Privacy Policy for EMI & Subscriptions Tracker

Effective Date: March 24, 2026

EMI & Subscriptions Tracker (“we”, “our”, or “us”) respects your privacy. This Privacy Policy explains how the EMI Tracker mobile application (“App”) collects, uses, stores, and protects your information.

By using the App, you agree to this Privacy Policy.

1. Information We Collect

a. Information You Enter

The App may store information you manually add, including:

• EMI details
• Subscription details
• Payment methods
• Reminder preferences
• Notes and payment logs
• App settings such as language, locale, and currency preferences

b. Account Information

If you sign in, we may collect:

• Your user ID
• Basic authentication information provided by the sign-in provider

c. Backup and Sync Data

If cloud backup or sync is enabled, the App may store your app data in Firebase under your account. This may include:

• EMI records
• Subscription records
• Settings and payment methods
• Timestamps related to updates and backups

d. Device and Technical Information

We may process limited technical information required for the App to function properly, such as:

• Notification permissions
• Platform type
• App version
• Crash or diagnostic information provided by platform tools or services

2. How We Use Your Information

We use your information to:

• Provide EMI and subscription tracking features
• Save your data locally on your device
• Sync or back up your data across devices when enabled
• Send reminders and notifications you request
• Improve app reliability, performance, and user experience
• Support review prompts and store listing interactions

3. Local Storage

Most app data may be stored locally on your device. This allows the App to function offline and retain your preferences and entries.

4. Cloud Storage and Firebase

If you choose to sign in and use backup or sync features, your data may be stored using Firebase services. Firebase may process data according to its own privacy and security practices.

Firebase services may include:

• Authentication
• Cloud data storage

For more information, please review Google Firebase’s privacy information: https://firebase.google.com/support/privacy

5. Notifications

If you enable reminders, the App may send local notifications on your device related to:

• EMI due dates
• Subscription renewals
• Free trial end reminders

These notifications are generated based on the data you enter.

6. In-App Review

The App may use platform-provided in-app review APIs to let you rate the App. No payment or personal financial information is shared through this feature by us.

7. Data Sharing

We do not sell your personal information.

We do not share your data with third parties except:

• when required for app functionality, such as Firebase services
• when required by law, regulation, legal process, or governmental request
• to protect the rights, safety, and integrity of the App or its users

8. Data Retention

We retain your data:

• on your device until you remove it, clear app data, or uninstall the App
• in cloud backup storage, if enabled, until you delete your account data or remove the backup

9. Data Security

We take reasonable steps to protect your information. However, no method of storage or transmission is completely secure, and we cannot guarantee absolute security.

10. Your Choices

Depending on how you use the App, you may be able to:

• edit or delete your EMI and subscription data
• disable reminders
• sign out of your account
• delete your cloud-backed data
• uninstall the App and remove local data from your device

11. Children’s Privacy

The App is not directed to children under 13, and we do not knowingly collect personal information from children under 13.

12. Third-Party Services

The App may rely on third-party services such as:

• Google Firebase
• Apple App Store
• Google Play Store

These services may have their own privacy policies.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any updates will be posted on this page with a revised effective date.

14. Contact Us

If you have any questions about this Privacy Policy, you can contact us at:

Email: info@jenefa.in