Privacy Policy

Arth Setu · Effective date: June 8, 2026 · Last updated: June 11, 2026

This Privacy Policy describes how Arth Setu (“the App”, “we”, “us”, or “our”) collects, uses, stores, and protects information when you use our mobile application for personal expense tracking, budgets, shared groups, and related features.

By creating an account or using the App, you agree to this Privacy Policy. If you do not agree, please do not use the App.

1. Who we are

App name: Arth Setu
Android package name: com.javiy.expenseTracker
Contact / support email: arthsetu.support@gmail.com

For privacy questions, data deletion requests, or support, email us at the address above. We aim to respond within a reasonable time (typically within a few business days).

2. Information we collect

We collect information you provide and information generated when you use the App.

2.1 Account and profile information

• Email address — for sign-in (email one-time password) and account identification.
• Name — for display on your profile and in shared groups.
• Profile photo (optional) — if you choose to upload an avatar.
• Phone number (optional) — only if you choose to add it to your profile; not required for basic sign-in.
• Authentication identifiers — internal user IDs from our authentication provider when you sign in.

2.2 Financial and app usage data

• Expenses and income — amounts, categories, dates, notes, tags, and related metadata you enter or import.
• Budgets and goals — limits, targets, and progress you configure.
• Shared groups (Splitwise-style) — group names, members, shared expenses, settlements, and balances.
• Wallets / accounts — labels and balances you manage in the App.
• Recurring expenses — schedules and amounts you set.
• Receipt or attachment images (optional) — photos you attach to expenses.
• Categories — default and custom categories you create.
• Reports and analytics — derived summaries computed from your data inside the App.

2.3 Device and technical data

• Push notification token (FCM) — so we can deliver budget alerts, group activity, and other notifications you enable.
• Device type and OS version — as part of standard app and notification services.
• App version — for support and compatibility.

2.4 Voice entry (optional)

If you use voice features, the App may use your device’s microphone to capture speech for expense entry or commands. Audio is processed for transcription on the device or via speech services as needed to fulfill the feature. We do not use the microphone when you are not actively using voice features.

2.5 AI assistant (optional)

If you use the in-app assistant, your questions and relevant financial context from your account may be processed to generate responses. Do not share sensitive information you do not want processed for this feature.

3. How we use your information

We use collected information to:

• Create and manage your account and authenticate you.
• Store, sync, and display your expenses, budgets, goals, and group data.
• Send push notifications you opt into (budget warnings, group updates, reminders).
• Generate reports, charts, and insights inside the App.
• Improve reliability, security, and user experience.
• Respond to support requests.
• Comply with applicable law.

We do not sell your personal information.

4. Third-party services

The App relies on trusted third-party providers. They process data only as needed to provide their services to us.

4.1 Supabase

We use Supabase for authentication and cloud data storage (including profile, expenses, budgets, groups, and file attachments). Account data is transmitted over encrypted connections (HTTPS/TLS) and stored on Supabase infrastructure.

4.2 Google Sign-In

If you choose Continue with Google, Google authenticates you and provides an ID token to our backend. Google’s use of data is governed by Google’s Privacy Policy.

4.3 Firebase (Google)

We use Firebase Cloud Messaging to deliver push notifications to your device. Firebase may receive device tokens and message delivery metadata. See Firebase privacy information.

4.4 Other processors

Email delivery for sign-in codes and account-related messages may be handled through our authentication and email infrastructure. We do not share your data with advertisers.

5. Data storage, security, and retention

• Encryption in transit: Data sent between the App and our servers uses HTTPS/TLS.
• Local storage: Session tokens and sensitive local data may be stored using encrypted storage on your device.
• Retention: We retain account data while your account is active. After you delete your account, we remove or anonymize your profile and associated data from our servers within a reasonable period, except where we must retain limited information for legal or security purposes.
• Security: We use industry-standard measures, but no system is 100% secure. Please use a strong sign-in method and protect your device.

6. Sharing of information

We do not sell, rent, or trade your personal information.

We may share information only in these cases:

• With your direction — e.g. shared group members see group expenses and names you participate with.
• Service providers — Supabase, Google/Firebase, and infrastructure hosts that help us run the App (under contractual obligations to protect data).
• Legal requirements — if required by law, court order, or to protect rights, safety, or security.
• Business transfer — if the App or its assets are transferred, subject to this policy or notice to you.

7. Your choices and rights

• Permissions: You can grant or revoke notifications and microphone access in device settings.
• Notifications: Control alert types in App settings.
• Profile: Update your name and photo in the App.
• Export: Use in-app reports or support email to request a copy of your data where available.
• Opt out of marketing: We do not send promotional emails without consent.

Depending on your country, you may have rights to access, correct, delete, or restrict processing of your personal data. Contact arthsetu.support@gmail.com to exercise these rights.

8. Account deletion

You can delete your account in the App: go to Settings → Delete account, confirm by typing DELETE, and your profile and associated server data will be removed as described in our deletion process.

If you cannot access the App, email arthsetu.support@gmail.com from your registered email address and request account deletion.

9. Children’s privacy

Arth Setu is not directed to children under 13 (or the minimum age required in your country). We do not knowingly collect personal information from children. If you believe a child has provided us data, contact us at arthsetu.support@gmail.com and we will delete it.

10. International users

Your data may be processed and stored on servers located outside your country (including regions where our cloud providers operate). By using the App, you consent to this transfer subject to applicable law and this policy.

11. Changes to this policy

We may update this Privacy Policy from time to time. We will post the new version at the same URL and update the “Last updated” date. Continued use of the App after changes means you accept the updated policy. Material changes may also be communicated in the App or by email where appropriate.

12. Contact us