Privacy policy

Privacy Policy — Expense Tracker Last updated: October 22, 2026 · Developer: Samt · ID: com.samt.expensetracker (Android and iPhone)

Summary All your data stays on your device. The app has no servers, collects no data, shares nothing with anyone, and contains no ads, analytics or trackers.

Data the app processes Bank SMS messages: the app reads only messages from the sender names you configure in "Message patterns", to extract the amount, currency, date, merchant, balance and the masked last digits of the card or account shown in the message. What you enter: categories, notes, budgets, manual transactions and settings. This data is stored in a local database inside the app on your device only.

Why the app needs SMS permissions (Android) The app's core function is SMS-based money management. READ_SMS is used to read past bank messages when you tap refresh; RECEIVE_SMS is used to record a transaction the moment a bank SMS arrives when "Automatic capture" is on. A clear explanation is shown before the permission is requested, and you can deny or revoke it at any time in system settings. The app does not read personal messages and never sends SMS.

On iPhone The app requests no message permission and cannot read your messages. It receives a bank message only if you create an automation in the Shortcuts app that uses the "Add bank message" action, or if you paste the message yourself. The message text is parsed on your device and the transaction is stored locally. Messages that match no pattern are kept inside the app so you can create a pattern from them, and you can delete them at any time. You can turn off or delete the automation in the Shortcuts app whenever you like.

Notifications The notification permission is used to tell you about a new transaction or an exceeded budget. Notifications are entirely local.

Sharing and export No data leaves your device unless you explicitly choose to export it, for example an Excel report or a database backup shared through the system share sheet. The data then goes to the app or recipient you select.

Backups Automatic backups are stored in the app's private folder on the same device and are never uploaded.

Deleting data You can delete any transaction inside the app. Uninstalling the app or clearing its data in system settings permanently deletes all data and automatic backups.

Children The app is intended for adults managing their personal finances and is not directed at children under 13.

Changes and contact Any change to this policy will be published on this page with a new date. Contact: info@samt.qa