Expense AI: UPI & SMS Tracker

Welcome to Expense AI: UPI & SMS Tracker (the "App"), developed and operated by LogicGridApps ("we," "us," "our"), located in Gujarat, India. The App is a personal finance management tool for Android devices.

This Privacy Policy describes what information we collect, why we collect it, how we use it, and the choices you have. Please read it carefully before using the App.

This policy covers all features of the App including SMS-based expense detection, receipt OCR scanning, AI financial coaching, budgeting, Google Drive backup, and advertising served through Google AdMob and the Facebook Audience Network.

We collect information in three ways: data you provide manually, data generated automatically from your device, and data collected by third-party SDKs we integrate (detailed in Section 8).

2.1 Data You Provide

• Transaction records: title, amount, type (income/expense), category, account name, date, and optional notes
• Monthly budget limits per spending category
• Opening balance and manual balance adjustments

All of this data is stored exclusively on your device using Android Room (SQLite). We do not transmit or store it on our servers.

2.2 Automatically Collected Data

The following are collected automatically when you use certain features:

• SMS messages (if permission granted): parsed locally for bank transaction detection — see Section 3
• Camera images (if permission granted): processed in-memory for OCR receipt scanning — see Section 4
• Advertising identifiers: collected by Google AdMob and Facebook Audience Network — see Section 5
• App usage events: screen views and feature interactions collected by Firebase Analytics — see Section 6
• Device information: device model, OS version, language, time zone — collected by Firebase and AdMob SDKs for analytics and ad targeting
• Crash reports: collected automatically by Firebase Crashlytics if crashes occur

2.3 Data NOT Collected by Us

Why We Request SMS Access

The sole purpose of SMS permission is to automatically detect bank transaction alerts from Indian financial institutions, eliminating the need for manual data entry. A prominent disclosure dialog is shown to you before the Android system permission prompt is ever displayed.

What We Read

What We NEVER Read

How SMS Data is Processed

• All SMS parsing is performed 100% on-device using local pattern matching and TensorFlow Lite (LiteRT) ML models
• Only the extracted data (transaction amount, date, merchant name) is saved to the local Room database
• Raw SMS message content is never stored to disk and never transmitted to any server

This Permission is Optional

SMS tracking is entirely optional. You can use all other features of the App (manual entry, reports, AI Coach, budgeting) without ever granting SMS access. You can revoke this permission at any time from Android Settings → Apps → Expense AI → Permissions.

The App requests CAMERA permission solely to allow you to photograph physical receipts and auto-fill the expense entry form using Google ML Kit OCR technology.

You may also use the gallery import option to select an existing receipt image from your device. The same on-device-only processing rules apply.

Camera access is optional. Manual transaction entry is always available as an alternative.

Ad Formats Used

Data Collected by AdMob

Google AdMob independently collects the following data for ad serving and measurement purposes:

• Advertising identifier (Google Advertising ID / GAID)
• Device information (model, OS version, screen size, language)
• IP address (used to infer approximate geographic location)
• App interaction signals (ad impressions, clicks)
• Coarse location (if device grants location permission to the OS)

This data is collected and processed by Google LLC under their own privacy policy. LogicGridApps does not have access to or control over AdMob's data collection.

Ad Personalization

By default, AdMob may serve personalized ads based on your interests and prior app activity. You can opt out of personalized ads at any time:

• On your Android device: Settings → Google → Ads → Opt out of Ads Personalization
• Or reset your Advertising ID: Settings → Google → Ads → Reset Advertising ID
• For EU/EEA users: The App implements Google's User Messaging Platform (UMP) for consent management where required by law

Ad Throttling & User Experience

We use Firebase Remote Config to control ad frequency (minimum interval between ads, maximum per session, honeymoon period for new users). Ads are never shown during sensitive actions such as entering financial data.

For Google's data practices related to advertising, see: Google Privacy Policy and AdMob Privacy FAQ.

