PundiPundi - Privacy Policy

Last updated: May 18, 2026

Introduction

PundiPundi ("we", "our", or "the app") is a personal finance management application developed by DN Studio. We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and safeguard your information when you use our application.

Information We Collect

We collect the following information when you use PundiPundi:

• Account Information: Name and email address when you register or login via email, Google, or Yahoo.
• Financial Data: Income and expense transactions, categories, notes, dates, and debt/receivable records that you manually input into the app.
• Membership Data: Subscription tier, purchase history, and expiration dates.
• Device Information: Device type, operating system version, and app version for functionality and crash reporting.
• Advertising Data: For Free and Silver members, Google AdMob may collect advertising identifiers, device identifiers, and general location data for ad personalization.

How We Use Your Information

• To provide and maintain the app's core functionality (tracking income, expenses, debts)
• To authenticate your identity and secure your account
• To sync your data across sessions via our secure server
• To manage your membership and subscription
• To display advertisements (for Free and Silver members only)
• To send debt due date reminders
• To improve app performance and fix bugs

Data Storage and Retention

Your data is stored in two locations:

• Local Device: Transaction and debt data is cached on your device using encrypted local storage for offline access.
• Secure Server: Your data is synchronized to our secure server protected by HTTPS encryption.

We retain your data for as long as your account is active. If you delete your account, all associated data will be permanently removed from our servers within 30 days.

Third-Party Services

We use the following third-party services:

• Google AdMob: For displaying advertisements to Free and Silver members. AdMob may collect device identifiers, advertising ID, and approximate location for ad personalization. You can opt out of personalized ads in your device settings. Google Privacy Policy
• Google Sign-In: For account authentication. We only receive your name and email. Google Privacy Policy
• Yahoo OAuth: For account authentication. We only receive your name and email. Yahoo Privacy Policy
• Google Play Billing: For processing subscription payments. Payment information is handled entirely by Google. Google Privacy Policy

Data Sharing

We do not sell, trade, rent, or share your personal financial data with third parties. Your transaction and debt data is only accessible by you. We may share anonymized, aggregated data for analytics purposes that cannot identify individual users.

Your Rights

You have the following rights regarding your data:

• Access: You can view all your data within the app at any time.
• Correction: You can edit your transactions and debt records (VIP members) or contact us for corrections.
• Deletion: You can request complete deletion of your account and all associated data by contacting us.
• Portability: You can request a copy of your data by contacting us.
• Opt-out of Ads: You can upgrade to Gold or VIP membership to remove all advertisements, or disable personalized ads in your device settings.

Data Security

We implement appropriate security measures to protect your data:

• All data transmission uses HTTPS/TLS encryption
• Passwords are stored using secure one-way hashing (bcrypt)
• Server access is restricted and monitored
• OAuth tokens are never stored on our servers

Children's Privacy

PundiPundi is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If we discover that a child under 13 has provided us with personal information, we will delete it immediately.

International Data Transfer

Your data may be transferred to and processed on servers located outside your country of residence. We ensure appropriate safeguards are in place to protect your data regardless of where it is processed.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by updating the "Last updated" date at the top of this page and through in-app notifications where appropriate. Continued use of the app after changes constitutes acceptance of the updated policy.

Contact Us

If you have any questions about this Privacy Policy or wish to exercise your data rights, please contact us at:

Email: webreading@bagir-shares.com

Developer: DN Studio