Version 1.0.0October 8, 2026

Privacy Policy

GeldTrack is built with a local-first architecture. Your financial records are stored strictly on your device.

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GeldTrack Privacy Policy

Last Updated: October 8, 2026

Privacy Policy Version: 1.0.0

1. Introduction

Welcome to GeldTrack.

GeldTrack is a personal finance tracking application designed to help you record, organize, and understand your own financial activity. You can use GeldTrack to manage transactions, wallets and pockets, bills, savings goals, categories, currencies, and other personal financial information.

Your privacy is important to us. GeldTrack is designed with a local-first approach, which means your financial records are primarily stored on your device rather than in a GeldTrack cloud database or account system.

This Privacy Policy explains what information you may provide when using GeldTrack, how that information is handled, what third-party services are used by the app, and what choices you have.

GeldTrack is operated by Cakwe Team.

If you have questions about this Privacy Policy, you can contact us at:

geldtrack@cakwe.id

2. Information You Choose to Add to GeldTrack

GeldTrack allows you to enter information to make the application useful to you.

Depending on how you use the app, this may include:

  • Your optional profile name
  • Your profile photo or avatar
  • Wallet or pocket names
  • Wallet balances
  • Transactions
  • Income and expense amounts
  • Transaction dates
  • Merchants or transaction descriptions
  • Transaction notes
  • Bills and bill information
  • Bill amounts and due dates
  • Savings goals
  • Goal names, targets, and saved amounts
  • Categories and custom category names
  • Currency preferences
  • Number-format preferences
  • App settings and preferences
  • Other information you choose to enter into the application

Some of this information may be financial or otherwise sensitive in nature.

GeldTrack does not require you to create an account, provide an email address, provide a phone number, or connect a Google, Apple, or other online account in order to use the application.

3. Your Financial Data Stays on Your Device

GeldTrack is designed as a local-first application.

Your financial records, including transactions, wallets, bills, goals, categories, and related information, are stored locally on your device. GeldTrack does not operate its own cloud database or server that stores a copy of your financial records.

This design means that GeldTrack itself does not have a central copy of your financial data that we can access, manage, or retrieve from a server.

For example, when you create a transaction, the transaction is stored locally on your device so that GeldTrack can display and calculate your financial information. It is not automatically uploaded to a GeldTrack financial-data server.

This also means that we generally cannot recover your local financial records for you if they are deleted, lost, or become inaccessible on your device.

For this reason, we recommend regularly creating a backup if your financial records are important to you.

4. Profile Information and Photos

GeldTrack allows you to optionally add a profile name and profile photo.

Your profile name is used within the app, such as in your profile or Settings area.

Your profile photo is stored locally on your device. GeldTrack does not upload your profile photo to a GeldTrack server.

When you select a profile photo, GeldTrack uses the device's available photo-selection functionality. GeldTrack does not require a separate camera permission for this feature.

You can remove or replace your profile information through the app where supported.

5. Backups and Exports

GeldTrack allows you to export your application data into a local .geldtrack backup file.

A backup may contain information necessary to restore your GeldTrack data, which can include financial records, wallets, bills, goals, categories, currencies, profile-related information, and other application data included by the backup system.

When you export a backup, the file is placed under your control and you choose where to save or share it.

GeldTrack does not automatically upload your backup file to a GeldTrack server.

Important: Protect Your Backup

GeldTrack backup files are not currently password-protected or encrypted by GeldTrack.

Anyone who obtains an unprotected backup file may potentially be able to access the information contained within it.

You should therefore treat your .geldtrack backup file as sensitive and avoid sharing it with people or services you do not trust.

GeldTrack cannot control how you store, transfer, or share a backup file after you export it.

6. Deleting Your Data

Because your GeldTrack data is stored locally, you have control over removing it from your device.

Depending on your device and the available application features, you may remove your data by:

  • Using GeldTrack's reset functionality
  • Clearing the application's data through your device settings
  • Uninstalling GeldTrack

Removing local application data may permanently delete information that has not been backed up.

If you have exported a .geldtrack backup file, deleting the app does not automatically delete copies of that backup stored elsewhere. You are responsible for deleting backup files from locations where you chose to save them.

7. Notifications and Bill Reminders

GeldTrack can provide local notifications for bill reminders.

These reminders are generated by the application and your device. They are not sent from a GeldTrack remote notification server.

For example, when you configure a bill reminder, GeldTrack can schedule a notification on your device for the appropriate date and time.

The notification may contain information such as:

  • The bill name
  • The bill amount
  • The bill due status

Notification content is generated from your locally stored bill information.

You can control notification permissions through your device settings.

8. App Lock and Biometric Authentication

GeldTrack may allow you to protect access to the application using your device's available biometric authentication, such as fingerprint or facial recognition.

GeldTrack does not receive or store your raw fingerprint, face scan, or other biometric data.

Biometric authentication is handled by the operating system and the device's authentication system. GeldTrack receives the result needed to determine whether authentication was successful.

