Smart Expense

Effective date: 10 October 2026 · Applies to the Smart Expense Android app (com.axiviontech.finance_track)

1. Who we are

Smart Expense is developed by Rahul Thatipamula, publishing as Axiviontech ("we", "us"). You can reach us at axiviontech@gmail.com.

2. Data that stays on your phone

The core of Smart Expense works fully offline. The following is stored only on your device, in an encrypted local database, and is never sent to us:

• Your transactions (amount, type, category, date, note), spaces, categories, budgets, bills and subscriptions you track, split bills, wealth and time entries, and app settings.
• Backups you create, saved to your device's Downloads folder.
• Receipt scanning: photos you choose are read on your device (Google ML Kit on-device text recognition). The photo and its text are not uploaded.
• Payment detection (optional): if you grant notification access, the app reads payment notifications from UPI, wallet, bank and card apps and bank SMS on your device, to offer to add each payment. These notifications are processed on your device and never uploaded.
• Speech recognition: your voice is turned into text by your phone's on-device speech recognizer. Audio is never recorded or uploaded by the app.
• App lock: fingerprint or face unlock is handled by Android; we never receive biometric data.

3. Optional online features

3.1 Account (Google sign-in)

If you choose to sign in with Google, we use Firebase Authentication and store an account record in Google Firebase (Cloud Firestore, Mumbai region) containing:

• Your name, email address, profile photo and a Firebase user ID.
• Your AI credit balance and credit history (credits earned and spent, with dates).
• How many reward ads you have watched today (for the daily limit).
• App version, language, time zone and when you last opened the app.
• A push-notification token (Firebase Cloud Messaging), so we can send notifications.
• If you subscribed to a monthly plan: the plan, its status and renewal date.
• Refer & earn: your referral code, how many friends joined with it and the credits earned; and, if you joined with a friend's code, which account invited you.

Only you can read your account record from the app; it is written only by our server.

3.2 AI voice entry

When you use voice entry, the text of what you said, your category names, today's date and your time zone are sent over an encrypted connection to our server (Google Cloud Functions), which uses OpenAI's API to understand it and returns the entries to your phone. Then:

• We do not store what you said. The understood result is kept for up to about 15 minutes, only so a dropped connection can be retried without charging you twice, and then deleted.
• We keep a voice activity record (time, whether it worked, credits used, but not your words or amounts) for 90 days.
• OpenAI processes the text under its API terms, which state that API data is not used to train its models and may be kept for a limited time for abuse monitoring. See OpenAI's privacy policy.

3.3 Advertising (Google AdMob)

The app shows ads served by Google AdMob, including optional reward ads that give AI credits. Google may collect device information such as your Advertising ID, IP address and ad interactions to show and measure ads, as described in Google's advertising policies. When you finish a reward ad, AdMob tells our server your user ID and a transaction ID so we can add the credits. You can reset your Advertising ID or turn off ad personalisation in your Android settings.

The app also shows its own announcements (for example about Refer & earn). To fetch them, the app asks our server for the current announcement without sending any account or device identifier; our server only counts views and taps in total. Like any web request, it reveals your IP address to Google Cloud, which we do not store.

3.4 Purchases (Google Play Billing)

AI credit recharges (one-time purchases) and any earlier monthly plans are paid through Google Play. We never see your card, UPI or bank details. Our server receives the purchase's order ID, product and status (and, for plans, the renewal date) from Google Play to add your credits, and stores a scrambled (hashed) form of the purchase token. Plans can be cancelled any time in Google Play.

3.5 Feedback

If you send ideas from “Share your ideas”, we store your rating, the options you tapped, your message, the app version and language, together with your name, email address and user ID so we can follow up. We use it only to improve the app.

3.6 Family & Friends groups

Groups are optional shared money books for family and friends (up to 10 groups per person). They never use your personal entries: a group only contains entries that members add to that group on purpose. If you create or join a group, we store in Cloud Firestore (Mumbai region):

• The group's name, who created it, its invite code and member limit.
• For each member: name, email address, profile photo, user ID, role (creator or member), tags the creator gives them, when they joined, and their sharing choices.
• Entries added to the group: income or expense, amount, category and date, and who added them. Groups have no notes or comments.
• Monthly totals per member and category, worked out from those entries.
• Invitations: the group, who sent it, and the invited person's email address.

Who sees what: the other members of the group see your name, email, photo and tags, and your monthly totals and categories only as far as your “What I share” settings allow (income, expense, and all or chosen categories). They never see individual entries you added, and nothing outside the group. Only our server reads group data, and it checks membership and your sharing choices on every request. When you leave or are removed from a group, your entries and totals in it are deleted. When the creator deletes a group, everything in it is deleted.

3.7 App integrity

To protect the online features from abuse, requests to our server are checked with Firebase App Check and Google Play Integrity, which confirm the request comes from a genuine copy of the app on a real device.

4. Permissions the app may ask for

5. How we use data

• To provide the features you use: voice entry, AI credits, purchases, Refer & earn, Family & Friends groups, feedback and notifications.
• To prevent abuse, such as daily limits, duplicate rewards and fake purchases.
• To keep the service working and secure.

We do not sell your data, and we do not build advertising profiles. Advertising is handled by Google AdMob as described above.

6. Who we share data with

• Google: Firebase (sign-in, database, server functions, App Check, notifications), AdMob (ads), Google Play (billing, integrity). See Google's privacy policy.
• OpenAI: the text of voice entries only, to understand them.
• Other members of your groups: what is described in section 3.6, as far as your sharing choices allow.
• Authorities, only if required by law.

7. How long we keep data

8. Security

Data on your phone is kept in encrypted app storage. Connections to our server use HTTPS. Account records are protected by Firebase security rules so that only you can read yours, and group data can only be reached through our server, which checks membership and sharing choices. No system is perfectly secure, so we also recommend a screen lock and the app lock.

9. Your choices and rights

• Use it without an account. Every offline feature works without signing in.
• Sign out at any time in the Account tab.
• Delete your account in the app (Account → Delete account), or request deletion here. This permanently deletes your account record, credits and history, removes you from your groups (with your group entries), and deletes the groups you created. Please cancel any subscription in Google Play first.
• Delete your entries in the app, or uninstall it to remove everything on your phone.
• Ads: reset your Advertising ID or turn off ad personalisation in Android settings.
• Requests: email axiviontech@gmail.com to access, correct or delete your account data, including under India's Digital Personal Data Protection Act, 2023 where it applies.

10. Children

Smart Expense is not intended for children under 13, and we do not knowingly collect data from them. If you are under 18, please use the online features with your parent's or guardian's consent.

11. Changes to this policy

We may update this policy when the app changes or the law requires. We will post the new version here with a new effective date, and tell you in the app about important changes.

12. Contact

Rahul Thatipamula (Axiviontech)
Email: axiviontech@gmail.com
App: Smart Expense on Google Play