Privacy Policy

ClearTrace is a personal finance app for recording money you manage — your own spending, money kept for family members, informal loans, chit installments, and settlements. This policy explains what information the app handles, where it goes, and how you stay in control. The short version: your records exist to serve you, we collect the minimum needed to run the service, and we never sell or share your data.

Information you provide

• Account details. If you create an account, we store your email address and a securely hashed password. An account is optional — you can use ClearTrace entirely offline as a guest, in which case no account data exists.
• Financial records. The transactions, balances, ledgers, chits, reminders, accounts, and notes you enter in the app. These are stored on your device. If you sign in, they also sync to our server so you can restore them on a new device.
• People you add. Names, phone numbers, and tags of the people you track balances with. If you use "Pick from phone contacts", the app receives only the single contact you select in the system picker — it cannot see, read, or upload your address book.

Information we do not collect

• No advertising identifiers, no ad networks, no ads.
• No analytics or behavioural trackers.
• No location data.
• No access to your SMS, call logs, photos, or full contact list.
• No bank account credentials — ClearTrace never connects to your bank; every entry is one you typed yourself.

How your data is used

Your data is used for exactly one purpose: showing you your own records and keeping them in sync across your devices. We do not sell, rent, or share your information with third parties. We do not use your financial records for advertising, profiling, credit scoring, or any purpose other than operating the app for you.

Where your data lives

Records are stored in a local database on your device. When you sign in, they are synced over an encrypted connection (HTTPS/TLS) to the ClearTrace server at service.cleartrace.in. Notifications (such as reminder alerts) are generated locally on your device and are not sent through external push services.

Security

• All communication between the app and our server is encrypted in transit using TLS.
• Sign-in tokens are kept in your device's secure storage (Keychain on iOS, encrypted storage on Android).
• You can enable a PIN app-lock inside the app so your records stay private even if someone has your unlocked phone.

Deleting your data

• Local data: Settings → Reset All Data permanently deletes everything stored on the device.
• Account and synced data: you can delete your account from within the app, or email support@cleartrace.in from your registered address and we will delete your account and all synced records within 30 days.

Data retention

Synced records are kept for as long as your account exists so that you can restore them. When an account is deleted, its records are removed from our active systems and from backups on their normal rotation schedule.

Children

ClearTrace is not directed at children under 13, and we do not knowingly collect information from them.

Changes to this policy

If this policy changes materially, we will update this page and note the new effective date above. Continued use of the app after a change means you accept the updated policy.

Contact

ClearTrace is operated from India. For any privacy question or request, write to support@cleartrace.in.