Firebase Analytics

We use Google Firebase Analytics to understand how users interact with the App. This helps us improve features and fix issues. Firebase Analytics automatically collects:

• Screen views and navigation events
• App open/close and session duration
• Device type, OS version, app version, language
• Crash and error reports (Firebase Crashlytics)

No personally identifiable financial data (transaction amounts, bank names, SMS content) is ever sent to Firebase Analytics.

Firebase Remote Config

We use Firebase Remote Config to dynamically control app behavior without requiring an update — including ad frequency limits, feature flags (enabling/disabling AI Coach, OCR Scanner, SMS Tracking, Passbook, etc.), and AI credit economy settings. No personal data is transmitted to Remote Config.

Facebook / Meta SDK

The App integrates the Facebook Android SDK for analytics and app event measurement. The Facebook SDK may collect:

• App install and launch events
• Advertising identifier (for ad measurement)
• Device information (OS version, language, time zone)

Facebook/Meta's data collection is governed by Meta's Privacy Policy. You can manage Meta's ad preferences at facebook.com/ads/preferences.

AI Financial Coach (Groq AI)

The AI Coach feature uses the Groq AI API to generate personalized saving tips and answer financial questions. When you use the AI Coach:

• Anonymized, aggregated spending summaries are sent to Groq's API (e.g., "spent ₹X on Food this month")
• No personally identifiable information (name, phone, bank account numbers, transaction IDs) is included in API requests
• API requests are made over HTTPS (TLS-encrypted)
• Groq's data handling is governed by Groq's Privacy Policy

The AI Coach feature requires an internet connection and AI credits. It can be disabled entirely in Settings, in which case no data is sent to Groq.

Google Drive Backup (Optional)

You may optionally back up your transaction data to your personal Google Drive account.

• Backup uses the private DRIVE_APPDATA scope — the backup file is only visible to this App, not to other apps, not in your Drive file list, and not visible to anyone else (including LogicGridApps)
• The backup file contains only your local transaction and budget data in CSV format
• Backup is opt-in only and only occurs when you explicitly tap "Backup to Drive"
• You can delete the backup at any time from Google Drive → Settings → Manage Apps → Expense AI → Delete Data

Google Drive usage is governed by Google's Privacy Policy.

On-Device ML (TensorFlow Lite / LiteRT)

The App uses Google's TensorFlow Lite (LiteRT) for on-device SMS transaction categorization. All ML inference runs entirely on your device — no data is sent to Google for this purpose.

The App integrates the following third-party SDKs and services. Each operates under its own privacy policy and data practices.

Our Security Measures

• All local data is protected by Android's built-in file system encryption
• All external API calls (Groq AI, Google Drive) use HTTPS/TLS encryption
• LogicGridApps does not operate any backend servers that store your personal or financial data
• The App supports optional biometric lock (fingerprint / PIN) to prevent unauthorized access

You have full control over your data:

For GDPR (EU/EEA) or other applicable data subject rights requests, contact us at the email address below. We will respond within 30 days.

This App is intended for users aged 13 and above (or the applicable minimum age in your jurisdiction). The App is not directed at, and we do not knowingly collect personal information from, children under 13.

If you are a parent or guardian and believe your child under 13 has used this App and provided information, please contact us immediately at logicgridapps@gmail.com and we will take steps to address it.

LogicGridApps is based in India and does not operate servers that process your data. However, third-party services we use (Google, Meta/Facebook, Groq) may process data on servers outside India or the EU. These transfers occur in accordance with those providers' own data protection frameworks and applicable laws (e.g., Google's Standard Contractual Clauses for EU data).

We may update this Privacy Policy when we add new features, integrate new SDKs, or when applicable laws change. We will notify you of material changes by updating the "Last Updated" date at the top of this page and, where appropriate, via an in-app notification.

Continued use of the App after the effective date of an updated policy constitutes your acceptance of the changes.

For privacy-related questions, data deletion requests, permission concerns, or any other inquiries:

• Email: logicgridapps@gmail.com
• Developer: Mukesh Thummar
• Company: LogicGridApps
• Location: Gujarat, India