Last Updated: July 18, 2026

1. Introduction

eXpend is a personal finance management application designed with privacy as a core principle. This Privacy Policy explains how user data is handled, what information is processed, and user rights regarding that information.

2. Data Collection and Usage

2.1 Financial Data

eXpend allows users to track transactions, budgets, wallets, goals, and debts. All financial data is stored locally on the user's device. eXpend does not collect, access, or transmit financial data to any external servers.

2.2 Personal Information

• Profile Name: Users may optionally provide a name to personalize their profile. This information is stored strictly on the local device.
• Email Address (Optional): If a user chooses to submit feedback through the in-app support feature, an email address may be voluntarily provided solely to receive a response.

2.3 Settings and Preferences

App configuration settings (such as currency, language, theme, and display preferences) are stored locally on the device to ensure a consistent user experience.

2.4 Biometric Data

If the "Screen Lock" feature is enabled, eXpend utilizes the device's native biometric authentication mechanisms (such as FaceID, TouchID, or Fingerprint). eXpend never accesses, processes, or stores biometric data; it only receives confirmation from the operating system regarding authentication status.

2.5 Device Diagnostics

When feedback is submitted or when a critical error occurs, the following technical diagnostics may be included to assist with troubleshooting:

• Device brand and model
• Operating System (OS) name and version
• App build version

3. Data Storage and Security

• Local Storage: All personal and financial data is stored directly on the device within an encrypted local database (Realm), ensuring data remains under the user's full control.
• No Cloud Synchronization: eXpend does not synchronize data to any cloud service, remote database, or third-party server. All data remains strictly on the device unless manually exported by the user.

4. Third-Party Services

To support essential application functionality, eXpend integrates a minimal set of third-party services:

• Exchange Rates Service (open.er-api.com): When automatic exchange rate updating is enabled, eXpend fetches live market exchange rates from open.er-api.com. No personal data, user identifiers, wallet balances, or account details are ever transmitted. Only the ISO currency code of the selected main currency (e.g., USD or PHP) is sent to retrieve public exchange rates.
• RevenueCat: Used to manage in-app purchases and subscription status. RevenueCat may process anonymized transaction identifiers to verify active subscriptions.
• App Store Platforms (Apple App Store / Google Play Store): In-app transactions and payment processing are handled directly by Apple or Google. eXpend does not process or store credit card numbers or payment details.
• Feedback and Error Reporting: Technical diagnostics provided during user-initiated feedback or crash reports are used exclusively for app maintenance and bug resolution.

5. User Rights and Data Control

• Access and Deletion: Because all data resides locally on the device, users maintain complete control over their information and can view, modify, or delete data at any time within the app.
• Permanent Data Removal: Uninstalling eXpend from the device permanently removes all locally stored application data and database files.

6. Children's Privacy

eXpend is not directed at children under the age of 13 and does not knowingly collect personal information from children.

7. Policy Updates

This Privacy Policy may be updated periodically to reflect application enhancements or regulatory requirements. Any updates will be indicated by the "Last Updated" date at the top of this document.

8. Contact Information

For questions regarding this Privacy Policy or data handling practices, users can reach out through the in-app feedback feature or via email at subdial.expend@outlook.com.