Effective date: November 14, 2026
Spendings Tracker is an offline expense tracker for Android. It reads financial messages on your device, recognizes transactions and shows summaries of your income, expenses and upcoming payments. The application is designed so that this processing, including AI processing, takes place on your device.
This Privacy Policy explains what information Spendings Tracker accesses, how it is used and where it is stored.
1. No Bank Login
Spendings Tracker does not ask for bank usernames, passwords, card numbers, one-time codes or online-banking access. It does not connect to bank accounts or payment services. Transactions are recognized only from messages and notifications that are already present on your device.
2. SMS Messages
With your permission, Spendings Tracker reads SMS messages stored on your device to find bank and payment messages.
- Messages are read and processed on your device.
- Messages that are recognized as financial transactions are stored in the application's local database.
- Messages that are not recognized as financial transactions are rejected and not used for summaries.
- SMS content is not uploaded to the developer.
You can withdraw SMS permission at any time in Android settings. Previously imported transactions remain in the application until you delete them or remove the application.
3. Notification Access
If you enable notification access, Spendings Tracker can read notifications from banking and payment applications to capture transactions that are not delivered by SMS.
- Notification content is processed on your device.
- Notifications that you dismissed before they were captured cannot be recovered by the application.
- Notification content is not uploaded to the developer.
Notification access is optional and can be turned off at any time in Android settings.
4. On-Device Artificial Intelligence
Spendings Tracker first uses deterministic rules to read known message formats. For messages where information is missing, a language model running on your device may be used to fill in the missing fields or to analyze an event that you open.
- The AI model runs locally on your device.
- Message content is not sent to any external AI service.
- AI results are automated and may be incomplete or inaccurate. Please review important figures against your bank statements.
5. AI Model Download
The AI model is not required for basic rule-based recognition. If you choose to download a model from inside the application, your device connects to the model's download location to retrieve the file. As with any internet download, the server providing the file may receive technical information such as your IP address and the time of the request. No messages, transactions or other application data are sent as part of the download.
You can also import a model file that you already have, without using the internet.
6. Information Stored on Your Device
Spendings Tracker may store, on your device:
- Captured SMS and notification text recognized as financial
- Recognized transaction details, such as amount, currency, operation type, sender or originator, direction and date
- Manual transactions that you add
- Scheduled commitments and upcoming payments
- Application settings, such as language, currency and model selection
- The downloaded or imported AI model file
This information is stored locally and is not uploaded to the developer's servers.
7. Rebuilding and Deleting Data
The Full capture rebuild function deletes stored SMS and captured notifications and processes the SMS available on your device again. Manual transactions and AI models are kept.
Uninstalling Spendings Tracker removes the application's local data from your device, subject to Android's own backup settings.
8. No Advertising Profiles
Spendings Tracker does not use your messages, transactions or spending patterns for advertising, profiling or sale to third parties.
9. Children
Spendings Tracker is not directed at children and does not knowingly collect information from children.
10. Security
Data is kept within the application's private storage on your device. Protecting your device with a screen lock and keeping Android up to date helps protect this information.
11. Google Play
Spendings Tracker may be downloaded and updated through Google Play. Google may process information relating to installation, updates, purchases and use of Google Play services according to Google's own terms and privacy policies.
12. Changes to This Privacy Policy
This Privacy Policy may be updated when Spendings Tracker's functionality or privacy practices change. Any updated version will include a revised effective date.
13. Privacy Contact
Questions about this Privacy Policy may be submitted to:
Developer: [DEVELOPER OR COMPANY NAME]
Application: Spendings Tracker
Email: [PRIVACY CONTACT EMAIL]
Website: [DEVELOPER WEBSITE, IF AVAILABLE]
© 2026 [DEVELOPER OR COMPANY NAME]