Privacy Policy
This policy explains what information Balancio handles, how it is used, and the choices you have. Balancio is a personal money tracker for recording money you lend, money you borrow, and savings goals.
1. Information stored on your device
The information you enter is saved in a local database on your device, including:
- Contact names, phone numbers, notes, and contact photos you choose
- Receivables and payables: amounts, dates, due dates, categories, repayments, and notes
- Savings goals, contributions, and milestones
- App settings, such as notification and backup preferences
Balancio does not send this information to us or to any server. We cannot access it.
2. Advertising
Balancio displays banner ads served by Google AdMob. To show and measure ads, AdMob may collect and use:
- Your device's advertising identifier and related device information
- IP address and approximate location derived from it
- Information about ads you view or click
Google processes this information under its own privacy policy, available at policies.google.com/privacy. Your financial records, contacts, notes, and goals are never shared with Google or any other advertiser.
You can limit ad personalisation or reset your advertising identifier in your Android settings under Settings > Privacy > Ads.
3. Permissions the app requests
| Permission | Why Balancio needs it |
|---|---|
| Internet | Loads ads from Google AdMob. |
| Notifications | Shows due-date reminders and goal milestone messages. You can turn these off in Settings. |
| Run at startup | Re-schedules pending reminders after your phone restarts. |
| Photos (through the system picker) | Lets you choose a contact photo. Balancio only reads the image you pick. |
| Files (through the system picker) | Lets you save and open backup and CSV files. Balancio only accesses files you select. |
4. Backups and exports
You can create a backup or export your records as CSV at any time. These files are created only when you ask for them. You choose where they go, and they leave the app only if you share them through your phone's share menu.
If you turn on weekly automatic backups, they are saved only to the app's private storage on your device. Android's automatic cloud backup is disabled for Balancio, so your records are not uploaded to Google Drive.
5. Notifications
Reminders are created on your device and shown locally. Balancio does not send push notifications from a server.
6. Third parties
Balancio uses one third-party service, Google AdMob, described in section 2. There are no analytics, crash-reporting, or tracking SDKs in the app.
7. Children
Balancio is not directed to children under 13, and we do not knowingly collect information from children. Contact details entered by a user describe people in that user's own records.
8. How long data is kept
Your records stay on your device until you delete them. Uninstalling Balancio removes its local database and the backups kept in app storage. Export a backup before uninstalling if you want to keep your records.
9. Your choices
- Edit or delete any contact, record, or goal inside the app.
- Create and save backups or CSV exports whenever you want.
- Turn notifications and weekly backups on or off in Settings.
- Limit ad personalisation or reset your advertising ID in Android settings.
- Uninstall the app to remove all of its local data.
10. Security
Your data is stored in the app's private storage, which other apps cannot read. Balancio does not transmit your financial records over the network. Keep your phone's screen lock enabled, since it protects anything stored on the device.
11. Changes to this policy
If this policy changes, we will update the page and the date at the top. Material changes will be described in the app or on this page before they take effect.
12. Contact
For questions about this policy, use the developer contact details shown on the Balancio listing on Google Play.