Privacy Policy

Smart Credit Ledger is designed with your privacy in mind.

We believe your financial data should stay on your device and under your control.

What We Don't Do

• We don't collect any personal information

• We don't send your data anywhere

• We don't use analytics or tracking

• We don't share your information with anyone

• We don't store your data on our servers

• We don't use third-party services

What We Do

• Store all your data locally on your device

• Let you export your data when you want to

• Let you import data from files you choose

• Send local notifications (only on your device)

• Keep everything private and secure

Your Data

What's stored on your device:

• Credit card information you enter

• Household member details

• Notification preferences

• App settings

How it's protected:

• Everything stays on your device

• Uses your device's built-in security

• No internet connection required

• You control everything

Data Export/Import

• Export: Creates a file on your device with your data

• Import: Reads files you select from your device

• You choose when and how to transfer your data

• We never see or process your files

Notifications

• Local notifications only (on your device)

• You can turn them on/off anytime

• No external notification services

• Notifications stay private

Your Rights

You have complete control:

• Access all your data anytime

• Delete anything you want

• Export your data whenever

• Delete the app and all data

• Contact us with questions

Data Retention

• Your data stays on your device as long as you use the app

• Delete the app = delete all data

• No automatic deletion

• You're in control

Children's Privacy

This app is not intended for children under 13. We don't collect any information from anyone.

International Users

• Your data stays on your device

• No cross-border transfers

• Follows your local privacy laws

• You're responsible for compliance

Changes to This Policy

We may update this policy occasionally. We'll update the date above if we make changes.

Contact Us

Questions about privacy? Contact us: robert@vdtkm.com

Final Note

By using Smart Credit Ledger, you understand that your data stays on your device and under your control. We're committed to keeping it that way.