CashPilot Privacy Policy

 

CashPilot User Agreement & Privacy Policy

Effective Date: August 14, 2025

Please read and agree to this User Agreement & Privacy Policy (hereinafter referred to as “this Agreement”) carefully before using CashPilot (hereinafter referred to as “the App” or “CashPilot”). Installing or using the App indicates that you have read, understood, and agreed to be bound by this Agreement.

This Agreement contains both the Terms of Service (usage rules) and the Privacy Policy (data and permissions statement). If you do not agree with any term herein, please stop using and uninstall the App immediately.

1. App Overview & Core Features

CashPilot is an offline-first personal finance tracking application. Main features include:

Bookkeeping Management

  • Add, edit, and delete transaction records (amount, category, type: expense/income, date, notes)

  • Category and category icon management (current version includes a built-in category set; custom category editing page is not included in this version)

Budget Management

  • Set monthly budgets for categories and view budget usage

Data Statistics & Charts

  • Weekly/monthly/yearly trend charts, category breakdown, net income/expense overview

Personalization

  • Support for multiple currency symbols and theme switching

Data Management

  • Local backup and restore (JSON file)

  • One-click local data wipe

Bookkeeping Reminders

  • Daily scheduled reminders (notifications), configurable in settings to enable/disable and set reminder time

Feedback

Note: The App does not provide an account system or cloud sync. Your personal data is not uploaded to any server by default.

2. Permissions & Purpose

To achieve the above functionality, the App requests the following permissions in AndroidManifest:

POST_NOTIFICATIONS (Android 13+)

  • Purpose: To display “bookkeeping reminder” notifications.

  • Note: This is an optional permission. If you deny it, only the reminder function will be affected; all other functions will still work. You can revoke permission anytime in system settings.

RECEIVE_BOOT_COMPLETED

  • Purpose: To restore scheduled daily reminders after device reboot.

  • Note: This permission does not initiate network connections or upload data on boot; it is solely for rescheduling local reminders.

Additional Notes:

  • The App does not request sensitive permissions such as location, contacts, SMS, camera, microphone, call logs, phone state, precise location, or read photos/media/files.

  • If future versions require new permissions, details will be stated in the changelog and updated in this Agreement.

3. Data Usage

Types of Data We Process

  • Transaction Data: Amount, category, type (expense/income), date, notes

  • Budget Data: Category budget amount, used amount

  • Settings Data: Currency, theme, reminder toggle and time preferences

  • Backup Data: JSON file containing the above data (generated when you manually perform a backup)

  • Runtime Logs: The current version does not include third-party analytics or crash reporting SDKs. Logs are only collected if you voluntarily send them via email feedback.

Data Storage & Processing

  • Local Storage: All business data and settings are stored only in your device’s private app storage space.

  • Backup Files: When you manually perform a backup in Data Management, the App generates a JSON file in the app’s dedicated directory (filename format: cashpilot_backup_timestamp.json). This file is stored in plain text for portability between devices.

Data Transmission & Sharing

  • No default network upload: The App operates without a server backend and does not automatically upload your data to us or third parties.

  • Voluntary Sharing Scenarios:

    • When sending feedback via email, your email content and any attachments (such as backups or screenshots) will be sent to our support email.

    • When you manually export/share a backup file, the recipient will have access to its contents.

  • Third-Party SDKs: No advertising, analytics, or social SDKs are integrated in the current version.

Data Retention & Deletion

  • Local Retention: Data remains on your device until you manually clear it or uninstall the App.

  • Deletion Methods:

    • Use “Clear Data” in Data Management to delete all local bookkeeping and budget data.

    • Uninstalling the App removes private app data. Backups saved elsewhere must be deleted manually.

  • Backup Security: As backups are stored in plain text JSON, please keep them secure and avoid sharing with untrusted parties.

4. Data Security & Privacy Measures

  • Private Storage: Data is stored in the app’s sandbox directory; other apps cannot directly access it.

  • Minimal Permissions: Only permissions essential to functionality are requested (notifications & reminder restoration after reboot).

  • Plain-Text Backup: Backups are stored as JSON in plain text for portability. We recommend encrypting them or storing in a secure location (e.g., a trusted cloud service) to prevent leaks.

  • Internal Access Control: The App only accesses your data where necessary for its functions and does not engage in unnecessary collection or processing.

While we implement reasonable security measures, no mobile application can guarantee absolute security. You acknowledge and accept potential risks in cases such as device loss, jailbreak/root access, or malware infection.

5. User Rights

  • Access & Correction: You can view and edit your transactions, budgets, and other data within the App.

  • Deletion & Withdrawal of Consent:

    • Use “Clear Data” in the App to delete all local data.

    • Revoke notification permissions anytime via system settings, or disable reminders in App settings.

  • Data Portability: Use the “Backup” function to export a JSON file for self-managed migration.

6. Protection of Minors

The App is intended for general users and not specifically designed for minors. If you are under the legal age of majority, please use the App under guardian supervision and seek consent before sharing or backing up data.

7. Fees & Business Model

The current version is free to use, without ads or in-app purchases. If the business model changes in future versions, updates will be reflected in the App and in this Agreement.

8. Disclaimer & Liability Limitation

  • The statistics, budget, and reminder functions are for personal financial recordkeeping and reference only; they do not constitute investment or financial advice.

  • We are not responsible for direct or indirect losses caused by device failures, system restrictions, denied permissions, power-saving/background restrictions, or user errors (such as deletion/overwriting/leakage of backups).

  • To the fullest extent permitted by applicable law, the App is provided “as is” without any express or implied warranties.

9. Updates & Changes to the Agreement

We may update this Agreement due to feature changes or changes in laws/regulations. Updates will be announced within the App or on the app store page, with the latest effective date indicated. Continuing to use the App after updates signifies your acceptance of the changes. If you disagree, please stop using and uninstall the App.

10. Contact Us

  • Developer Support Email: xia99910@gmail.com

  • Feedback Method: “Settings → Feedback” in the App will open your email client to send feedback.

Do not include sensitive personal information in feedback. Only submit logs or backups if you trust us and understand the associated risks.

11. Data Safety Self-Assessment (for Google Play Data Safety Form Reference)

  • Data Collected: Transactions, budgets, and settings are processed locally only; no automatic collection or transfer to servers.

  • Encrypted Transmission: Not applicable (no network transmission). If backups/logs are shared via email or third-party services, the chosen channel’s security applies.

  • Data Sharing: No sharing with third parties, except when you voluntarily share backups or email contents.

  • Data Deletion: Use “Clear Data,” uninstall the App, and/or delete self-saved backup files.

  • Optional Permission: POST_NOTIFICATIONS (for reminders); denial does not affect core bookkeeping features.

  • Required Permission: RECEIVE_BOOT_COMPLETED (for restoring reminders after reboot).

12. Governing Law & Dispute Resolution

Unless otherwise required by local laws, this Agreement is governed by the relevant laws of your jurisdiction. Any disputes arising from this Agreement or the use of the App will first be resolved through amicable negotiation. If unsuccessful, disputes will be submitted to a court of competent jurisdiction.

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