Expense Tracker From SMS
Privacy Policy
Last Updated: July 28, 2026
Expense Tracker from SMS ("we", "our", "us", or "the App") respects your privacy and is committed to protecting your information.
This Privacy Policy explains what information the App accesses, how that information is used, and the choices available to you.
By using Expense Tracker from SMS, you agree to the practices described in this Privacy Policy.
1. About the App
Expense Tracker from SMS helps users organise and understand financial transaction information contained in supported SMS messages.
The App may identify and organise information such as:
- Credit transactions
- Debit transactions
- Income and expenses
- Transaction amounts
- Transaction dates
- Daily transaction summaries
- Weekly reports
- Monthly reports
- Yearly reports
- Spending insights and charts
2. SMS Access
The App may request permission to access SMS messages where this functionality is permitted by the operating system, app store policies, and applicable laws.
SMS access is used to provide the App's core transaction organisation and expense tracking functionality.
The App may process supported SMS messages to identify:
- Transaction amount
- Credit or debit status
- Transaction date and time
- Transaction sender information
- Account references contained in the message
- Information required to identify and organise transactions
We do not use the contents of your SMS messages for advertising. We do not sell SMS content to advertisers or data brokers.
3. Financial Information
The App may derive financial information from supported transaction SMS messages, including income, expenses, credits, debits, transaction amounts, transaction history, and spending patterns.
This information is used to provide transaction history, daily summaries, spending reports, and charts.
Expense Tracker from SMS does not directly access your bank account unless a separate feature clearly disclosed to you provides such functionality.
The App does not initiate bank transfers or financial transactions.
4. Data Storage and Processing
Transaction information extracted from SMS messages may be processed and stored locally on your device to provide the App's transaction tracking features.
We do not use SMS content or extracted financial transaction information for targeted advertising.
If future versions introduce cloud backup, account synchronisation, or server-side transaction processing, this Privacy Policy will be updated to describe those practices.
5. App Permissions
Depending on your device and App version, the App may request permissions required to provide its features.
- SMS Permission: Used to identify and organise supported financial transaction messages.
- Notification Permission: May be used to provide transaction-related alerts and App notifications.
- Internet Access: Used for advertising, analytics, in-app purchases, and other online functionality.
You can manage App permissions through your device settings. Disabling required permissions may prevent certain features from working correctly.
6. Google Ads
Expense Tracker from SMS may display advertisements using Google advertising services, including Google Mobile Ads.
Google and its advertising technologies may automatically collect certain information, which may include:
- IP address
- Device or advertising identifiers
- App interactions
- Advertising interactions
- Diagnostic information
- General device information
SMS content and financial transaction information extracted by the App are not provided to advertisers for targeted advertising.
Learn more about Google's privacy practices: Google Privacy Policy .
7. Google Analytics
The App may use Google Analytics for Firebase or related Google analytics services.
Analytics helps us understand App usage and improve performance, stability, features, and user experience.
Analytics services may process information such as:
- App interactions
- App launches
- Device information
- Operating system information
- App version
- Usage events
- Technical and diagnostic information
- App instance or similar identifiers where applicable
We do not intentionally send the contents of your SMS messages or extracted financial transaction details to Google Analytics as analytics events.
8. In-App Purchases
Expense Tracker from SMS may offer premium features, subscriptions, or other in-app purchases through Google Play.
Purchases are processed by Google Play. We do not directly collect or store your complete payment card or banking information when you make a purchase through Google Play.
We may receive information necessary to verify purchases, such as purchase status, product identifiers, subscription status, or transaction-related identifiers.
9. Third-Party Services
The App may use third-party services including:
- Google Play Services
- Google Mobile Ads
- Google Analytics for Firebase
- Google Play Billing
These services may process certain information according to their respective privacy policies and terms.
10. Advertising and SMS Data
We do not use SMS messages, transaction SMS content, or financial information extracted from SMS messages to create advertising profiles.
We do not sell this information to advertisers.
Advertising SDKs integrated into the App may independently process device identifiers, advertising interactions, diagnostics, and related information according to their own policies.
11. Data Sharing
We do not sell your personal SMS content or extracted financial transaction information.
Information may be disclosed when reasonably necessary:
- To comply with applicable laws
- To respond to valid legal requests
- To protect our legal rights
- To prevent fraud, abuse, or security threats
- To provide services through disclosed third-party providers
12. Data Security
We take reasonable technical and organisational measures designed to protect information handled by the App.
However, no electronic storage or transmission method can be guaranteed to be completely secure.
13. Data Retention and Deletion
Transaction information stored locally by the App may remain on your device until it is deleted through available App functionality, the App's data is cleared, or the App is uninstalled, depending on how the App is implemented.
Data independently processed by third-party services is subject to the retention policies of those services.
14. Children's Privacy
Expense Tracker from SMS is not designed for children under the minimum age required to independently consent to data processing in their jurisdiction.
