Privacy Policy for Balkan Expense

Last updated: February 2, 2026

1. Introduction

Balkan Expense is a personal budget management application for iOS that helps users track their expenses and manage their finances. This privacy policy explains how we handle your data.

2. Data Collection

Balkan Expense accesses your Gmail account for a specific, limited purpose:

• Search for bank statement emails from Alta Bank (emails from izvod@altabanka.rs)
• Download PDF attachments containing your bank transaction data
• Parse transaction information for budget tracking purposes

We only access emails that match specific criteria (bank statements from Alta Bank). We do not read, access, or store any other emails in your account.

3. How We Use Your Data

• All transaction data is processed and stored locally on your device only
• We do not send your data to any external servers
• We do not share your data with third parties
• We do not use your data for advertising or marketing purposes

4. Data Storage

• All financial data remains on your iOS device
• OAuth authentication tokens are securely stored in iOS Keychain
• No data is transmitted to or stored on our servers
• We do not maintain any databases of user information

5. Third-Party Services

Balkan Expense uses the following third-party services:

• Google OAuth 2.0: For secure authentication with your Google account
• Gmail API (readonly scope): For retrieving bank statement emails and attachments

These services are subject to their own privacy policies:

• Google Privacy Policy

6. Permissions Required

Balkan Expense requests the following Gmail permission:

• gmail.readonly: Read-only access to search for and download bank statement attachments

7. Your Rights and Control

You have complete control over your data:

• You can revoke Gmail access at any time through your Google Account settings
• You can delete all app data by uninstalling the application
• All data is stored locally and under your control

8. Data Security

• We use industry-standard OAuth 2.0 for authentication
• Authentication tokens are stored securely in iOS Keychain
• All communication with Google services uses HTTPS encryption

9. Children's Privacy

Balkan Expense is not intended for use by children under 13 years of age. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this privacy policy from time to time. We will notify users of any material changes by updating the "Last updated" date at the top of this policy.

11. Contact Information

If you have any questions about this privacy policy or how we handle your data, please contact us:

Email: dreamapps.agency@gmail.com

12. Compliance

This application and privacy policy comply with:

• Google API Services User Data Policy
• Apple App Store Guidelines
• General Data Protection Regulation (GDPR) where applicable

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