Privacy Policy

Last updated: February 2026

Data Collection

Creditum does not collect, store, or transmit any personal data to external servers. All information you enter into the app remains on your device.

Local Storage

• All transactions, person names, and notes are stored locally in a SQLite database on your device
• Your data is never uploaded automatically
• You can export your data manually using the Backup feature

Permissions

Contact Access (Optional)

• Creditum may request access to your contacts to help you add people quickly
• This permission is optional and can be revoked at any time through your device settings
• Contact data is used only for autofilling names and is never stored or transmitted

Storage Access (For Backups)

• Required only when you choose to export or import backup files
• You select the exact location where backups are saved

Third-Party Services

Creditum does not use any third-party analytics, advertising, or tracking services.

Changes to This Policy

If this privacy policy is updated, the changes will be reflected in the app’s about page.

Contact

For questions about this privacy policy, please contact me.