Last updated: 4 November 2026

SimpleMoney (“the app”, “we”) is an offline-first personal money manager for Android, published by Aash Global (aashglobal.in). This policy explains what information the app handles and what it does not.

SMS messages

With your permission (READ_SMS and RECEIVE_SMS), SimpleMoney reads the SMS on your phone, including new messages as they arrive, to find bank transaction messages and add them as transactions. This is the app’s main feature. The app uses only the amount, date, account and merchant details from those messages. Other messages, such as OTPs and personal chats, are ignored and not stored.

Messages are processed on your device. They are not sold, shared, or sent to us, and they are not used for advertising. The only exception is the optional “Report SMS” feature: if you select a message and choose to report it, that message, with any note you add, is sent securely to the developer so the parser can be improved. You can stop it at any time in the app (More › Settings › Transactions from SMS) or by turning off SMS in Android’s app permissions.

Ads and purchases

The free version shows a few ads from Google AdMob, only after bigger actions and never while you add transactions or browse. Google may collect your advertising ID, IP address, ad interactions and diagnostic information to serve ads, as described in the Google Privacy Policy. AdMob has no access to your financial data or SMS. You can buy Pro through Google Play to remove ads; we never receive your payment details.

Information stored on your device

The app stores the data you enter: accounts, transactions, categories, budgets, loans, debts, subscriptions, notes, and app settings. This data is kept in a local database on your phone and is not sent to us.

Optional Google Drive backup

If you choose “Sign in with Google”, the app asks your permission to:

• read your Google account email and basic profile (name and picture) to show which account is connected; and
• store and read a backup file in the hidden application-data folder of your own Google Drive (the drive.appdata scope). This folder is accessible only to this app and is not visible among your normal Drive files.

Your backup is transferred directly between your device and Google. We never receive or have access to it. You can disconnect at any time in the app, and you can revoke access in your Google Account settings. Google’s handling of your data is governed by the Google Privacy Policy.

Camera

The camera is used only to scan UPI QR codes when you use the optional “Pay with UPI” feature. Images are processed on your device and are not stored or uploaded.

Approximate location

When you open a UPI payment, the app may ask for approximate (coarse) location to record the name of the nearby locality (for example, a town or area) as a note on that expense. Only the locality name is kept; precise coordinates are not stored. The name is saved with your transaction on your device and is included in your Google Drive backup if you enable it. Android’s location services may use Google’s location service to turn a position into a place name. Location is never collected in the background, and you can decline the permission and keep using the app.

Contacts

When you add a debt, you can choose a person using Android’s built-in contact picker. The app receives only the single contact you select (their name and phone number) and saves it on your device with that debt. It cannot read your other contacts and does not request contacts permission.

Biometric lock

If you enable the app lock, the app asks Android to verify your fingerprint, face, or device PIN, pattern or password. This is handled entirely by Android; the app never receives or stores your biometric data or screen-lock credentials.

Notifications

The app can show local reminders for loan, debt and subscription due dates. These are scheduled on your device and do not involve any server. The app can re-schedule them after your phone restarts.

Files you export or import

When you export your data or import a file, the app uses Android’s file picker and share features. Exported files are created where you choose to save or send them; we do not receive them.

Internet access

The app uses the internet for (1) Google sign-in and Drive backup, if enabled, (2) showing ads in the free version, and (3) downloading public currency exchange rates, only if you hold accounts in two or more currencies. Rates are fetched from public currency-rate services (hosted through jsDelivr, with a Cloudflare fallback). These requests contain only a currency code — never your financial data or personal information — though, as with any internet request, the servers can see your IP address.

UPI payments

SimpleMoney does not process payments and does not handle your bank or UPI credentials. Payments are completed in the UPI app you choose (for example Google Pay). The app only records the expense you confirm.

Data sharing

We do not sell, rent or share your financial data or SMS with third parties. The only transfers are those you start yourself (Drive backup to your own Google account, or Report SMS to the developer), and the ad requests made by Google AdMob in the free version, as described above.

Data retention and deletion

Your data stays on your device until you delete it or uninstall the app. In the app, More → Settings → Your data lets you delete the data on your phone and delete the data synced to Google Drive. You can also remove the backup from your Google Account settings (Security → Third-party apps with account access → SimpleMoney → Delete all data from this app).

Children

The app is not directed at children under 13 and does not knowingly collect information from them.

Changes to this policy

If we change this policy, we will update the date above and publish the new version at this address.

Contact

Questions about this policy: hi@aashglobal.in, or visit aashglobal.in.