Privacy Policy for Wealth Wave

Last Updated: December 2025

1. Information We Collect

Wealth Wave does NOT collect, store, or transmit any personal information from users by default. The application is designed to work entirely offline with all data stored locally on your device.

1.1 Data We Do NOT Collect

• Personal identification information (name, email, phone number)
• Financial account numbers or transaction details
• Location data
• Device identifiers or advertising IDs
• Usage analytics or app performance data
• Any data that could identify you personally

1.2 Local Data Storage

All transaction data, debt records, budgets, and settings are stored locally on your device only in a SQLite database. This data is:

• Never uploaded to any server
• Never transmitted over the internet
• Never shared with third parties
• Never used for analytics or advertising purposes
• Deleted when you uninstall the app

1.3 Cloud Sync for Cross-Device Access (Optional - Requires Your Consent)

2. Permissions and Why We Need Them

Wealth Wave requires the following permissions to function:

Permission	Purpose	What We Do	What We DON'T Do
READ_SMS	Read mobile money transaction SMS	Read only SMS from verified mobile money providers (MoMo, AirtelMoney, StanChart) to automatically detect and parse transactions	We do NOT read personal messages, store SMS content, or access messages from other sources
RECEIVE_SMS	Receive incoming SMS messages	Monitor incoming SMS to detect mobile money transactions in real-time	We do NOT process or store messages from non-mobile-money sources
READ_CONTACTS	Access contact information	Allow you to select contacts when adding borrowers/lenders for debt management	We do NOT store contact information, upload contacts, or sync contacts to any server
WRITE_EXTERNAL_STORAGE READ_EXTERNAL_STORAGE	Access device storage	Save database backups and exported CSV/Excel files to your device's Documents or Downloads folder	We do NOT access your personal files, photos, or other data. We only access files we create (backups and exports)

3. Third-Party Services

3.1 Google Mobile Ads (AdMob)

3.2 Other Third-Party Services

Wealth Wave does NOT use any other third-party services, including:

• Analytics platforms (Google Analytics, Firebase Analytics, etc.)
• Crash reporting services (Crashlytics, Sentry, etc.)
• Social media platforms
• Cloud storage providers
• Payment processors (all transactions are processed by mobile money providers, not by our app)

4. How We Process Your Data

Everything happens on YOUR device:

1. SMS Reading: The app reads SMS from mobile money providers using Android's SMS permission
2. Local Processing: Transaction information is extracted and processed entirely on your device
3. Local Storage: All data is stored in a local SQLite database on your device only
4. Zero Transmission: Your financial data is never transmitted to any server, cloud service, or third party (except for ad serving, see section 3.1)

5. Internet Connection

Wealth Wave does NOT require an internet connection for core functionality. The application is designed to work completely offline by default.

• ✅ All core features work 100% offline
• ✅ Transaction tracking works without internet
• ✅ Debt management works without internet
• ✅ Budget tracking works without internet
• ✅ Database backups work without internet
• ✅ No data is sent to servers unless you explicitly enable cloud sync
• ⚠️ Only advertisements require internet connectivity (can be removed with premium unlock)

You can block the app's internet access using a mobile firewall, and all features (except ads and optional cloud sync) will continue to work perfectly. Even with internet access, no data is sent to servers unless you explicitly opt-in to cloud sync.

6. Data Sharing

We do NOT share your financial data with anyone.

Your transaction information, debt records, budgets, and all other app data:

• ✅ Stays on your device by default
• ✅ Is only uploaded to our secure server if you explicitly opt-in to the cloud sync feature (see section 1.3)
• ✅ Is never shared with third parties (except ad serving data, see section 3.1)
• ✅ Is never sold to any third party
• ✅ Is never used for any purpose other than displaying it to you within the app or syncing to your devices (if you opt-in)

Cloud Syncing: If you choose to enable cloud syncing (as described in section 1.3), your data will be stored securely on our servers with encryption, solely for the purpose of syncing between your devices to provide a unified experience across devices. Even with syncing enabled, your data will never be shared with anyone or used for any other purpose.

7. Data Security

Wealth Wave implements multiple layers of security to protect your data:

• Local Storage: Your device's security features (screen lock, encryption) protect your local data
• Secure Lock Screen: We recommend using a secure lock screen on your device, and the app supports biometric authentication for additional protection
• Cloud Sync Security: If you enable cloud sync, your data is encrypted during transmission and storage on our secure servers using industry-standard encryption protocols
• Data Deletion: If you uninstall the app, all local data is automatically deleted. If cloud sync is enabled, you can delete your synced data from the server by disabling the feature
• User Control: Database backups are stored on your device only - you control who has access. Cloud-synced data is only accessible to you through your authenticated account
• No Unauthorized Access: Your data is protected by authentication mechanisms, and we implement security best practices to prevent unauthorized access

8. Children's Privacy

Wealth Wave does not knowingly collect any information from children under the age of 13. Since we collect no personal data from our users, there are no age restrictions from a privacy perspective. However, we recommend that children use the app under parental supervision.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us so we can delete such information.

9. Your Rights

Since all your data is stored locally on your device, you have complete control:

• Right to Access: All your data is already accessible within the app. You can export your data as CSV or Excel files at any time.
• Right to Delete: Uninstall the app to delete all data. You can also delete individual transactions, debts, or budgets from within the app.
• Right to Export: Use the export feature to save your data to CSV or Excel files stored on your device.
• Right to Opt-Out: You can disable SMS reading permissions, which will prevent automatic transaction detection. You can also remove ads by unlocking the premium version.

10. Open Source Transparency

Wealth Wave is fully open source.

You can:

• ✅ Review the entire source code on GitHub
• ✅ Verify that no data collection occurs (except for ad serving)
• ✅ Audit all network requests
• ✅ Build the app yourself from source
• ✅ Confirm our privacy claims independently

GitHub Repository: https://github.com/chilusoft/wealth-wave

11. Changes to This Privacy 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
• Posting a notice on our GitHub repository
• If changes are significant, we may notify users through the app

Your continued use of the app after any changes constitutes acceptance of the updated policy.

Future Features: If we introduce new features that require additional data collection, we will:

• Update this privacy policy with clear details about what data will be collected and why
• Require explicit user consent before collecting any data
• Provide clear opt-in and opt-out mechanisms
• Never share your data with third parties, regardless of any new features

Our Promise: We will NEVER collect or share your financial data without your explicit consent. This is a core principle of Wealth Wave. Cloud sync is available as an optional feature that you can enable or disable at any time.

12. Contact Information

13. Verification

Don't just trust us - verify!

You can independently verify our privacy claims by:

1. Using a network monitor (like PCAPdroid, NetGuard) to confirm the app makes minimal network requests (only for ad serving)
2. Blocking internet access using a firewall and confirming core features work perfectly offline
3. Reviewing the source code on GitHub to see exactly what data is processed
4. Building the app from source yourself to ensure you're running exactly the code you see on GitHub

Summary

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This privacy policy applies to Wealth Wave mobile application version 1.8.0 and later.