Privacy Policy

1. Information We Do NOT Collect

We do not collect, read, or process:

• Your bank accounts, UPI IDs, credit card numbers, or passwords.
• Your specific transaction amounts, item notes, or spending breakdowns.
• Personal identity details such as full name, phone number, or residential address.

2. Local Browser Storage

The Expense Tracker and micro-calculators utilize browser localStorage to remember your expenses, preferred currency, and monthly budget settings across sessions. This data never leaves your computer or phone unless you explicitly use the "Download JSON Backup" or "Export CSV" features.

3. Data Export & Deletion

You have complete control over your data. You can delete individual transactions at any time, export your full ledger to Excel/CSV, or clear your browser storage to wipe all data permanently.

4. Google AdSense & Third-Party Advertising Cookies

ExpenseTrackerFree.com uses Google AdSense to serve advertisements when you visit our website. Google, as a third-party advertising vendor, uses cookies to serve ads based on your prior visits to this website or other websites across the Internet:

• DoubleClick DART Cookie: Google's use of advertising cookies enables it and its partners to serve ads to users based on their visit to ExpenseTrackerFree.com and/or other sites on the Internet.
• Personalized Advertising Opt-Out: You may opt out of personalized advertising at any time by visiting Google Ads Settings.
• Third-Party Vendor Opt-Out: Alternatively, you can opt out of a third-party vendor's use of cookies for personalized advertising by visiting www.aboutads.info or the Network Advertising Initiative Consumer Opt-Out.

5. Standard Web Telemetry & Analytics

We use Google Analytics 4 (GA4) with IP anonymization to collect aggregated, non-personally identifiable traffic insights (such as session counts, country-level aggregates, and browser types) to ensure site uptime and improve our microtools. No financial figures, budget numbers, or individual notes are ever transmitted or tracked.

6. CCPA / CPRA Privacy Rights (California Residents)

Under the California Consumer Privacy Act (CCPA) and CPRA, California consumers have the right to request that a business that collects personal data disclose the categories and specific pieces of personal data that it has collected.

Do Not Sell My Personal Information: We do not sell, rent, or trade your personal or financial data to third parties. We provide users with full client-side autonomy, and any advertising cookies can be managed via the opt-out mechanisms listed above.

7. GDPR Privacy Rights (European Economic Area & UK)

If you are a resident of the European Economic Area (EEA) or the United Kingdom, you have statutory data protection rights under the General Data Protection Regulation (GDPR), including the right of access, rectification, erasure, and restriction of processing. Because your transaction data is held exclusively in your own browser's local storage, you can exercise erasure at any time simply by clearing your browser cache or using the in-app delete/clear feature.

8. Contact Regarding Privacy

If you have any questions, suggestions, or concerns regarding this Privacy Policy, feel free to reach out to us via our contact page or directly at support@expensetrackerfree.com.