MG Fintech Software Solutions (“we”, “us”, “our”) publishes SARAL - Tracker Personal (“SARAL”, “the App”). This Privacy Policy explains what information the App processes, how it is stored, and your choices.
Package name: com.saral_saral.saral ·
Contact: Support@mgfintech.com
1. Summary
- SARAL v3.1.0 is offline-first and local-only for your personal data. Core records live in on-device SQLite storage.
- On Android, bank and financial SMS are parsed on your phone only to populate income, expenses, bills, and tasks.
- Raw SMS content is not sold and is not uploaded to our servers.
- Cloud sync is disabled in v3.1.0. There is no cloud backup toggle in Settings for this release.
- Receipt photos are processed on-device using optical character recognition (OCR). Images are not sent to our servers.
- The App is free and ad-supported (Google AdMob). Interstitial ads are disabled in v3.1.0.
2. Information we process
2.1 Financial and profile data (stored locally only)
- Transaction amounts, dates, merchants/payees, categories, and your selected base currency (from onboarding or Settings)
- Income, expenses, bills, and EMI reminders
- Profile: name, age, profession, country, user type (Individual, Freelancer, or Business)
- Business profile (optional): business name, PAN, GSTIN, revenue estimates
- Budget settings: monthly income and fixed commitments
- Tasks, shopping lists, health/water logs, sleep logs, fridge inventory, and receipt records you enter or capture
All of the above remains on your device unless you explicitly share it (e.g., via your device’s share sheet). We do not receive copies of this data on our servers in v3.1.0.
2.2 SMS (Android only)
If you grant SMS permission, SARAL reads financial and utility-related messages to extract transaction details, bill due dates, and delivery/appointment reminders. Parsing uses a rule-based engine on your device. A copy of the original SMS may be stored locally so you can review it in transaction details — this is for your audit only.
We do not transmit your SMS inbox or raw SMS body text to our servers.
SMS auto-parsing templates are optimized for Indian banks today. Users in other regions may rely more on manual entry and on-device receipt OCR.
2.3 Camera and receipt OCR (on-device)
If you use Receipt Rescue, SARAL accesses your device camera to photograph receipts. Optical character recognition (Tesseract) runs entirely on your phone to suggest merchant and amount fields. Receipt images and extracted text are stored locally in SQLite unless you delete them.
Receipt images and OCR output are not uploaded to our servers in v3.1.0.
2.4 Local notifications
If you grant notification permission, SARAL schedules reminders on your device (e.g., morning briefing, bill due dates, hydration nudges based on wake/sleep times you configure in Health). Notification content is generated locally; we do not operate a push notification server for your personal finance data.
2.5 Automatically collected data (limited network use)
- Crash diagnostics (Firebase Crashlytics): anonymized stack traces and device metadata to fix bugs. We configure Crashlytics not to include SMS content, receipt images, or transaction details in crash reports.
- Advertising data (Google AdMob): advertising ID and device information as described in Google’s Privacy Policy. Banner ads may appear on the Money screen. You can reset your advertising ID in Android Settings.
Aside from Crashlytics and AdMob, v3.1.0 does not sync your personal finance database to Firebase Firestore or any other MG Fintech backend.
2.6 Cloud sync (not available in v3.1.0)
Earlier policy versions described optional business cloud sync. Cloud sync is disabled and hidden in SARAL v3.1.0. If we introduce optional encrypted backup in a future update, we will publish an updated policy and require your explicit opt-in before any data leaves your device. SMS body text will remain excluded from any future sync payload.
3. How we use information
- Provide expense, income, bill, task, health, shopping, receipt, and fridge features
- Format amounts and dates according to your selected currency and locale
- Improve stability and fix crashes (Crashlytics)
- Display advertisements (AdMob banners on supported screens)
- Comply with legal obligations and respond to support requests
We do not use your data for credit scoring, selling to data brokers, or unrelated marketing.
4. Legal basis (where applicable)
We process data to perform the service you request (app functionality), with your consent where required (SMS permission, camera, notifications), and for legitimate interests such as security and crash prevention.
5. Sharing with third parties
- Google AdMob — advertising (banner ads; no sale of your transaction data to advertisers)
- Google Firebase Crashlytics — crash reporting only in v3.1.0
- Law enforcement — only if required by applicable law
We do not sell personal information. We do not share your SQLite database contents with third parties in v3.1.0.
6. Data retention & deletion
Data remains on your device until you delete it or uninstall the App. You may wipe all local data at any time via Settings → Clear all data, which removes transactions, profiles, receipts, fridge items, and stored SMS copies from the App database.
Crash logs retained by Google are governed by Firebase retention settings. Because cloud sync is unavailable in v3.1.0, there is no server-side copy of your finance data for us to delete on your behalf — local deletion is the primary control.
7. Security
We use industry-standard protections including Android app sandboxing, encrypted transport (HTTPS/TLS) for Crashlytics and AdMob network calls, and local SQLite storage protected by the Android operating system. No method of storage is 100% secure; keep your device passcode/biometrics enabled.
8. Children’s privacy
SARAL is not directed at children under 13. We do not knowingly collect personal information from children. Contact us if you believe a child has provided data.
9. Your rights
Depending on your location (including GDPR, UK GDPR, UAE PDPL, and similar laws), you may have rights to access, correct, delete, or export your data. Because v3.1.0 stores data locally, Clear all data in the App is the primary deletion method. Email Support@mgfintech.com for other requests.
10. International users
SARAL v3.1.0 is a global personal finance utility. You select your base currency during onboarding (USD, GBP, EUR, AUD, AED, SAR, SGD, CAD, or INR). Amounts and dates are formatted for your locale on-device.
The App is distributed in selected markets including India, the United States, the United Kingdom, Australia, the United Arab Emirates, Singapore, and Canada. Your information is processed on your device; v3.1.0 does not upload your finance database to cloud servers.
11. Changes to this policy
We may update this Privacy Policy. Material changes will be reflected by updating the “Effective” date and policy version above. Continued use after changes constitutes acceptance. If we reintroduce cloud sync or other online features, we will update this policy before enabling them.
12. Contact
MG Fintech Software Solutions
Email: Support@mgfintech.com
Website: www.mgfintech.com