# Rupio – Privacy Policy

_Last updated: 3 November 2026_

Rupio ("the app") is a personal expense, credit card, EMI and savings
tracker. It is built to keep your money data **on your phone only**.

## Summary

- No account, no sign-up, no login to any bank.
- Everything you enter is stored only on your device.
- No analytics, no tracking, no data sold or shared.
- The developer runs no server and never receives your data.

## What the app stores

The accounts, cards, investments, loans, savings goals, budgets and
transactions you add, and your settings (theme, language, reminders).
This data is saved in the app's private storage on your phone. Receipt
photos you attach are copied into the app's private folder.

## Permissions and what they are used for

| Permission | Why | Leaves the phone? |
|---|---|---|
| Notifications | Card bill, EMI and recurring-entry reminders | No |
| Run at startup | Re-schedules reminders after the phone restarts | No |
| Camera / photos (only when you choose "Add receipt") | Attach a receipt photo to an entry | No |
| Internet | Only when you tap "Update fund prices": downloads public mutual fund NAVs from AMFI (amfiindia.com). No personal data is sent | No personal data |
| Read SMS (**only in the APK downloaded from GitHub, not in the Google Play version**) | When you turn on Auto-detect, bank SMS on the phone are read to fill in spends, bills and due dates | No |

Statement PDFs you open or share with the app are read on the phone and
are not uploaded anywhere.

**Gmail (optional, APK from GitHub only):** if you connect Gmail, the app
asks Google for read-only access to bank alert emails and statement PDFs.
They are downloaded straight from Google to your phone and processed there.
You can disconnect at any time from the app or from your Google account.
The Google Play version does not offer Gmail access.

## Sharing

The app does not share data with anyone. Data only leaves your phone when
you choose to: exporting a CSV, Excel or PDF report, or saving a backup,
which you send wherever you pick (for example Google Drive or email).

## Deleting your data

Delete entries, accounts, cards, loans or goals inside the app at any time.
Uninstalling the app, or clearing its storage in Android settings, deletes
everything it stored. Backups you exported yourself are not affected.

## Contacting support

Contact support and Report a bug in Settings open your own email app with
a draft addressed to the developer. A bug report draft includes the app
version, Android version and phone model so the problem can be found. You
see the whole email before sending it, and nothing is sent unless you send
it yourself.

## Children

The app is meant for adults managing their own money and is not directed
at children.

## Changes

If this policy changes, the new version will be published at this address
with a new date.

## Contact

Questions about privacy: maheshraikg@gmail.com