Privacy Policy
Last updated: March 01, 2026
This Privacy Policy describes how SKA Technologies ("we," "us," or "our") collects, uses, and discloses your information when you use our mobile application, Spendro Expense Manager (the "App").
By using the App, you agree to the collection and use of information in accordance with this policy.
1. Information We Collect
A. Information You Provide to Us (Locally Stored)
The App is designed to store your personal financial data locally on your device. We do not transmit your personal financial data to our servers.
- Financial Information: Expenses, income, budgets, loans, and subscription details you enter into the App are stored in a local database on your device.
- Biometric Data: If you enable biometric authentication (Face ID or Touch ID), the App uses the device's local authentication mechanisms. We do not collect or store your biometric data; it remains on your device.
B. Information Collected Automatically (Third-Party Services)
We may use third-party services that collect information used to identify you or your device to provide specific features, such as advertising and analytics.
- Usage Data: Information about how you use the App, such as button clicks and screen views.
- Device Information: Device model, operating system version, and unique device identifiers (e.g., Advertising ID).
- Diagnostics: Crash logs and performance data to help us improve the App's stability.
2. Third-Party Service Providers
We use the following third-party services which may collect information used to identify you:
- Google AdMob: We use Google AdMob to display advertisements. Google may use your device's Advertising ID to serve personalized ads based on your interests. You can opt-out of personalized advertising in your device settings.
- In-App Purchases (Apple/Google): Transactions are processed securely by the respective app store (Apple App Store or Google Play Store). We do not have access to your credit card or payment account details.
3. How We Use Your Information
We use the collected information for the following purposes:
- To Provide the Service: To allow you to track expenses, manage budgets, and use core features of the App.
- To Improve the App: To analyze usage trends and fix crashes or bugs (via third-party analytics/diagnostics).
- To Show Advertisements: To display relevant ads via Google AdMob, which helps support the free version of the App.
- To Process Payments: To facilitate premium upgrades via In-App Purchases.
4. Data Retention and Deletion
- Local Data: Your financial data (expenses, budgets, etc.) is stored locally on your device. You can delete this data at any time by uninstalling the App or using the "Clear Data" feature within the App settings.
- Third-Party Data: Data collected by third-party services (like Google AdMob) is retained according to their respective privacy policies.
5. App Permissions
The App may request the following permissions:
- Biometrics (FaceID/TouchID): To secure access to the App.
- Notifications: To send reminders for daily expenses or budget alerts.
- Tracking (iOS): To ask for permission to track your activity across other companies' apps and websites for advertising purposes (App Tracking Transparency).
6. Children's Privacy
Our App is not intended for use by children under the age of 13. We do not knowingly collect personally identifiable information from children under 13. If we discover that a child under 13 has provided us with personal information, we will delete it immediately.
7. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes.
8. Jurisdiction
This Privacy Policy is governed by the laws of India. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of the courts in India.
9. Contact Us
If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.