CostCalculator
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Privacy Policy

1. Introduction.

Welcome to CostCalculator ("CostCalculator", "we", "our", or "us").

CostCalculator is a personal finance and expense-tracking mobile application available on iOS and Android. The app helps users track spending and income, manage budgets, accounts, loans, deposits, crypto holdings, recurring transactions, reminders, shopping lists, and loyalty cards.

This Privacy Policy explains how we collect, use, store, and protect your information when you use the CostCalculator mobile application and related services available at:

By creating an account or using the application, you agree to this Privacy Policy.

2. Information We Collect

We collect information necessary to operate and improve the CostCalculator service.

2.1 Account and Profile Information

When you register or use the app, we may collect:

  • Full name
  • Email address
  • Date of birth
  • Default currency
  • Profile photo (optional)
  • Password (stored in hashed form)

If you use third-party login:

  • Google account identifier (Google Sign-In)
  • Apple ID identifier (Sign in with Apple)

Passwords are never stored in plain text.

2.2 Financial Data Provided by Users

CostCalculator stores financial information entered by users, including:

  • Accounts (bank, savings, cash, crypto)
  • Account balances
  • Transactions
  • Transaction categories and tags
  • Transfers between accounts
  • Budget plans
  • Loans and deposits
  • Recurring transactions
  • Crypto holdings
  • Shopping lists
  • Loyalty cards (barcode / QR data)
  • Notes and descriptions
  • Optional receipt images attached to transactions

This information is provided directly by the user and is used to provide the app’s core functionality.

2.3 Device and Usage Information

For security and service improvement, we may collect:

  • Device name and device model
  • Platform (iOS or Android)
  • Operating system version
  • Login history
  • Authentication provider used
  • IP address
  • Push notification tokens
  • Time zone and notification settings
  • Reminder and notification preferences

For security purposes, login history may store up to the last 50 login records per user.

2.4 Shared Spaces (Collaboration)

CostCalculator allows users to create shared spaces where multiple users collaborate.

Shared spaces may include:

  • Space name
  • Members and roles (Owner, Admin, Member)
  • Shared financial information including:

    • accounts

    • transactions
    • budgets
    • loans
    • reminders

Information within a shared space may be visible to other members of that space.

Users are responsible for determining who they invite to shared spaces.

2.5 Gamification Data

CostCalculator includes gamification features such as:

  • XP points
  • Levels
  • Achievements
  • Streak tracking
  • Spending challenges
  • Daily quests

This data is used only within the application to enhance the user experience.

3. Device Permissions

CostCalculator may request the following device permissions:

Camera

Used to:

  • scan loyalty card barcodes
  • scan QR codes
  • attach receipt photos to transactions

Calendar (Optional)

Used to allow reminders or financial events to be synchronized with the device calendar.

Notifications

Used for:

  • reminders
  • bill notifications
  • achievements
  • budget alerts
  • product announcements

Users can disable notifications in the device settings or within the app.

Biometrics

Face ID or Touch ID may be used to enable an optional app lock feature.

Biometric data is processed only by the device and is never transmitted to our servers.

4. Third-Party Services

CostCalculator may rely on the following third-party services:

Google Sign-In
Authentication services provided by Google.

Sign in with Apple
Authentication services provided by Apple. Apple may provide a private relay email.

Firebase
Used for push notifications.

Expo Platform Services
Used for infrastructure features such as notifications, camera integration, and secure storage.

These services operate under their own privacy policies.

5. How We Use Information

We use collected information to:

  • provide and maintain the application
  • store and synchronize user financial data
  • enable shared spaces and collaboration
  • deliver reminders and notifications
  • improve application performance
  • maintain security and detect unauthorized access
  • respond to user inquiries
  • provide product updates

We do not sell user data.

6. Data Storage and Security

We take reasonable measures to protect user data.

Security measures include:

  • encrypted connections (HTTPS)
  • secure authentication systems
  • hashed password storage
  • secure token storage on devices
  • controlled server access

Application data is stored on servers using PostgreSQL databases.

Authentication tokens are stored securely on devices using secure storage mechanisms.

However, no system can guarantee absolute security.

7. Data Retention

We retain user data only for as long as necessary to provide the service.

Users may delete their account at any time. Upon account deletion:

  • user profile data is removed
  • financial data is deleted
  • shared space membership is removed
  • associated stored files may be deleted

Some limited technical logs may be retained temporarily for security or legal purposes.

8. User Rights

Depending on your jurisdiction (including GDPR and CCPA), users may have rights including:

  • access to their data
  • correction of inaccurate data
  • data export
  • deletion of personal data
  • restriction of processing

CostCalculator supports data export in JSON format through the app settings.

Users may request account deletion at any time.

9. Children's Privacy

CostCalculator is not intended for children under 13 years of age.

Users must meet the minimum age requirement applicable in their jurisdiction.

If we become aware that personal information from a child under the required age has been collected, we will delete the information.

10. Cookies and Local Storage

The mobile application does not use traditional web cookies.

However, the app may use secure local storage on the device to store authentication tokens and application preferences.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

Updated versions will be made available in the application and on our website.

Continued use of the service after changes indicates acceptance of the updated policy.

12. Contact Information

If you have questions about this Privacy Policy, you may contact us at:

Email: info@costcalculator.app
Website: https://costcalculator.app