We do not knowingly collect personal information from children in violation of applicable law.
15. Your Privacy Choices
You can:
- Manage SMS permission through device settings
- Manage notification permission
- Manage your advertising preferences where available
- Clear the App's local data
- Uninstall the App
16. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes to the App, third-party services, legal requirements, or our data practices.
The "Last Updated" date will be changed whenever this Privacy Policy is updated.
17. Contact Us
Terms & Conditions
Last Updated: July 28, 2026
Welcome to Expense Tracker from SMS.
These Terms and Conditions ("Terms") govern your access to and use of Expense Tracker from SMS.
By downloading, installing, accessing, or using the App, you agree to these Terms. If you do not agree, please do not use the App.
1. About the App
Expense Tracker from SMS is designed to organise supported transaction SMS messages and help users understand their financial activity.
Features may include:
- SMS transaction organisation
- Income tracking
- Expense tracking
- Credit and debit summaries
- Daily spending insights
- Weekly reports
- Monthly reports
- Yearly reports
- Transaction history
- Spending charts
- Dark and light themes
2. Not a Bank or Financial Institution
The App does not control your bank accounts or execute financial transactions on your behalf.
3. Information Accuracy
The App may automatically identify transaction information from supported SMS messages.
Automatic processing may occasionally:
- Misidentify a transaction
- Miss a transaction
- Display an incorrect amount
- Categorise a transaction incorrectly
- Fail to recognise certain SMS formats
You should not rely solely on the App to determine your official bank balance, financial position, tax obligations, accounting records, or payment status.
Always verify important financial information using your official bank or financial institution records.
4. SMS Access
Certain features require access to supported SMS messages.
By granting SMS permission, you authorise the App to access and process SMS information as described in our Privacy Policy.
You may revoke this permission through your device settings. Transaction detection features may stop working if SMS access is disabled.
5. User Responsibilities
You agree not to:
- Misuse the App
- Use the App for fraudulent or illegal activities
- Attempt to gain unauthorised access to related systems
- Interfere with the operation or security of the App
- Attempt to circumvent premium feature restrictions
- Reverse engineer the App except where permitted by applicable law
6. Advertisements
The App may display advertisements provided through third-party advertising services such as Google.
Advertising availability, frequency, placement, and format may change over time.
We are not responsible for products, services, websites, or content offered by third-party advertisers.
7. In-App Purchases
The App may offer premium features, subscriptions, or other in-app purchases.
Purchases made through Google Play are processed by Google and are subject to Google's applicable payment terms.
8. Subscriptions
If the App offers subscriptions, subscriptions may automatically renew unless cancelled according to Google Play's subscription rules.
You can manage or cancel subscriptions through your Google Play account.
9. Refunds
Payments and refund requests for purchases made through Google Play are generally handled according to Google Play's applicable refund policies.
We do not guarantee that any refund request will be approved.
10. Third-Party Services
The App may integrate services including:
- Google Play Services
- Google Mobile Ads
- Google Analytics for Firebase
- Google Play Billing
Your use of these services may also be subject to the terms and policies of their respective providers.
11. Privacy
Our handling of information is described in our Privacy Policy.
By using the App, you acknowledge that you have reviewed the Privacy Policy.
12. Intellectual Property
Unless otherwise stated, the App, its original design, software, graphics, branding, text, and other original materials are owned by or licensed to us and are protected by applicable intellectual property laws.
13. Service Availability
We aim to keep the App available and functional but cannot guarantee uninterrupted or error-free operation.
Features may occasionally be unavailable due to:
- Maintenance
- Technical problems
- Device compatibility
- Operating system changes
- Third-party service interruptions
- Network problems
- Legal or policy requirements
14. Disclaimer
The App and its information are provided on an "as is" and "as available" basis to the extent permitted by applicable law.
Reports, charts, summaries, transaction classifications, and calculations are provided for informational and organisational purposes only.
They should not be considered professional financial, investment, tax, legal, or accounting advice.
15. Limitation of Liability
To the maximum extent permitted by applicable law, we will not be liable for indirect, incidental, special, consequential, or similar damages resulting from your use of or inability to use the App.
This includes losses resulting from reliance on automatically detected, calculated, or categorised transaction information.
16. Termination
You may stop using the App at any time by uninstalling it.
We may restrict access to certain services where reasonably necessary due to misuse, fraud, security concerns, legal requirements, or violations of these Terms.
17. Changes to the App
Updates may:
- Add new features
- Modify or remove existing features
- Improve performance
- Fix bugs
- Improve security
- Change third-party integrations
- Address legal or policy requirements
18. Changes to These Terms
We may update these Terms from time to time.
The "Last Updated" date will be changed whenever these Terms are revised.
19. Governing Law
These Terms are governed by applicable laws and regulations.
Nothing in these Terms limits mandatory consumer rights or protections available to you under applicable law.
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