Privacy Policy

Last updated: February 2026

1. Introduction

Mudra Manager ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our mobile application.

2. Information We Collect

2.1 Local Data

Mudra Manager uses a local-first architecture. All your financial data is stored locally on your device using Isar database. This includes:

  • Transaction records (income, expenses, transfers)
  • Account information
  • Budget settings
  • Financial goals
  • Categories and tags

2.2 SMS Data

With your permission, we access SMS messages to automatically detect and parse financial transactions from banks and payment services. SMS data is processed locally on your device and is never transmitted to our servers.

2.3 Device Permissions

We request the following permissions:

  • SMS: To read transaction messages from banks
  • Storage: To export reports and backup data
  • Biometric: For secure app access (optional)

3. How We Use Your Information

Your data is used solely to provide app functionality:

  • Track and categorize your financial transactions
  • Generate spending insights and reports
  • Help you manage budgets and achieve financial goals
  • Provide personalized financial analytics

4. Data Storage and Security

We take your security seriously:

  • Local Storage: All data is stored locally on your device
  • No Cloud Sync: We do not transmit your financial data to any servers
  • Biometric Protection: Optional fingerprint/face unlock
  • Encryption: Sensitive data is encrypted on your device

5. Data Sharing

We do not share, sell, or transmit your personal financial data to any third parties. Your data stays on your device.

6. Your Rights

You have complete control over your data:

  • Access all your data within the app
  • Export your data to Excel or PDF
  • Delete your data by uninstalling the app
  • Revoke SMS permissions at any time

7. Children's Privacy

Mudra Manager is not intended for users under 13 years of age. We do not knowingly collect information from children.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy in the app and updating the "Last updated" date.

9. Contact Us

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

support@mudramanager.com