At Rupeo, your personal privacy and financial autonomy are paramount. Rupeo is a 100% private personal finance & expense tracking application. We do NOT collect, process, or store your bank accounts, net-banking credentials, credit/debit cards, CVVs, or UPI PINs. We do not sell your personal data to any third party. Any data collected is strictly used to authenticate your account, save your personal expense records, and provide customer support. You retain full ownership and have the right to permanently purge your data anytime.
1. Introduction & Overview
Welcome to Rupeo ("Application", "App", "we", "us", or "our"), published by Innovatex Labs. Rupeo is a personal finance, budgeting, and expense management mobile application designed to help users record personal spending, calculate daily expenses, plan monthly budgets, and export financial summaries completely free of charge.
This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you install, access, or use our mobile application published on the Google Play Store, as well as any related website or service linked to Rupeo.
Please read this Privacy Policy carefully. By downloading, installing, registering with, or using Rupeo, you agree to the collection and use of information in accordance with this policy. If you do not agree with our terms, please do not access or use the application.
2. Information We Collect
We collect only the minimum necessary information required to provide you with a smooth, secure, and personalized expense management experience:
- Profile Details: Your name, email address, and profile avatar provided during registration or Google Sign-In.
- Authentication ID: Secure authenticated token generated via Firebase Authentication without exposing passwords.
- Customer Support Inquiries: Any feedback, bug logs, or support emails you send to our team.
- Manual Transactions: Amounts, category chips (Food, Fuel, Utilities, Rent), payment mode (UPI, Cash, Card), timestamps, and optional notes entered by you.
- Budget Allocations: Monthly spending targets and category thresholds.
- Receipt Attachments: Optional photo uploads of paper bills or invoices.
- No Bank Linking: Rupeo does NOT require access to your net-banking, bank statements, or OTPs.
- No Card Secrets: We never ask for debit/credit card CVV, expiry dates, or UPI PINs.
- No Automated SMS Crawling: Unlike intrusive trackers, Rupeo never reads private SMS inbox messages.
- Device Diagnostics: Smartphone model, OS version, screen resolution, and crash logs to resolve performance issues.
- FCM Push Tokens: Firebase Cloud Messaging token to deliver authorized budgeting alerts and bill reminders.
3. How We Use Your Information
- Ledger Synchronization: Synchronizing your personal expense entries across your devices via secure Firebase storage.
- Analytics & Reports: Generating 50/30/20 spending breakdowns, monthly velocity, and exportable PDF summaries.
- Smart Radar Alerts: Delivering notifications for recurring bill deadlines and monthly budget thresholds.
- App Stability: Monitoring crash rates to fix bugs and maintain high quality on Android devices.
4. Third-Party Services & Infrastructure
Rupeo uses verified enterprise infrastructure that strictly complies with Google Play Developer Policies:
Provides encrypted database sync, Firebase Auth, and FCM messaging with Google's world-class data center encryption.
Google Privacy PolicyProcesses non-sensitive advertising IDs in compliance with Google Play Advertising policies to keep the basic app free.
AdMob Advertising Terms5. Data Retention & Account Deletion Policy
In compliance with Google Play Developer Policy, every user has the absolute right to request permanent deletion of their account and all associated cloud ledger records:
6. Data Security & Encryption
- Encryption in Transit: TLS 1.3 / HTTPS encryption safeguards all transactions transmitted between your device and Google Cloud servers.
- Encrypted at Rest: Cloud Firestore encrypts database tables at rest using AES-256 standards.
- Zero Third-Party Data Sales: We do not sell, rent, or trade your financial information to marketing brokers, lenders, or insurance agencies.
7. Official Contact Information
Rupeo Data Protection Officer
Innovatex Labs • Developer of Rupeo Mobile Application