CashLedzz — Personal Finance Tracker
CashLedzz ("the App", "we", "us", "our") is a personal finance tracking application designed to help you manage your expenses, income, budgets, savings goals, and recurring transactions.
CashLedzz offers a free tier with core functionality and an optional one-time, lifetime premium upgrade ("CashLedzz Pro") available as an in-app purchase through Google Play. The purchase process is handled entirely by Google Play Billing and RevenueCat. We do not process, store, or have access to your payment credentials.
By downloading, installing, or using CashLedzz, you agree to the terms outlined in this Privacy Policy and Terms of Use.
All financial data, settings, preferences, and configurations are stored exclusively on your device using a local SQLite database. This includes expenses, income, accounts, budgets, goals, recurring transactions, custom categories, SMS transactions, app preferences, PIN hash, and premium status. None of this data ever leaves your device through the App.
CashLedzz does not provide cloud sync or cross-device synchronization for your financial data.
CashLedzz does not require you to create an account, register, sign up, or log in. There is no server-side user identity associated with your usage.
Your financial data is never transmitted over the internet, shared with third parties, or uploaded to any server. The only network activity relates to purchase validation and fetching this Privacy Policy document.
CashLedzz does not collect, access, store, or transmit:
We have zero analytics, zero tracking, zero advertising, and zero crash reporting integrated into the App.
| Data Type | Storage Location | Purpose |
|---|---|---|
| Expense & income transactions | SQLite database | Core tracking feature |
| Account details (names, balances, icons) | SQLite database | Account management |
| Budget configurations | SQLite database | Budget tracking |
| Financial goals & contributions | SQLite database | Savings goal tracking |
| Recurring transactions | SQLite database | Automation |
| Custom categories & income sources | SQLite database | Personalization |
| Detected SMS transactions | SQLite database | Smart detection feature |
| App settings (theme, currency, etc.) | SQLite database | Preferences |
| PIN hash (if app lock enabled) | Secure Store (encrypted) | Security |
| Recovery code hash | Secure Store (encrypted) | Security |
| Premium status | Local cache | Feature gating |
If you enable the Smart Detect feature, CashLedzz requests READ_SMS and RECEIVE_SMS permissions to scan your SMS inbox for bank transaction alerts.
SMS messages are parsed locally on your device to extract transaction amount, type, and date. The raw SMS text is stored temporarily in the local SQLite database for deduplication and is never transmitted to any server. Non-transactional SMS (personal messages, OTPs, promotional) are automatically filtered out and ignored.
The Smart Detect feature and SMS permissions are entirely optional. You can use CashLedzz fully without granting SMS permissions and can revoke them at any time through device Settings.
| Permission | Purpose | Required? |
|---|---|---|
| READ_SMS | Scan SMS for bank transaction alerts | Optional (Smart Detect) |
| RECEIVE_SMS | Real-time SMS transaction detection | Optional (Smart Detect) |
| POST_NOTIFICATIONS | Display local reminders and alerts | Optional |
| com.android.vending.BILLING | In-app purchase via Google Play | Automatic (for Pro upgrade) |
| Biometric sensor | Fingerprint/Face ID for app lock | Optional |
| File system (app-scoped) | Export and backup file creation | Automatic |
| Internet | Purchase validation and privacy policy fetch | Automatic (limited) |
CashLedzz does not request or access: Camera, microphone, location, contacts, call logs, or calendar.
Your PIN is hashed using SHA-256 before storage and is stored in your device's secure enclave. The actual PIN is never stored in plain text. A recovery code is generated when you set up your PIN — this is also hashed before storage.
Exported backup files include a cryptographic signature (SHA-256 hash) to detect tampering. If a backup file is modified outside the App, restoration will fail to protect data integrity.
You can export your data as XLSX, PDF, or JSON backup. Exported files are saved to your device or shared via the system share dialog. Once exported and shared, data is outside the App's control — you are solely responsible for its security.
