Privacy Policy for Wealth Compass

Wealth Compass ("the app") is a personal finance tracking app for Android. This policy explains what happens to your data when you use it.

Summary

Wealth Compass never collects, transmits, or shares your financial data — the accounts, transactions, holdings, budgets, and goals you enter always stay on your device. The app has no user accounts, no analytics, and no advertising. Starting with this version, the app can make a small number of narrowly-scoped network requests for optional features described below — none of them ever send your personal or financial data anywhere.

What data the app stores, and where

All financial data you enter (account balances, transactions, investment holdings, budgets, goals, and related notes) is stored in a local database on your device only. This data is never transmitted to us or to anyone else, under any circumstance.

Optional live price lookups

If you choose to link a holding to a live price source, the app can fetch the current market price for that specific stock, mutual fund, or cryptocurrency from public data providers (Yahoo Finance, AMFI, CoinGecko). These are read-only, one-way lookups: the app sends only the public ticker/symbol needed to look up a price, and nothing about you, your account, or your holdings is included in the request. This only happens when you explicitly link a holding and tap "Fetch now" — it does not happen automatically or in the background.

Backups

The app lets you create a backup of your data as a file, entirely at your own initiative:

• Manual backups are encrypted (AES) with a passphrase only you know, and saved to the app's private storage on your device.
• Automatic scheduled backups (if you turn this on in Settings) are saved unencrypted to the app's private storage, and optionally mirrored to your device's public Downloads folder so they survive an app uninstall.
• "Save a copy to..." lets you optionally hand a backup file to Android's own system file picker, so you can save it to a destination of your choice — for example a cloud storage app you already have installed, like Google Drive. The app itself has no integration with, and sends nothing directly to, any cloud service — it simply hands the file to the OS picker you interact with, exactly as if you were saving a photo or document from any other app.
• Restoring a backup (import) reads a file you select from your device's storage.

Backup files are never uploaded anywhere by the app on its own initiative. Where they end up is always a destination you explicitly chose.

Biometric lock

If you enable the optional app-lock feature, authentication is handled entirely by your device's own operating system (fingerprint/face/PIN, whichever you've set up). The app never receives or stores your biometric data — it only receives a yes/no result from the OS.

Permissions the app requests, and why

• Notifications — to remind you about upcoming bills, EMIs, and SIP installments you've set up. Purely local, scheduled on-device.
• Storage / file access — to let you export or import backup files, and to save automatic backups to your Downloads folder.
• Biometric hardware — only if you enable the optional app lock.
• Internet — used only for the optional live price lookups described above, and to let the system file picker reach a cloud destination you choose for "Save a copy to...". The app has no other use for network access.

None of these permissions are used to collect or transmit your financial data off your device.

Third parties

The app does not use any third-party analytics, advertising, or tracking SDKs, and does not share your financial data with anyone. The only external services the app ever contacts are the public price-lookup providers named above (Yahoo Finance, AMFI, CoinGecko), and only for the read-only ticker-price requests described there — none of which include any data about you.

Children's privacy

The app is not directed at children and does not knowingly collect any data from anyone, of any age — it doesn't collect data at all.

Your control over your data

Since everything is stored locally, you're always in full control:

• You can export your data (backup) at any time from Settings.
• You can delete your data at any time by uninstalling the app, or by clearing the app's data from Android's system settings.

Changes to this policy

If this policy changes, the updated version will be published at this same URL, with a revised "Last updated" date.

Contact

If you have questions about this policy, contact: hemanthkumar51@gmail.com

Wealth Compass is an offline-first personal finance app — your financial data stays on your device unless you explicitly choose to export or back it up elsewhere.