# Privacy Policy

**Effective Date:** January 30, 2026

**Last Updated:** January 30, 2026

This Privacy Policy describes how **Packet Ledger** (“we,” “us,” or “our”) collects, uses, and shares information when you use our mobile application (“the App”).

We are committed to protecting your privacy. Packet Ledger is designed with a **privacy-first, local-only** approach. This means your financial data stays on your device and is never uploaded to our servers.

—

### 1. Information We Collect

#### A. User-Provided Information

The App allows you to input financial data, including:

* **Transactions:** Income, expenses, transfers, and descriptions.

* **Accounts:** Bank/MFS account names, types, and balances.

* **Budgets:** Spending limits and categories.

* **Encrypted Attachments:** Images or documents (e.g., receipts) you choose to attach to transactions.

* **Counterparty Details:** Names, phone numbers, and emails of people/businesses you interact with.

#### B. Permissions

To provide its functionality, the App may request the following permissions:

* **Contacts (READ_CONTACTS / WRITE_CONTACTS):** To allow you to easily add counterparties from your address book. We do **not** upload your contacts to any server.

* **Biometrics (FaceID/TouchID/Fingerprint):** To secure your data locally on your device.

* **Storage/Files:** To allow you to attach receipts or export data backups.

* **Camera:** To take photos of receipts for attachments.

#### C. Automatically Collected Information

* **Device Information:** We may collect basic device metadata (e.g., device model, OS version) for the purpose of local data synchronization logic and app performance, but this data is stored locally.

* **Unique Device ID:** A local identifier used to manage the sequence of events in our encrypted local database.

—

### 2. How We Use Information

We use the information you provide solely to:

* Provide financial tracking and budgeting features within the App.

* Manage debts and credits with your counterparties.

* Secure your data using local encryption.

**WE DO NOT SELL, RENT, OR SHARE YOUR DATA WITH THIRD PARTIES FOR MARKETING OR ADVERTISING.**

—

### 3. Data Storage and Security

* **Local-First Storage:** All financial data is stored locally on your device using an encrypted SQLite database.

* **Encryption:** Sensitive data is protected using high-standard encryption (AES-256 equivalent) with a master key derived from your passphrase or biometric credentials.

* **No Cloud Sync:** By default, Packet Ledger does not use a central cloud server to store your data. Your data lives on your device.

—

### 4. Third-Party Services

The App may use Google Play Services for core functionality (on Android). These services may collect information used to identify you in accordance with their own privacy policies.

* [Google Play Services Privacy Policy](https://www.google.com/policies/privacy/)

—

### 5. Your Rights and Data Control

* **Data Access & Portability:** You can view all your data within the App. You can also use the export features to create backups.

* **Data Deletion:** You can delete specific transactions, counterparties, or the entire database within the App settings. Uninstalling the App will also delete all local data unless you have created an external backup.

—

### 6. Children’s Privacy

Our App does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children.

—

### 7. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Last Updated” date.

—

### 8. Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.

Packet Ledger Privacy Policy