All notifications generated by CashLedzz are scheduled and triggered locally on your device. No remote push notification server is used. All notification types are optional and can be individually disabled in Preferences or device Settings.
| Network Request | When It Occurs | Data Sent |
|---|---|---|
| Privacy Policy fetch | When you view the privacy policy in the App | None (standard HTTP GET) |
| Purchase validation | When you buy or restore CashLedzz Pro | Anonymous device ID + Google Play receipt |
| Entitlement check | Each time the App launches | Anonymous device ID |
There are no analytics SDKs, tracking libraries, event loggers, or telemetry services embedded in the App.
CashLedzz Pro is a one-time, lifetime in-app purchase that permanently unlocks premium features including unlimited accounts, budgets and goals, advanced charts, Finance Calendar, smart prediction notifications, cloud backup, dark theme, app lock & biometrics, unlimited exports and custom reports, and the full icon library.
All payments are processed through Google Play Billing. CashLedzz does not collect, process, or store any payment credentials. The purchase flow:
We use RevenueCat, Inc. to manage in-app purchase receipt validation and entitlement tracking. RevenueCat receives an anonymous device identifier and Google Play purchase receipts only. It does not receive your name, email, financial data, SMS messages, or payment credentials. For more information: revenuecat.com/privacy
Your CashLedzz Pro purchase is tied to the Google account signed into the Google Play Store at the time of purchase. You can tap "Restore Purchase" to recover your premium access at no additional cost after reinstalling or switching devices.
Refund requests are handled exclusively by Google Play in accordance with Google Play's refund policies. For assistance, contact us at cashledzz.support@gmail.com.
| Service | Purpose | Data Shared |
|---|---|---|
| Google Play Billing | Processing in-app purchases | Payment handled entirely by Google |
| RevenueCat | Purchase receipt validation and entitlement management | Anonymous device ID + purchase receipt |
We do not use any libraries from Google Analytics, Facebook SDK, Firebase Analytics, Amplitude, Mixpanel, Sentry, Bugsnag, or any similar data-collecting service.
CashLedzz performs a local check to determine if your device has been rooted. If detected, the App displays a warning informing you of the security risk. The App does not block functionality and the root status is never reported to us or any third party.
Since all data is stored locally, the security of your data is directly tied to the security of your physical device. We are not responsible for data exposure resulting from device theft, rooted devices, malware, shared devices, backup file mishandling, or device disposal without factory reset.
Recommended precautions: Enable PIN lock and biometric authentication, use a strong device lock screen, keep your OS updated, avoid rooted devices, and factory reset before selling your device.
When you uninstall CashLedzz, all locally stored data is permanently deleted by the operating system. Since we do not store any of your personal or financial data on any server, there is no residual data to request deletion of. Uninstalling the App constitutes complete data deletion.
CashLedzz is not intended for use by children under the age of 13. We do not knowingly collect or store information from children under 13.
THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. The App is a personal finance tracking tool, not a certified financial advisor, accounting software, or tax preparation tool. You should not rely solely on the App for financial, tax, legal, or investment decisions.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the App, including data loss, financial loss, or damages from device issues, incorrect SMS parsing, or third-party service outages. Our total liability, if any, shall not exceed the amount you paid for CashLedzz Pro.
By using CashLedzz, you agree to use the App only for lawful personal finance management purposes, not to reverse engineer or decompile the App, not to circumvent security features or premium feature gating, and not to redistribute, sell, lease, or sublicense the App.
CashLedzz Pro is a non-consumable, lifetime purchase. It does not auto-renew and there are no recurring charges. Premium features are delivered immediately upon successful payment verification. Refunds are governed by Google Play's refund policy.
CashLedzz, its name, logo, design, icons, and user interface are the intellectual property of the developer. You are granted a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes.
This Privacy Policy and Terms of Use shall be governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in India. Before initiating any legal proceedings, you agree to attempt to resolve disputes by contacting us directly.
We may update this Privacy Policy from time to time. The "Last Updated" date at the top reflects the most recent revision. Continued use of the App after changes are published constitutes your acceptance of the revised policy.
For questions, concerns, or support regarding this Privacy Policy or your CashLedzz Pro purchase:
Email: cashledzz.support@gmail.com