Privacy Policy

Simple Wallet ("we", "our", or "the app") is committed to protecting your privacy. This Privacy Policy explains how we handle your information when you use our mobile application.

Information We Collect

We do not collect any personal financial information.

Simple Wallet is designed with privacy in mind:

• All your financial data (wallets, transactions, notes) is stored locally on your device only
• We do not have access to your financial data
• We do not transmit your financial data to any servers
• We do not operate any server or account system — there is nothing to sign up for
• We do not add analytics, crash-reporting or usage-tracking SDKs of our own

Simple Wallet does show ads, and the advertising provider collects data for that purpose. We never receive it, and it never includes your financial data — but it is collected, so it is set out in full under Advertising below rather than glossed over here.

Advertising

Simple Wallet uses Google AdMob to show optional rewarded video ads — the kind you choose to watch in exchange for unlocking a colour theme. There are no banner ads and no ads that interrupt you. To serve them, AdMob may collect:

• Device identifiers (advertising ID)
• IP address (for general location-based ad serving)
• Device information (model, OS version)

This information is collected by Google, not by us, and is used solely for the purpose of serving advertisements. We do not have access to this data.

For more information about how Google handles your data, please review Google's Privacy Policy.

You can opt out of personalized advertising by adjusting your device's ad settings.

Buying Pro removes ads entirely, and with them the collection described in this section.

Your Consent Choices

If you are in the European Economic Area, the United Kingdom or Switzerland, Simple Wallet asks for your consent before any ad is requested, using Google's User Messaging Platform (UMP). Your choice is recorded on your device.

Two things worth stating plainly:

• The app fails closed. If consent has not been given, or the consent check itself fails, no ad is requested at all.
• You can change your mind. Open Settings → Privacy options in the app to reopen the consent form, or reset your advertising ID in your device settings. That row appears only in regions where an ongoing choice is required, since elsewhere it would do nothing.

Declining consent does not limit any part of the app other than rewarded ads — every tracking, budgeting and export feature works exactly the same.

In-App Purchases

Simple Wallet offers a single one-time Pro upgrade, sold through Google Play Billing. Google processes the payment; we never see or store your card details, billing address or any other payment information.

The app asks Google Play whether this device owns the Pro upgrade so it knows whether to enable Pro features, and caches the answer locally. That check contains no financial data from your wallets.

For refunds, see our Refund Policy.

Data Storage

Your financial data is stored locally on your device using a secure SQLite database. This includes:

• Wallet names
• Transaction amounts, dates, and notes
• App settings and preferences

This data never leaves your device unless you explicitly choose to export it using the backup feature.

Permissions

Simple Wallet may request the following permissions:

• Biometric authentication: Used only for app lock feature, if enabled by you
• Notifications: Used only for daily reminders, if enabled by you
• Storage: Used only for import/export backup features
• Internet: Used only for rewarded advertisements via Google AdMob and for purchase and entitlement checks via Google Play Billing. Tracking your money needs no connection at all.

Third-Party Services

Simple Wallet uses the following third-party services, and no others:

• Google AdMob — for optional rewarded video advertisements. Google Privacy Policy
• Google User Messaging Platform — for collecting and recording your ad-consent choice where the law requires one. Google Privacy Policy
• Google Play Billing — for the one-time Pro purchase and for checking whether this device already owns it. Google Privacy Policy

Data Security

Since all data is stored locally on your device:

• Your data is protected by your device's security features
• If you enable biometric lock, the app requires authentication to access
• We recommend keeping your device secure and using the biometric lock feature

Data Deletion

You can delete all your data at any time by:

• Deleting individual transactions or wallets within the app
• Clearing the app's data through your device settings
• Uninstalling the app (this removes all local data)

Children's Privacy

Simple Wallet is a general-purpose personal finance tool. It is not directed to children under 13, and we do not knowingly collect information from them. If you believe a child has provided information through the app, contact us at the address below and we will address it.

Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date.