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Privacy Policy for Qivio

Privacy Policy for Qivio Effective Date:  June 24, 2026 Thank you for choosing to use Qivio ("the App"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains what information we collect, how we use it, and your rights in relation to it when you use our mobile application. 1. Information We Collect A. Information Collected Automatically When you use Qivio, we may automatically collect certain information about your device and usage, including: Device Data:  We may collect device information such as your mobile device ID, model, manufacturer, operating system version, and IP address. Usage Data:  Information regarding your interactions with the App, such as features used and time spent. B. Device Permissions To provide its core functionality, Qivio requests the following permissions on your device: Camera Permission:  We require access to your device's camera s...
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  Privacy Policy for Spendly Effective Date:  June 23, 2026 1. Introduction  Hamdan Hassan ("we", "us", or "our") built the Spendly - Budget & Expense Tracker app as a Free app. This SERVICE is provided by Hamdan Hassan at no cost and is intended for use as is. This page is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service. 2. Data Collection and Storage (Offline Nature of the App)  Spendly is designed to function primarily offline. All of your personal financial data, budgets, and expense entries are stored locally on your device. We do not transmit, upload, or store your personal financial data on our servers. 3. Third-Party Services and Advertising  While we do not collect personal financial data, our app does use third-party services that may collect information used to identify you. Google AdMob:  We use Google AdMob to display adver...
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