Privacy Policy

Last updated:

Cent Track ("we", "our", "the app") is a personal finance and budget tracking app. This Privacy Policy explains what information the app collects, how it is used, and the choices you have. Cent Track is built for individual, personal use — it is not a bank, a financial institution, or a provider of financial advice.

Information We Collect

Cent Track stores the data you choose to enter directly in the app. We do not connect to your bank or pull financial data from any external source — everything is entered manually by you. This includes:

Account information you create (e.g. display name, email address, and password if you create an account, or nothing at all if you use the app as a guest)
Financial data you enter: accounts, transactions, budgets, savings goals, and bills — including amounts, categories, and dates
An optional profile photo, stored as part of your account data
App preferences such as your selected currency, language, theme, and notification settings

Guest (Anonymous) Use

You can use Cent Track without providing any personal information by continuing as a guest. In this mode, an anonymous identifier is created so your data can be saved and synced to your device, without being tied to an email address or name. You can upgrade a guest session to a full account at any time without losing your data.

How We Use Your Information

To provide the core functionality of the app — storing and syncing your accounts, transactions, budgets, goals, and bills across your sessions
To send local bill-reminder notifications on your device, based on reminders you set
To remember your app preferences (currency, language, theme)

We do not sell your personal or financial information to anyone, and we do not use your financial data for advertising targeting.

Third-Party Services

Cent Track relies on the following third-party services to operate:

Google Firebase (Authentication and Firestore database) — used to securely store your account and app data. See Google's Privacy Policy.
Google AdMob — used to display advertisements within the app. AdMob may collect device and advertising identifiers to serve and measure ads. See Google's Ads Policy.

Data Storage & Security

Your data is stored in Google Firebase and is only accessible to your account. Access to your data requires authentication, and each account can only read and write its own data. Photos are stored as part of your account record and are never uploaded to a public file host.

Your Choices

You can edit or delete any account, transaction, budget, goal, or bill at any time from within the app.
You can turn notifications on or off at any time from your device settings or the app's Profile screen.
You can permanently delete your account and all associated data from the Profile screen's "Delete Account" option. This action cannot be undone.

Children's Privacy

Cent Track is not directed at children under the age of 13, and we do not knowingly collect personal information from children under 13.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes to the app or applicable law. The "Last updated" date at the top of this page reflects when the policy was last revised.

Contact Us

If you have questions about this Privacy Policy or how your data is handled, contact us at appdevad@icloud.com.