Legal document

Privacy Policy

Last updated: August 23, 2026

This Privacy Policy describes how SettleBook handles information when you use our personal finance app on iOS and Android. We are committed to protecting your privacy and being transparent about exactly what happens to your data.

Your financial data never leaves your device — ever.

01Overview

SettleBook is a personal finance management app that helps you track debts and EMIs, daily expenses, and subscription payments, import bank statements, and receive smart reminders. The App is available in 23 languages and supports 46 currencies, on both iOS and Android.

🔒 Key principle: your financial data stays on your device. We do not store your personal financial information on any server. There are no accounts, no logins, and no cloud sync.

02Data Stored Locally on Your Device

All of your financial data is stored exclusively on your device in a local database. This data never leaves your device and includes:

Debt Information

Lender name and type (bank or friends & family)
Total, paid and remaining amounts
EMI amounts, payment days and due dates
Notes and full payment history

Expense Records

Amount, category and date
Optional notes or descriptions
Whether the entry was manual or imported from a statement

Bank Statement Data (PDF Import)

Transactions parsed from statements of 32 supported banks — 25 Indian (e.g. HDFC, ICICI, SBI, Kotak Mahindra, Axis) and 7 international (e.g. Chase, Bank of America, Wells Fargo, Citibank)
Transaction dates, descriptions, reference numbers and category assignments
Local processing: all PDF parsing happens entirely on your device — statements are never uploaded
Statement passwords are used only to open the PDF locally and are never stored or transmitted

Subscription Details

Platform name, cost and billing cycle
Renewal dates, status and reminder settings
Renewal / upgrade history

Preferences & Security

Currency selection (from 45+ currencies)
Language selection (from 23 languages)
Theme (light / dark / system) and notification preferences
Security PIN (premium; stored encrypted on-device)
Biometric authentication setting (premium)
Premium purchase status

03Data Collected & Transmitted

While your financial data stays local, we use Firebase services for crash reporting and usage analytics to improve the App.

Firebase Crashlytics (Crash Reporting)

Purpose: Improve app stability and fix bugs.

Crash logs and stack traces
Device information (model, OS version, screen size)
App version and build number
Crash timestamps and anonymous crash identifiers
Memory and battery state at crash time

Firebase Analytics (Usage Analytics)

Purpose: Understand feature usage and improve the experience.

Screen views and navigation patterns
Feature usage frequency
Session duration and frequency
Device information (model, OS, language, region)
Anonymous user ID (generated by Firebase)
In-app purchase events (premium upgrade tracking)

No financial amounts, lender names, statement contents or personal identifiers are ever included in analytics or crash data.

04Data We Never Collect

Financial transaction amounts or values
Your uploaded bank statement PDFs or their raw text content
Passwords / PINs used for your bank statement PDFs
Lender names, expense descriptions or subscription platform names
Payment dates, schedules or history details
Your email, phone number or name
Location data (GPS coordinates)
Contacts, photos or browsing history
Other apps installed on your device
PIN codes or biometric templates
Any authentication credentials

05Internet & Network Usage

The App requires internet connectivity only for the following:

In-app purchases: purchase verification through Google Play or the Apple App Store. Payment data is managed by the platform and never accessible to SettleBook.
Firebase Crashlytics: automatic crash log transmission when a crash occurs.
Firebase Analytics: background transmission of anonymized usage events.
Over-the-air updates: the App may download code patches (via the Shorebird service) to deliver fixes without a full store update. These patches contain app code only — no personal data is sent.
Notifications: all reminders are generated and delivered locally on your device — no external push notification service is used.

Everything else — including bank statement parsing, categorization and duplicate detection — works fully offline.

06Data Security

Local Storage Protection

All financial data in a local on-device database
Data encrypted at device level (OS-managed)
Optional PIN lock (premium)
Optional biometric authentication (premium)
PIN codes stored encrypted on device
Biometric templates managed by the device OS

Network Security

All Firebase connections use HTTPS encryption
No custom API endpoints
No user authentication tokens

Data Anonymization

Firebase Analytics uses anonymous user IDs
No personal identifiers linked to analytics events
Crash reports contain no financial data

07Third-Party Services

Firebase (Google)

Firebase Crashlytics and Firebase Analytics. Data shared includes device technical specs, anonymized app usage patterns and crash diagnostics, processed on Google Cloud servers.

