Legal · Updated 2026-10

Expense Tracker privacy policy

This policy explains what the Expense Tracker mobile app for Android and iOS (com.signifact.expenser) collects about you, why, who else handles it, how long we keep it and how you can have it deleted. It applies only to Expense Tracker. Our website has its own privacy notice.

1. Who we are

Expense Tracker is made by Signifact Solutions Private Limited, a company registered in Tamil Nadu, India, trading as Managics ("we", "us"). We decide how your data is used. You can reach us at support@managics.ai.

2. What we collect

Your account

  • Your name, mobile number and email address.
  • Your password, if you set one. We store only a one-way scrambled form (a hash), never the password itself.
  • If you sign in with Google: the email address from your Google account.

What you record in the app

  • Your money accounts: a name you choose, the type (bank, card, UPI, wallet or cash), the bank's name, the last 4 digits only, opening balance, credit limit and bill dates. We never ask for full card or account numbers, PINs, CVVs or bank passwords.
  • Your transactions: amount, date and time, merchant, category, notes, tags and whether it was a business expense.
  • Budgets, bills and other regular payments, reminders and your profile type (for example salaried or self-employed).
  • People you lend to or borrow from: the name, phone number and notes you type in. We do not read your phone's contacts.
  • Family members you invite: their name and phone number or email, so we can send the invitation. People in the same family space can see the records you share there.

Automatic capture of bank and UPI alerts (only if you turn it on)

  • On Android, if you allow it in Settings → Automatic capture and give Expense Tracker "Notification access", the app reads notifications from a fixed list of banking, UPI, wallet and SMS apps. Notifications from all other apps are ignored and never read.
  • You can also share a bank message into Expense Tracker yourself.
  • Your phone pulls out the amount, merchant, date and the bank or app that sent it. Those details, and a one-way fingerprint of the message (used to avoid recording the same payment twice), are sent to our servers so the expense appears in your account.
  • The full message text stays on your phone, unless you turn on "cloud review". In that case the full text is also sent so it can be checked again later, and we store it encrypted.
  • You can turn capture off, or remove Notification access in your phone's settings, at any time.

Payments

  • The Pro plan is bought through Google Play. We receive a purchase token from Google to confirm your subscription, and we keep the invoices and payment records for it. We never see or store your card, UPI or bank payment details; Google handles those.

Device and security information

  • Your IP address, device model, operating system, app version and language, collected when you sign in and use the app.
  • A push-notification token for your phone, so we can send you reminders and alerts.
  • A record of each sign-in attempt (time, approximate country, device type, success or failure), used to protect your account.

3. What we do not collect

  • We do not access your contacts, location, camera, photos, files or microphone.
  • The Play Store version of Expense Tracker does not read your SMS inbox.
  • We do not use your advertising ID, show ads or use advertising or tracking tools.
  • We do not sell your data, and we do not use your data to train artificial-intelligence models.

4. How we use your data

  • To provide the app: keep your records, sync them across your devices and family space, and show your spending, budgets and reports.
  • To sign you in and keep your account secure, including sending one-time codes by SMS or email.
  • To send the reminders and alerts you choose, and service messages about your account or subscription.
  • To manage your subscription and issue invoices.
  • To fix problems and improve the app. For this we use statistics kept in our own systems that contain counts and amounts only, never your name, phone number, email, notes or merchant names.
  • To meet our legal, tax and accounting duties and respond to lawful requests.

We process your data on the basis of the consent you give when you sign up and when you turn on features such as automatic capture, and where the law otherwise allows it.

5. Who we share it with

We do not sell your data. We share it only with trusted service providers that help us run Expense Tracker, and only what each one needs to do its job:

  • cloud hosting and data storage;
  • delivery of emails, SMS sign-in codes and push notifications;
  • sign-in, if you choose to sign in with Google;
  • app-store payment processing.

These providers are bound to protect your data and may use it only to provide their service to us. Push notifications can show amounts or bill names on your lock screen; you can turn alerts off in the app.

We may also disclose data when the law requires it, for example to a court or government authority, or to protect the rights and safety of our users. If our business is ever merged or sold, your data would move to the new owner under this same policy, and we would tell you first.

6. Where your data is stored

Your data is stored on secure cloud servers. Some of our service providers may process limited data in other countries, with safeguards required by law.

7. How long we keep it

We keep your data only as long as we need it to provide the app, keep it secure and meet our legal duties. Your account and records are kept until you delete your account. Temporary and security data is deleted automatically after a limited time. Invoices and payment records are kept as long as the law requires, even after your account is deleted.

8. Deleting your account

Open Settings → Delete account in the app, or email support@managics.ai. Full details are on our delete your account page. In short: we review the request, the space is closed, and its data is permanently erased 30 days after approval (you can ask us to restore it within those 30 days). Invoices and payment records are kept as described above. Deleting your account does not cancel a Google Play subscription; cancel it in Google Play.

9. Subscriptions and refunds

Expense Tracker is free to download. The Pro plan is a subscription billed by Google Play that renews automatically until you cancel it in Google Play's subscription settings. Cancelling stops the next renewal; you keep the Pro plan until the end of the period already paid for. All payments and refunds are handled by Google Play under Google Play's refund policy. We do not give refunds directly or for part of a billing period, except where the law requires it.

10. How we protect your data

  • All data travels between the app and our servers over encrypted connections (HTTPS).
  • Passwords are stored only as hashes; full captured messages, when you allow them to be sent, are stored encrypted.
  • Sign-in tokens are kept in your phone's secure storage.
  • Each account's data is kept separate from every other account's, and only authorised staff can reach our systems.

No system is perfectly secure. If a breach affects your data, we will tell you and the authorities as the law requires.

11. Your rights

Under India's Digital Personal Data Protection Act, 2023 and other applicable law you can:

  • ask for a summary of the personal data we hold about you and how we use it;
  • correct or update it (most of it you can change yourself in the app);
  • have it erased (see section 8);
  • withdraw your consent, for example by turning automatic capture off or deleting your account (this does not affect what was done before);
  • name someone to exercise these rights for you if you die or become unable to;
  • complain to us, and then to the Data Protection Board of India.

Email support@managics.ai from the email on your account, or tell us the phone number you sign in with. We may need to confirm it is you, and we aim to reply within 30 days.

12. Age limit

Expense Tracker is only for people aged 18 or over. We do not knowingly collect data from anyone under 18. If we learn that we have, we will delete it.

13. Changes to this policy

If we change this policy, we will update the date at the top of this page. If a change is important, we will also tell you in the app before it takes effect.

14. Contact and Grievance Officer

For any question or complaint about your data, write to our Grievance Officer, Signifact Solutions Private Limited, Tamil Nadu, India, at support@managics.ai. We acknowledge complaints within 24 hours and aim to resolve them within 15 days.

This policy is governed by the laws of India, and the courts at Chennai, Tamil Nadu have exclusive jurisdiction over any dispute about it.