Privacy Policy

Section 01Introduction

This Privacy Policy describes how Kapi ("Kapi", "the App", "we", "us", or "our") handles information in connection with your use of the Kapi: Private Expense Tracker mobile application. The App is developed and maintained by Bidhan, an individual developer based in Kathmandu, Nepal.

We have designed Kapi with privacy as a core principle. Your financial records — the expenses, categories, tags, and notes you enter — are stored locally on your device and are not uploaded to any server we control. This policy explains the limited information we do collect, why we collect it, and the choices available to you.

By downloading, installing, or using the App, you agree to this Privacy Policy. If you do not agree, please do not use the App.

Section 02Information We Collect

Information you provide directly

When you use the App, you may create records such as expense amounts, dates, categories, tags, and notes. This information is stored entirely on your device and is not transmitted to us.

Information collected automatically

The App uses the following services to monitor performance and reliability. Neither tracks your behavior for advertising or profiling:

• Firebase Analytics (Google) — collects anonymous, aggregate usage data such as app opens, screen views, session duration, device model, operating system version, approximate region (country level), and app version. This helps us understand how the App performs across devices. It does not identify you and does not include the contents of your records.
• Firebase Crashlytics (Google) — automatically collects crash reports when the App encounters an error. Reports include device model, OS version, app version, a stack trace, and a randomly generated installation identifier. Crashlytics does not collect the contents of your expense records.

Information we do not collect

• We do not collect your name, email address, phone number, or other contact information (except an email address you choose to sign in with — see Account and Sign-In).
• We do not collect the content of your expenses, amounts, categories, tags, or notes.
• We do not collect bank account information, credit card numbers, or any payment credentials.
• We do not use advertising networks or tracking cookies, and we do not track your behavior across apps or sites.
• We do not sell or rent any information to third parties.

Section 03How We Use Information

The limited information we collect through Firebase is used only for the following purposes:

• To monitor app stability and fix crashes and bugs.
• To understand how the App performs and improve the user experience.
• To verify that new versions work correctly across different devices.
• To plan future improvements based on aggregate usage patterns.

We do not use this information for advertising, profiling, or to make automated decisions that affect you.

Section 04Your Data on Your Device

All expense records you create are stored in a local database on your device. This data:

• Remains on your device under your control at all times.
• Is not transmitted to any server we own or operate.
• Is not accessible by us under any circumstances.
• Will be permanently deleted if you uninstall the App (unless you have enabled automatic cloud backup — see the next section).

Section 05Automatic Cloud Backup

Kapi offers optional automatic backup to your own personal cloud storage. This feature requires you to sign in (see Account and Sign-In) and is turned off until you enable it.

• Where backups go — to your personal Google Drive or iCloud account, depending on your choice and platform. Backups are written directly from your device to your own cloud account.
• Schedule — once enabled, you choose how often Kapi backs up, such as daily or a custom interval.
• Restoring — on a new or reinstalled device, sign in and the App locates your most recent backup in your cloud account automatically; you initiate the restore with a tap.
• Our access — we have no access to your cloud backups. We do not receive a copy, a notification, or any metadata about them.
• Governing terms — your cloud backups are subject to Google's or Apple's privacy policies, not ours. You can disable backup or delete backup files at any time through the App or your cloud account.

Section 06Account and Sign-In

Kapi works fully without an account. Signing in is optional and is used only for:

• Automatic cloud backup — to authorize backups to your Google Drive or iCloud account.
• Premium subscriptions — to let a paid subscription follow you across devices when you switch or reinstall.

Sign-in is handled through Google or Apple. When you sign in, we receive a basic account identifier (and the email associated with the account) solely to link your backup and subscription status to you. Your expense records are never tied to this account or uploaded to us, and signing out or using the App without an account does not limit your ability to track expenses on your device.

Section 07Third-Party Services

The App integrates with the following third-party services. Their handling of data is governed by their own privacy policies:

We do not control what data these services collect or how they use it. We encourage you to review their privacy policies.

Section 08Device Permissions

The App requests the following permissions, each for a specific purpose:

• Notifications — to send reminders and alerts you have opted into, such as daily logging reminders. You can disable notifications at any time in your device settings.
• Storage / Files — to let you export your data (e.g., as a PDF report or backup file) to a location of your choice, or to import data you have previously backed up. The App does not read files outside of what you explicitly select.

The App does not request access to your location, contacts, camera, microphone, or photo library.

Section 09Data Sharing and Disclosure

We do not sell, rent, or trade any information.

We may disclose information collected through Firebase in the following limited circumstances:

• Legal obligations — if required by law, court order, or other valid legal process.
• To protect rights — to investigate fraud, security issues, or violations of our Terms of Service.
• Service providers — Google, as the operator of Firebase services, processes analytics and crash data on our behalf under its own privacy terms.

Section 10Data Retention

• Local data is retained on your device until you delete it or uninstall the App.
• Firebase Analytics data is retained by Google according to the default retention period configured in our project (currently 14 months), after which it is automatically deleted.
• Firebase Crashlytics data is retained for 90 days, as configured by Google, before being automatically deleted.
• Cloud backups are retained according to the policies of Google Drive or iCloud, which you control directly.

Section 11Security

We take reasonable measures to protect the limited information collected through Firebase. Firebase services use encryption in transit (HTTPS/TLS) and at rest, as implemented by Google. Your local expense data benefits from the operating system's built-in protections (such as app sandboxing and, on recent Android and iOS versions, device-level encryption).

However, no method of storage or transmission is completely secure. We cannot guarantee absolute security, and you use the App at your own risk.

Section 12Your Rights and Choices

Because your expense data is stored on your device, you always have complete control over it:

• Access — view all your data directly within the App.
• Export — export your data as a file at any time from the App settings.
• Delete — delete individual records, categories, or your entire data from within the App. Uninstalling the App will also delete all local data on your device.
• Opt out of analytics — you may disable analytics collection in the App settings. Doing so stops future Firebase Analytics events from being sent from your device.
• Opt out of crash reporting — you may disable crash reporting in the App settings.

If you are located in the European Economic Area, the United Kingdom, California, or another jurisdiction with data protection laws, you may have additional rights such as the right to request access, correction, deletion, or portability of your personal information. Because we collect very limited data through Firebase and that data is not tied to you personally, such requests are generally fulfilled by your device-level opt-out settings. For any specific request, please contact us at the address below.

Section 13Children's Privacy

The App is not directed to children under the age of 13 (or under 16 in certain jurisdictions). We do not knowingly collect information from children. If you believe a child has used the App, please contact us so we can take appropriate steps.

Section 14International Users

The App is operated from Nepal. Firebase services, which process the limited analytics and crash data described above, are operated by Google and may store or process data in the United States or other countries where Google maintains facilities. By using the App, you consent to this processing.

Section 15Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last Updated" date at the top of this page and, where appropriate, provide notice within the App. Continued use of the App after changes take effect constitutes acceptance of the revised policy.

Section 16Contact Us

If you have questions about this Privacy Policy or how your information is handled, please contact:

• Email: bidhanrai424@gmail.com
• Developer: Bidhan (individual developer)
• Location: Kathmandu, Nepal