Firebase Privacy Policy →

Google Play / Apple App Store

In-app purchase processing. Payment information is managed entirely by the app stores and is never accessible to SettleBook.

Shorebird (over-the-air updates)

Delivers app code patches so fixes reach you faster. Patches contain application code only; no personal or financial data is transmitted.

No other third parties

No advertising networks
No social media integrations
No cloud storage providers
No data brokers or affiliates
No banks or financial institutions — statement parsing is fully on-device, and SettleBook has no data-sharing relationship with any bank

08Bank Statement Privacy

SettleBook can read account statements (PDF) from 32 banks:

Indian banks (25): HDFC Bank, ICICI Bank, State Bank of India, Kotak Mahindra Bank, Axis Bank, Punjab National Bank, Bank of Baroda, Canara Bank, Union Bank of India, IndusInd Bank, Yes Bank, IDFC FIRST Bank, IDBI Bank, Bank of India, Bank of Maharashtra, Federal Bank, Central Bank of India, Indian Bank, UCO Bank, RBL Bank, South Indian Bank, Karnataka Bank, Karur Vysya Bank, Bandhan Bank, AU Small Finance Bank.
International banks (7): Chase Bank, Bank of America, Wells Fargo, Citibank, Capital One, USAA, SoFi.

Statements are parsed entirely on your device — the PDF and its contents are never uploaded, stored or shared.
Passwords for protected PDFs are used once, locally, to open the file — never saved, never transmitted.
Extracted transactions are saved only into your local database, and only after you review and confirm them.
SettleBook never connects to your bank, never asks for net-banking credentials, and has no access to your accounts.

Bank names are used solely to identify statement formats. SettleBook is an independent app and is not affiliated with, endorsed by, or connected to any bank.

09Language & Regional Settings

SettleBook is available in 23 languages (including right-to-left layout for Arabic) and 46 currencies. Your language and currency choices:

Are stored only on your device as app preferences.
Are never used to identify you or transmitted with any personal detail.
Do not involve location tracking — the App never requests or reads your location.
Currency support is for display formatting only; the App fetches no exchange rates and connects to no financial data services.

10Your Rights & Control

Data Access

Your financial data is 100% on your device — you have full control
Crash reports contain no personal data

Data Deletion

Local data: delete entries in the App, or remove everything by uninstalling
Analytics data: automatically deleted after 14 months
Crash data: automatically deleted after 90 days
Anonymized analytics cannot be individually deleted (no user account exists)

Data Portability

Financial data export is not currently supported
Analytics data is anonymized and not tied to your identity

Because there is no cloud backup, uninstalling the App permanently deletes all locally stored data.

11Age Requirements

SettleBook has no age restriction and can be used by anyone. No account registration is required and all data is stored locally on your device. Parents and guardians should supervise minors using the App; in-app purchases require adult authorization via the app store. The App is suitable for teaching financial literacy at any age.

12Premium Security Features

App Lock (premium only):

PIN protection: create a 4-digit PIN, stored encrypted on your device only — never sent to servers
System lock: use your device's fingerprint / Face ID / passcode via the OS
Biometric templates are managed by Apple / Google — SettleBook never accesses biometric data directly
The App locks on every cold start when a lock method is enabled

⚠️ Important: forgotten PINs cannot be recovered. Regaining access requires reinstalling the App, which deletes all local data.

13Changes to This Policy

We may update this Privacy Policy from time to time — for example when we add support for new banks, languages or currencies. Firebase-related practices are additionally subject to Google/Firebase policy updates. We recommend reviewing this page periodically; the “Last updated” date at the top always reflects the current version.

14Contact Us

If you have questions about this Privacy Policy or our data practices, contact us:

Supporthelp.settlebook@gmail.com

Firebase privacyfirebase.google.com/support/privacy