processed through the applicable app store or payment provider.

We do not directly collect or store your complete credit card or bank account information.

10. Data Security

We take reasonable measures to protect information handled by the App.

However, no electronic storage or transmission method can be guaranteed to be completely secure.

You are responsible for protecting access to your device and any backup accounts you use.

11. Data Retention and Deletion

Locally stored information remains on your device until you:

• Delete it from the App
• Clear the App's data
• Uninstall the App
• Restore or replace the database

If cloud backup is used, backup data may remain in your cloud storage until you delete it.

You can also contact us regarding questions about deletion of information associated with services we control.

12. Children's Privacy

Bill Reminder: Payment Tracker is not specifically directed toward children under the age of 13.

We do not knowingly collect personal information from children under 13.

If you believe that a child has provided personal information to us, please contact us so that appropriate action can be taken.

13. Third-Party Services

The App may use third-party services such as:

• Google Play Services
• Google Drive
• Advertising services
• Analytics services
• Crash-reporting services
• Payment providers

These services may process information according to their own privacy policies.

14. Your Choices

You can control several aspects of the App's data handling by:

• Disabling notifications
• Removing bills and payment records
• Deleting attachments
• Disabling personalized advertising where available
• Choosing whether to use cloud backup
• Deleting local application data
• Uninstalling the App

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

When changes are made, the updated version will be published with a revised "Effective Date."

We encourage you to review this Privacy Policy periodically.

16. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your data, please contact us at:

17. Consent

By using Bill Reminder: Payment Tracker, you acknowledge that you have read and understood this Privacy Policy.

If you do not agree with this Privacy Policy, please discontinue use of the App.