Privacy Policy — Savings Circle Manager
Effective date: July 6, 2026 Last updated: July 6, 2026 App: Savings Circle Manager (com.ilyas.ilyasapps.savingscircles) Developer: Mobilia Apps Contact: muhammadilyas15@gmail.com
Mobilia Apps ("we", "us") built Savings Circle Manager as a free app with an optional one-time Premium purchase. This policy explains what information the app accesses, how it is used, and the choices you have. By using the app you agree to this policy.
Savings Circle Manager is a record-keeping and organizing tool. It helps organizers of informal rotating savings circles (known locally as kameti, committee, BC, tanda, cundina, susu, ajo, stokvel, gam'eya, hui, or arisan) keep track of members, turns, and contributions. The app does not hold, transfer, request, or manage any money, has no wallet or payment processing, and is not a financial product or financial-advice service.
Summary
- Your circle data — member names, phone numbers, photos, turns, and contribution
records — is stored only on your device. We do not operate a server that stores it, and we cannot see it.
- There is no account, no login, and no cloud sync or cloud backup. Your member data
never leaves your phone unless you explicitly export or share a summary yourself.
- We use standard third-party services for ads, purchases, and crash/analytics reporting.
These may collect limited technical and advertising data as described below.
- The app does not collect or transmit any financial information because it never
handles money — it only keeps records that you enter.
Information the App Accesses
1. Data you enter (stored locally only)
The app stores the information you enter — circles, member names, phone numbers, member photos, trust notes, turn/rotation order, contribution records (paid/partial/missed), timeline history, and app settings — in a local database (Room, savings_circles.db) on your device. This data:
- Stays on your device.
- Is not transmitted to us or any third party.
- Is deleted when you clear the app's data or uninstall the app.
- Can be exported by you (CSV / summary image) and shared only where and when you choose.
Member phone numbers may be added via Android's built-in, permission-free system contact picker. The app receives only the single contact detail you select; it does not read or upload your contact list.
2. Advertising data
The app displays ads through Google AdMob. AdMob may collect and process:
- Advertising ID (a resettable device identifier).
- Approximate, coarse location derived from IP address (used by AdMob, not by the app
directly).
- Device information and ad-interaction events used to serve and measure ads.
Where required (e.g., EEA/UK), we show a consent request via Google's User Messaging Platform (UMP) before personalized ads are served.
3. Purchase data
Premium is a one-time in-app purchase processed by Google Play Billing. Google Play handles the transaction; we do not receive or store your payment details. The app stores only a local flag indicating whether Premium is unlocked.
4. Crash and analytics data
We use Firebase Crashlytics and Firebase Analytics to keep the app stable and understand aggregate usage. These may collect:
- Crash logs, stack traces, and device state at the time of a crash.
- Device model, OS version, app version, and general app-interaction events.
This data is aggregated and is not used to personally identify you.
Permissions the App Requests
| Permission | Why it is used |
|---|---|
INTERNET | Load ads, load purchase details from Google Play, and send crash/analytics reports. |
ACCESS_NETWORK_STATE | Check connectivity before loading ads or purchase details. |
VIBRATE | Provide haptic feedback for in-app interactions. |
POST_NOTIFICATIONS | Show local contribution-collection reminders (Android 13+ asks at runtime; optional). |
RECEIVE_BOOT_COMPLETED | Re-schedule your local reminders after the device restarts. |
com.android.vending.BILLING | Process the one-time Premium in-app purchase via Google Play Billing. |
The app does not request location, camera, storage, microphone, or contacts-read permissions. Member photos are captured/selected via the Android photo-picker and camera intent (no app-level camera permission). Phone numbers are added via the permission-free system contact picker.
Third-Party Services
The app relies on the following services, each governed by its own privacy policy:
- Google AdMob — https://policies.google.com/privacy
- Google User Messaging Platform (UMP) — https://policies.google.com/privacy
- Google Play Billing — https://policy.google.com/privacy
- Firebase Crashlytics & Analytics (Google) — https://firebase.google.com/support/privacy
Data Sharing and Selling
We do not sell your personal information. We do not share the circle data you enter with anyone — member names, phone numbers, and photos never leave your device except through exports or summary images you initiate. The technical data described above is processed by the third-party services listed for the stated purposes only.
Data Retention and Deletion
We keep your information only for as long as it is needed for the purposes described in this policy.
- All of your entries stay on your device. We operate no server for this data and never receive a copy of it, so there is nothing for us to retain. Your data is kept until you delete the individual entry, clear the app's storage, or uninstall the App. Uninstalling removes all of it from the device.
- Crash reports (Firebase Crashlytics) — automatically deleted after 90 days.
- Analytics data (Firebase Analytics) — retained in aggregated, non-identifying form for a maximum of 14 months, then automatically deleted.
- Support emails — if you contact us, your message is retained for up to 24 months after your enquiry is resolved, then deleted.
- Purchase records — retained by Google Play for the period required by applicable tax and accounting law. We do not hold separate copies.
How to delete your data
You can delete your data at any time. Delete individual entries Open any entry in the App and tap Delete. It is removed immediately from the device. Uninstall Uninstalling the App removes all locally stored data from your device. Request deletion by email If you cannot access the App, or you want written confirmation that your data has been erased, email us at muhammadilyas15@gmail.com with the subject line "Savings Circle Manager – Data Deletion Request". We will verify the request, delete all associated data, and confirm by email within 30 days. There is no charge for this.
Children's Privacy
The app is intended for a general adult audience and is not directed at children under 13. We do not knowingly collect personal information from children.
Your Choices
- Ads consent: Manage or withdraw consent via the in-app consent option (where shown).
- Advertising ID: Reset or limit ad personalization in your device settings.
- Notifications: Turn reminders off in Android settings at any time.
- Remove ads: Purchase Premium (one-time) to remove advertising.
Security
Your circle data stays on your device and is protected by your device's own security. Data exchanged with our third-party services is encrypted in transit. We take reasonable measures for the limited technical data processed by those services.
Not a Financial Service
Savings Circle Manager is a personal record-keeping and organizing tool for informal savings circles. It does not hold, move, lend, invest, or manage funds, does not process payments, makes no guarantee of any savings or returns, and does not provide financial, investment, tax, or legal advice. All money in a savings circle is handled directly among its members, outside of this app.
Changes to This Policy
We may update this policy from time to time. Changes will be posted at the hosted policy URL above with a new effective date.
Contact
Questions about this policy? Email muhammadilyas15@gmail.com.
Privacy Policy URL: https://itworldpro.com/savings-circle-manager/privacy-policy