Privacy
Privacy policy
Debt Tracker keeps everything on your phone. It has no account, no server, and doesn't hold the permission it would need to reach the internet, so it can't send your information anywhere by itself. Data leaves the phone only when you share it yourself, through an app you pick, and nothing about you reaches the developer.
No internet permission
Android lists every permission an app holds. Debt Tracker's list doesn't include INTERNET, so the operating system won't let it open a network connection at all. You can see this for yourself: open Settings, go to Apps, pick Debt Tracker, and look under Permissions. An app that can't touch the network can't upload what you enter.
No account, no server
There's nothing to sign up for: no email, no password, no profile. The people you split with are names you type in, not accounts. Because there's no server behind the app, there's no copy of your data sitting somewhere else to leak, sell, or subpoena.
What the app stores, and where
The people you add, your transactions and how they were split, your groups, categories, comments, any receipt photos you attach, and your settings (including the name you use in shared groups) are saved in a database on your device. That database stays in the app's private storage. It isn't shared with other apps, and it leaves the phone only when you share something yourself: a backup, a month's totals, or a group (below). Android's own cloud backup is switched off for the app, so the database isn't copied to your Google account either.
Sharing a group
Sharing only happens when you start it. When you tap Share on a group, the app writes one file and hands it to Android's share sheet. You pick the app that carries it: Quick Share, Bluetooth, a messenger, or email.
The file holds the group's name and note, its members' names, and the group's expenses and payments: descriptions, amounts, dates, categories, who paid, and how each one was split. The name you set under Your name is how you appear in it. Receipt photos, comments and recurring charges are never included.
Anyone who receives the file can read it, and the app that carries it handles it under that app's own privacy terms. Send it to the people in the group and no one else.
When you open a group file someone sent you, the app copies it into its private storage to read and merge it. Opening a file never sends anything back. Working copies of files you share or open are deleted once they are a day old, the next time you share or open a group file.
Backups you control
Automatic backups write to a folder you choose through Android's own document picker. They belong to you: they survive uninstalling the app and moving to a new phone, and you can open, copy, or delete them like any other file. If the folder you pick happens to be inside a cloud-synced directory, that sync is yours and under your control. The Share button next to your backups hands a backup file to an app you pick, the same way a shared group travels. The app itself never uploads a backup.
Permissions the app may ask for
- Photos / media: only if you attach a receipt image to a transaction, and only for the image you pick.
- Notifications: only if you turn on reminders for recurring charges.
- Storage / a folder: the folder you grant for backups, through the system picker.
Each one is optional and tied to a feature you chose to use. Sharing a group needs no permission of its own. There is no location, contacts, microphone, or advertising access, because the app has no use for them.
No analytics, no ads, no tracking
Debt Tracker contains no analytics, no advertising, and no third-party trackers or SDKs that report usage. Nobody is measuring how you use it, because there's no channel for that measurement to travel down.
Open source
Debt Tracker is licensed under the GNU General Public License v3.0, and the source is available. That's what makes the claims on this page checkable rather than promises: the code that runs on your phone is the code you can read.
Children
The app is a plain expense tracker suitable for general audiences. It collects nothing, so it collects nothing from children either.
Contact
Questions about privacy or the app: aglabs090@gmail.com.
Changes to this policy
If this policy ever changes, the updated date at the top will change with it. Since the app collects nothing and sends nothing by itself, any change is far more likely to be a clarification than a new practice.
22 September 2026: added Sharing a group, for the shared groups that arrived in version 3.4, and the note that Android's cloud backup is off for the app.