9. Advertising

GeldTrack uses Yandex Mobile Ads to display advertisements.

Currently, GeldTrack uses:

  • Banner advertisements
  • Native advertisements
  • Optional rewarded advertisements

The rewarded advertisement is initiated by the user through the Support Us feature. After a qualifying rewarded advertisement is completed, GeldTrack can provide an ad-free period of 24 hours.

The 24-hour ad-free status is stored locally on your device. GeldTrack does not use a remote server or user account to grant, validate, or maintain this status.

Financial Data and Advertising

GeldTrack does not send your financial records to Yandex Mobile Ads.

Our application does not attach the following information to ad requests:

  • Transaction amounts or notes
  • Wallet or pocket names and balances
  • Bill names, amounts, due dates, or statuses
  • Savings goal names, targets, or saved amounts
  • Custom category names
  • Profile names or profile photos
  • Backup files or backup contents
  • Your contacts
  • Your email address or phone number
  • Your location data

Financial records (transactions, pockets, bills, goals) are NEVER sent to Yandex Mobile Ads. The source-code audit of the current implementation confirmed no custom targeting, custom user identifiers, or financial data are supplied by GeldTrack.

Information Processed by Yandex Mobile Ads and AppMetrica

GeldTrack integrates the Yandex Mobile Ads SDK (yandex-mobile-ads for React Native / com.yandex.android:mobileads:8.5.0 for Android Native), provided by Yandex LLC / Direct Caster Ltd. Embedded automatically within this SDK is AppMetrica (io.appmetrica.analytics 8.5.0).

Although GeldTrack does not provide your financial records, the Yandex Mobile Ads SDK and embedded AppMetrica may automatically process certain technical and advertising-related information needed to operate advertising services, measure ad performance, provide campaign attribution, and report crashes or errors for ad modules.

Depending on the platform and circumstances, this may include:

  • Google Advertising ID (GAID) or device identifiers
  • Technical device data (model, manufacturer, OS version, screen resolution, network connection)
  • IP address (used for country- or city-level geolocation for ad relevance)
  • Ad interaction metrics (impressions, clicks, rendering status, video completion)
  • Diagnostic and crash information related to ad delivery

Information processed by Yandex through its advertising and analytics services is handled according to Yandex's and AppMetrica's own policies and practices:

10. Analytics and Microsoft Clarity

GeldTrack uses Microsoft Clarity (provided by Microsoft Corporation, package @microsoft/react-native-clarity) to understand how people use the application and to improve usability, interface design, and overall application experience (UI/UX).

Clarity may process information related to application usage, such as:

  • Screen views
  • Taps and gestures
  • General navigation behavior
  • Device and operating-system information
  • Display and screen characteristics
  • Errors and diagnostic information
  • General geographic information such as country or region

GeldTrack uses high-level screen names for analytics, such as Dashboard, Transactions, Insights, Settings, Goals, Pockets, and Bills.

GeldTrack does not intentionally send financial records, transaction notes, wallet names, or financial amounts through custom Clarity user IDs, tags, or custom events.

Protection of Sensitive Information

GeldTrack uses Clarity masking controls to ensure that sensitive financial data is protected. All financial data, balances, and transaction amounts are automatically masked and hidden from analytics captures.

The application has implemented explicit masking identifiers for areas including:

  • Profile photos and avatars
  • Financial balances and transaction amounts
  • User-generated text and notes
  • Backup preview information
  • Financial charts and visualizations

These protections are in addition to Clarity's built-in masking behavior for sensitive content.

Because Clarity is a third-party analytics service, information processed by Clarity is subject to Microsoft's own privacy practices and policies:

11. Information GeldTrack Does Not Collect

GeldTrack does not intentionally collect the following information as part of its normal application functionality:

  • GPS or precise location data
  • Contact lists
  • Microphone recordings
  • Phone numbers
  • Email addresses for account creation
  • Date of birth
  • Gender
  • Google or Apple account credentials
  • User passwords for an online GeldTrack account
  • Fingerprint or facial biometric data

GeldTrack also does not operate a user account system requiring you to create an online account.

12. Internet Connectivity

GeldTrack is designed to work primarily with information stored locally on your device.

Some functionality may require an internet connection or may work differently without one.

For example, advertisements require internet connectivity to be requested and displayed. If your device does not have an internet connection, advertisements may simply not be available.

The absence of an internet connection does not cause your locally stored financial records to be uploaded to a GeldTrack server.

Third-party services such as advertising and analytics require network connectivity to communicate with their respective endpoints.

13. Third-Party Services

GeldTrack currently uses certain third-party technologies and services to provide application functionality.

These include:

Yandex Mobile Ads

Provided by Yandex LLC / Direct Caster Ltd. Used to provide banner, native, and rewarded advertising formats.

  • Package: yandex-mobile-ads (React Native) / com.yandex.android:mobileads:8.5.0 (Android Native)
  • Privacy Policy: Yandex Privacy Policy

AppMetrica

Embedded automatically within the Yandex Mobile Ads SDK (io.appmetrica.analytics 8.5.0). Used for ad performance measurement, campaign attribution, and crash/error reporting for ad modules.

