Welcome to Day2Day Transactions ("the App"). Your privacy matters to us. This Privacy Policy explains what information we collect, how we use it, and the choices you have. By using the App, you agree to the practices described in this policy.
1 Information We Collect
We collect only what is necessary to provide the core features of the App. There are two modes of use:
Local-only mode (no account) — all data stays on your device. We collect no personal information.
Signed-in mode (cloud sync) — when you create an account, we collect and store:
| Category | What we collect | Why |
|---|---|---|
| Account | Email address, display name | Authentication & personalised greeting |
| Transactions | Type (income/expense), amount, title, category, notes, date & time | Core ledger functionality |
| People / Borrowing | Contact name, transaction amounts, notes, dates | Borrow & lend tracking |
| Goals | Goal title, target amount, saved amount, deadline | Savings goal tracking |
| Preferences | Currency, theme, notification settings, budget | Personalisation |
We do not collect bank account numbers, card details, government IDs, location data, contacts, camera access, or any other sensitive personal information.
2 How We Use Your Information
- To provide, maintain, and improve the App's features.
- To sync your data across your devices when you are signed in.
- To send you scheduled notifications you have opted into (daily summaries, budget alerts, goal check-ins).
- To display your financial summaries, statistics, and reports within the App.
- To generate PDF reports that you choose to export and share.
We do not use your financial data for advertising, profiling, or any purpose beyond operating the App.
3 Data Storage & Security
Local mode: Data is stored on your device using secure local storage. It is never transmitted to our servers.
Cloud sync mode: Data is stored in Google Firebase Firestore, a cloud database provided by Google LLC. Data is encrypted in transit (TLS) and at rest. Access is restricted to your authenticated account only — no other user can read your data.
While we take reasonable technical measures to protect your data, no method of electronic storage or transmission is 100% secure. We encourage you to use a strong password for your account.
4 Third-Party Services
The App uses the following third-party services. Each has its own privacy policy.
| Service | Provider | Purpose |
|---|---|---|
| Firebase Authentication | Google LLC | Account creation & sign-in |
| Cloud Firestore | Google LLC | Cloud data storage & sync |
| Expo (EAS) | Expo Inc. | App build & delivery infrastructure |
Google's privacy policy is available at policies.google.com/privacy. Expo's privacy policy is available at expo.dev/privacy.
We do not integrate any advertising SDKs or analytics platforms that track you across other apps.
5 Notifications
The App may request permission to send you local push notifications. These notifications are optional and entirely controlled by you in Settings → Notifications. They include:
- Daily transaction reminders
- Daily spending summaries (at your chosen time)
- Budget check alerts
- Weekly goal check-ins
You can disable all notifications at any time within the App or through your device's system settings. Notification data is processed locally on your device and is never sent to our servers.
6 Children's Privacy
Day2Day Transactions is not directed at children under the age of 13 (or the applicable minimum age in your jurisdiction). We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us and we will delete it promptly.
7 Your Rights & Choices
Depending on your location, you may have the following rights regarding your data:
- Access: You can view all your data directly within the App at any time.
- Correction: You can edit or delete any transaction, person, or goal in the App.
- Deletion: You can delete your account and all associated cloud data by contacting us at the email below. Local data can be cleared by uninstalling the App.
- Portability: You can export your data as a PDF report from the Home screen at any time.
- Opt-out of notifications: Toggle off notifications in Settings or your device settings.
8 Data Retention
We retain your data for as long as your account is active. If you delete your account, all associated data in Firebase is permanently deleted within 30 days. Local data stored on your device is removed when you uninstall the App.
9 Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date at the top of this page. For significant changes, we will notify you via an in-app notice. Your continued use of the App after changes are posted constitutes acceptance of the updated policy.
10 Contact Us
If you have any questions, concerns, or requests about this Privacy Policy or your data, please reach out:
We aim to respond to all privacy-related inquiries within 5 business days.