KB4UD – Budget & Expense Tracker

Overview

Decision Leaders built the Know Before You Decide – Expense Tracker & Budget Planner app as a freemium application. This service is provided by Decision Leaders and is intended for use as is.

This page is used to inform users regarding our policies with the collection, use, and disclosure of personal information for anyone who decides to use our service. By using the application, you agree to the practices described in this policy.

Information Collection and Use

The application is designed to help users track expenses, manage financial commitments, and simulate financial decisions.

The app may store the following information locally on your device:

• Financial transactions (income, expenses, transfers)
• Budgets and financial commitments
• Installments and debt tracking information
• Scenario simulations and financial forecasts
• App settings such as language, currency, and theme preferences

This information is stored locally on the user's device and is not transmitted to external servers unless required for specific services described below.

Advertising

The free version of the application may display advertisements through third-party advertising networks such as Google AdMob. These services may collect certain information automatically to provide relevant advertisements.

• Device information
• Advertising identifiers
• App interaction data

This data collection is governed by the privacy policies of the respective advertising providers.

Subscription and Payments

The app may offer optional premium subscriptions that unlock additional features.

All subscription purchases are processed securely through Google Play Billing.

The application does not collect or store payment card details. Payment information is handled entirely by Google Play according to their privacy and security policies.

Notifications

The application may send local notifications to remind users to record daily transactions, review budgets, or track financial commitments. These notifications are generated locally on the device and do not require personal data to be transmitted to external servers.

Users can disable notifications at any time through their device settings.

Data Security

We value your trust in providing your information. Therefore, we strive to use commercially acceptable means of protecting it. Most financial data stored by the application remains on the user's device only and is not transmitted to external servers.

However, no method of electronic storage is 100% secure, and we cannot guarantee absolute security.

Children's Privacy

This application is not directed to children under the age of 13.

We do not knowingly collect personally identifiable information from children under 13. If we discover that a child under 13 has provided personal information, we immediately remove such data.

Third-Party Services

The app may use third-party services that may collect information used to identify you. Examples include:

• Google Play Services
• Google AdMob
• Google Play Billing

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Users are advised to review this page periodically for any changes.

Changes become effective immediately after they are posted on this page.