Microsoft Clarity

Provided by Microsoft Corporation (@microsoft/react-native-clarity). Used to understand application usage and improve UI/UX through session insights and analytics with automatic masking of all financial data.

These third-party providers may process certain information according to their own privacy policies and terms.

GeldTrack does not control how these independent providers process information once it is handled by their services.

We recommend reviewing the privacy policies of these providers if you would like to understand their data practices in greater detail.

14. Data Security

GeldTrack relies primarily on the security mechanisms provided by your device and operating system to protect locally stored application data.

The application does not currently provide separate, application-wide encryption for all locally stored financial information.

You should therefore use the security features available on your device, such as a device passcode, fingerprint authentication, facial authentication, or other supported security mechanisms.

You should also keep your device's operating system and GeldTrack application updated.

Because backup files are not currently encrypted or password-protected by GeldTrack, exported backups should be treated as sensitive files.

No method of electronic storage or transmission can be guaranteed to be completely secure.

15. Children's Privacy

GeldTrack is intended for general use and is not specifically directed toward children.

GeldTrack does not intentionally collect personal information from children as a separate category of users.

Because most GeldTrack information is entered locally by the person using the application, parents or guardians should ensure that children use the application appropriately and understand how to protect their device and backup files.

If you believe that a child has provided personal information to a service used by GeldTrack in a way that raises a privacy concern, please contact us at:

geldtrack@cakwe.id

16. International Use

GeldTrack is developed by Cakwe Team in Indonesia but may be used by people in other countries.

Different countries and regions may have different privacy requirements.

Because GeldTrack uses third-party services such as Yandex Mobile Ads, AppMetrica, Microsoft Clarity, and Cloudflare-hosted APIs, information processed by those services may be handled according to their own international data-processing practices and applicable policies.

If you use GeldTrack outside Indonesia, you are responsible for using the application in accordance with applicable local laws and regulations.

17. Your Choices

You have control over much of the information stored by GeldTrack because the application's primary data is stored locally on your device.

You can choose:

  • What information you enter into the application
  • Whether to add a profile name
  • Whether to add a profile photo
  • Whether to create financial records
  • Whether to export a backup
  • Where to store or share your backup
  • Whether to allow notifications through your device settings
  • Whether to use biometric authentication
  • Whether to watch an optional rewarded advertisement

You can also remove your locally stored application data using the available reset, device-data clearing, or uninstall options.

18. Financial Disclaimer

GeldTrack is a financial tracking and organization tool.

The application is designed to help you record and understand your own financial activity. It is not a bank, financial institution, investment service, tax advisor, accountant, or financial advisor.

GeldTrack does not provide personalized financial, investment, tax, legal, or other professional advice.

Information, calculations, summaries, charts, and other content displayed by GeldTrack are provided as tools for organizing your own financial information.

You are responsible for verifying your information and making your own financial decisions.

You should seek advice from a qualified professional when professional financial, tax, legal, investment, or other specialized advice is required.

19. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to GeldTrack, its features, third-party services, or applicable requirements.

When we make a material change, we may ask you to review and accept the updated Privacy Policy before continuing to use certain parts of the application.

GeldTrack may store your Privacy Policy acceptance locally on your device, including the version of the policy that you accepted and the date of acceptance.

If a new Privacy Policy version requires renewed consent, GeldTrack may ask you to review and accept the updated version.

The Last Updated date at the beginning of this Privacy Policy indicates when the current version was last updated.

20. Contact Us

If you have questions, concerns, or feedback about this Privacy Policy or privacy in GeldTrack, you can contact Cakwe Team at:

geldtrack@cakwe.id

Because GeldTrack does not maintain a central database containing your financial records, we generally cannot retrieve or directly delete financial records from a GeldTrack server on your behalf.

For locally stored information, the appropriate way to remove the information is generally through GeldTrack's available reset functionality, your device's application-data controls, or by uninstalling the application.

21. Summary

In simple terms:

Your financial records are designed to stay on your device.

GeldTrack does not operate its own cloud database containing your transactions, wallets, bills, goals, or other financial records.

GeldTrack does use third-party services for specific purposes:

  • Yandex Mobile Ads & AppMetrica help provide banner, native, and rewarded advertisements, as well as ad performance measurement and error diagnostics.
  • Microsoft Clarity helps us understand application usage and improve the user experience (UI/UX), with all financial data automatically masked.

Your financial records are NEVER sent to these advertising or analytics services by GeldTrack.

Third-party services may nevertheless process certain technical, advertising, diagnostic, or usage-related information as part of providing their services. Their processing is governed by their own privacy policies and practices.

You remain in control of the financial information you choose to enter into GeldTrack and the backup files you choose to export and store.

Last Updated: September 14, 2026

Privacy Policy Version: 1.0.0

Contact: geldtrack@cakwe.id

Operated by: Cakwe Team

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