Budgly – Privacy Policy

      All your financial data stays on your device. Budgly never uploads, transmits, or shares any of your information with any server or third party — ever.
    

Last updated

March 2026

What Budgly does

Budgly is a personal finance tracker that helps you monitor your income, expenses, and budgets. It can automatically detect bank transactions by reading messages from your bank — both SMS text messages and bank app push notifications.

Data collection

Budgly does not collect, store remotely, or transmit any personal data. Specifically:

No data is sent to any server.
No analytics or crash reporting services are used.
No advertising SDKs are included.
No account registration or login is required.

All financial records, account information, and transaction history are stored exclusively in a local database on your own device.

Permissions explained

SMS (READ_SMS, RECEIVE_SMS)
Used solely to detect bank transaction messages and automatically create expense or income records. Android delivers all incoming SMS to the app so it can check the sender — only the content of messages from bank senders you have approved is ever parsed or stored. Messages from all other senders are ignored immediately.

Notification Access
Used to detect bank transaction notifications from bank apps that send push notifications instead of, or in addition to, SMS. Android delivers all notification callbacks to the app so it can check the source — only notifications from bank senders you have approved are ever processed or stored. All other notifications are ignored immediately and never stored.

POST_NOTIFICATIONS (Android 13+)
Used to show you alerts when new transactions are detected or when a backup completes or fails.

All permissions are optional. The app works without them — you can add transactions manually at any time.

Data storage and backup

Your data is stored in a local Room (SQLite) database on your device. The optional auto-backup feature writes a JSON file to a folder you choose on your device storage. Backups are never sent anywhere automatically.

Third-party libraries

Budgly uses the following open-source libraries, none of which collect or transmit user data:

AndroidX Room – local database
AndroidX WorkManager – scheduled background tasks
MPAndroidChart – charts and graphs
Gson – JSON serialisation for backup/restore

Children's privacy

Budgly is not directed at children under 13. We do not knowingly collect any information from children.

Changes to this policy

If this policy changes, the updated version will be published at this URL with a new "Last updated" date.

Contact

Questions about this privacy policy? Open an issue or contact the developer through the app's Play Store listing.