Privacy Policy

1. Important Information and Who We Are

This privacy policy gives you information on how Voxpense collects and processes your personal data through your use of this application, including any data you may provide when creating an account, setting up regional currency preferences, recording voice expenses, scanning receipts/bills, inviting friends via referral, or purchasing a subscription.

2. The Data We Collect About You

We may collect, use, store, and transfer different kinds of personal data about you which we have grouped together as follows:

• Identity Data: Includes name, display name, username, profile photo (if provided), or similar identifiers.
• Account & Contact Data: Includes email address and basic authentication tokens.
• Location Data (Optional): If you grant approximate location permission, we collect coarse location data, including country, state/region, city, and approximate latitude and longitude coordinates. We only access coarse/approximate location; we never access fine GPS coordinates or track background movements.
• Contacts / Address Book Data (Optional): If you choose to use the Refer & Earn feature, the app accesses your device contacts on-device to let you select contacts to share invitation links with. This data is processed ephemerally on your device and is never uploaded, transferred, or stored on our external servers.
• Financial & Transaction Data: Includes manual and voice-logged income and expense entries, account balances, bills, budgets, payment categories, and savings goals.
• Audio Data: Includes temporary voice audio recordings used for real-time speech-to-text parsing of expense commands. Voice inputs are processed in real-time and are not stored permanently.
• Visual & Image Data: Photos of bills, receipts, or invoices captured by your camera or selected from your photo library for optical character recognition (OCR) and expense extraction.
• Subscription & Purchase Data: Includes subscription plan status, transaction identifiers, and renewal dates managed securely through Google Play In-App Billing and Apple App Store In-App Purchases. We do not collect or store your payment card numbers.
• Technical & Diagnostic Data: Includes device model, operating system version, anonymous device identifiers, IP address, crash logs, and performance diagnostics.

3. Information We Collect and Why

• Account Management: To create, authenticate, and manage your user account.
• Regional & Currency Localization (Location Access): With your explicit permission, coarse location coordinates (city, state, country) are used during onboarding/setup to automatically detect your country and suggest your primary local currency and regional formatting. This feature is optional; you can decline permission and select your currency manually.
• Expense Tracking & Financial Insights: To organize your transactions, calculate budgets, send bill reminders, and display spending analytics.
• Voice Expense Logging: Voice audio is processed into text so you can log transactions hands-free. Audio is discarded immediately after transcription.
• Bill & Receipt Scanning (OCR): Receipt photos you capture or upload are processed using OCR and AI parsing models strictly to extract amounts, dates, and merchant details into expense entries.
• Refer & Earn (Contacts Access): With your explicit permission, the app accesses your device address book so you can pick friends to invite. Voxpense never syncs your contacts to external servers, never stores your address book, and never shares or sells contact details.
• Subscriptions & In-App Purchases: In-app subscriptions are processed directly and securely through Google Play and Apple In-App Purchase. We only store the resulting purchase token and subscription expiry date to unlock premium features.
• App Stability & Analytics: To detect crashes, improve parsing accuracy, and monitor performance.

4. Third-Party Services

We partner with trusted service providers to deliver core app functionality, analytics, and advertising. These providers adhere to strict data protection standards:

• Google Play Services & Apple App Store: For in-app purchase and subscription processing.
• Firebase (Google): For secure authentication, cloud messaging (push notifications), remote configuration, crash reporting (Crashlytics), and analytics.
• Google Mobile Ads (AdMob): For serving ads to non-premium users.
• Google Speech-to-Text: For transcribing voice commands into text expense entries.
• Gemini AI: For processing receipt and bill scan images/text to extract transaction data.
• AppsFlyer: For install attribution and marketing analytics.

5. Permissions Requested

Voxpense only requests permissions strictly required for features you choose to enable:

• Location (Approximate Location / ACCESS_COARSE_LOCATION / NSLocationWhenInUseUsageDescription): Optional. Used during setup to automatically detect your country and select your default currency (e.g., INR, USD, EUR) and regional settings. Voxpense only requests approximate (coarse) location, never requests precise GPS tracking or continuous background location access, and never sells or shares your location with advertisers or third parties.
• Contacts: Optional. Used exclusively within the Refer & Earn screen to allow you to easily find and invite friends from your contact list. Contact data is processed strictly in-memory on your device and is never uploaded or saved to our servers.
• Camera: Required to capture photos of receipts, invoices, and bills for automatic scanning, or to take a profile picture.
• Storage / Photos: Required to select existing receipt photos or document files from your gallery.
• Microphone: Required to record voice commands for voice-based expense entries.
• Notifications: Required to deliver bill payment reminders, budget alerts, and transaction updates.
• Biometric Authentication (USE_BIOMETRIC / USE_FINGERPRINT / NSFaceIDUsageDescription): Used strictly on-device to lock and unlock the application securely. Biometric data never leaves your device.
• Note: Voxpense does not request, read, or collect device SMS or call logs.

6. How We Use Your Personal Data

We only process your personal data for legitimate purposes, including:

• Delivering core personal finance tracking features (logging transactions, managing budgets, and scanning receipts).
• Detecting your preferred country and currency during setup with your permission.
• Authenticating your login across your devices.
• Managing premium subscriptions and referral rewards.
• Providing user support and resolving technical issues.
• Improving app performance, security, and AI parsing accuracy using aggregated or anonymized data.

7. Data Security

We implement strict industry-standard technical and organizational security measures, including HTTPS/TLS encryption in transit, secure token-based authentication, and restricted access controls to prevent your personal data from being unauthorizedly accessed, disclosed, or lost.

8. Data Retention and Deletion

Voxpense provides the following ways to manage and delete your data:

9. Children's Privacy

Voxpense is not directed to children under the age of 13 (or under 18 depending on your jurisdiction), and we do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information without parental consent, we will take immediate steps to delete such information from our servers.

10. Your Legal Rights

Under applicable data protection laws (including GDPR, CCPA, and applicable local privacy regulations), you have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate or incomplete data.
• Request permanent erasure of your personal data.
• Object to or restrict the processing of your personal data.
• Export or download your financial data.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us:

Entity: Pixerfect Solutions LLP

info@voxpense.app

Website: https://www.voxpense.app