How CredLedger collects, stores, and protects your information
Last Updated: May 15, 2026 | Effective Date: May 15, 2026
At CredLedger, protecting your privacy and expense records is our top priority. This Privacy Policy explains how your information is collected, stored, and protected when you use the app.
CredLedger is a secure offline credit card expense tracking app designed to help users manage their spending privately and efficiently.
The app works primarily offline, meaning your records stay on your device and remain under your control.
By using CredLedger, you agree to the practices described in this Privacy Policy.
To provide secure access and personalized usage, CredLedger may collect and store the following information locally on your device:
Your mobile number is used only for user identification and account-related functionality inside the app. It is stored locally on your device and is not shared with third parties.
CredLedger includes multiple security features to help protect your data.
Users can securely access the app using:
If you forget your PIN, CredLedger may allow PIN reset or verification using your device's built-in security methods, including:
Authentication is handled securely through your device's operating system. CredLedger does not store your device password or biometric data.
CredLedger may use biometric authentication features provided by your device for secure login access.
All app data is stored locally on your device.
CredLedger does not upload your financial records, PIN, or transaction data to cloud servers.
Your information remains private and accessible only on your device unless you manually export or share it.
Your spending records remain fully under your control.
CredLedger may use internet access only for limited purposes such as:
The app does not send your financial transaction data to our servers.
CredLedger may request certain device permissions to provide app functionality, including:
Permissions are used only for the purposes described in this Privacy Policy.
We implement security-focused practices to help protect your information, including:
However, users are responsible for protecting their devices and exported backup files.
CredLedger may use trusted third-party services to improve app functionality, security, and app monetization.
These services may include:
CredLedger may display advertisements provided by Google AdMob.
AdMob may collect limited non-personal device information, such as:
Google AdMob may use cookies, advertising identifiers, and similar technologies to provide personalized or non-personalized ads depending on your device settings and region.
This information is used to provide and improve advertisements.
CredLedger does not share your financial transactions, PIN, or personal spending records with advertisers.
To learn more about how Google handles data, please visit Google Privacy Policy.
CredLedger does not sell, rent, or share your financial data with third parties.
Your data may only be shared when:
Users can manually create backup files to restore their records later.
Please keep backup files secure, as CredLedger cannot control how exported files are stored or shared outside the app.
Users can delete their data at any time by:
Since CredLedger does not store user data on cloud servers, deleting the app may permanently remove local data unless backups are created.
CredLedger is not intended for children under the age of 13, and we do not knowingly collect personal information from children.
We may update this Privacy Policy from time to time. Any changes will be reflected by updating the effective date above.
If you have any questions or concerns about this Privacy Policy, contact us at:
Email: support@credledger.ledgerplusapp.in
Country: India