Effective date: 22 September 2026
Kahan Gaya Paisa is an Android app developed by KHAL Tech. It records your spending on your own phone. This policy explains what the app reads, what it stores, and what leaves your device.
Your spending data is never collected, transmitted, sold or shared. Everything the app records stays in its private storage on your phone. There is no account to sign in to and no server for the app to send anything to. There are no ads, no analytics and no crash reporting. The developer never receives any of your data and has no way to see it.
The app does request the Android INTERNET permission. It does so for one reason: Google’s Play
Billing library, which the app uses to sell its optional Pro upgrade, brings that permission with
it. Nothing the app records about your money travels over it. This is explained in full under
Paying for Pro.
Because nothing reaches the developer, KHAL Tech holds no personal data about you to access, correct or delete; everything the app stores stays on your phone and under your control, as described below.
Each of the following is disclosed inside the app before you are asked to grant it, and can be revoked at any time in Android Settings. The app still works without them; you add transactions by hand instead.
| Access | What is read | Why |
|---|---|---|
| Notification access | Notifications posted by payment apps (such as Google Pay, PhonePe, Paytm, BHIM), banking apps, and messaging apps (such as Google Messages, Samsung Messages and Truecaller) | To record payments automatically from payment alerts and bank SMS, instead of you typing them in |
| Contacts (optional) | Contact names only | So a transfer shows a person’s name instead of a UPI ID or account name |
| Notifications (optional) | Nothing is read | To show a brief, silent alert each time a payment is recorded, and to warn you when spending nears or crosses a budget you set. On the lock screen the alert shows only the app name and “Transaction recorded”, never the amount or payee |
The app does not use an accessibility service and does not read what is on your screen. It does not request the SMS permission and cannot open your message inbox: a bank SMS is read only from the notification your messaging app posts when it arrives.
When contact access is on, the app searches your contacts for a name that closely matches the payee of a newly recorded transaction. Only contact names are read; phone numbers, email addresses and other contact details are not. The matched name, or the fact that there was no match, is saved alongside that payee name so the same contact search is not repeated.
All of it is stored on your device, in the app’s private storage:
The app also lists the merchants you have paid and your spending over time. These are worked out on your phone from the transactions above; nothing extra is collected for them.
Android’s own cloud backup is switched off for this app, so this data is not copied to your Google account automatically.
The app can write a backup file or a CSV export to a folder you choose, either when you ask or on an automatic schedule you set up. A backup contains your transactions, learned categories, names and tags, budgets, recurring payments, profile details, and category icon and colour choices; a CSV export contains your transactions. Either leaves the app’s private storage only by your action.
If you choose a folder that is synchronised to a cloud service — Google Drive, for example — that copy of your data is then handled by that service under its own terms and privacy policy. The app itself never uploads anything. For automatic backups, the app keeps access only to the one folder you picked, and you can turn automatic backups off at any time.
Some of the app’s features are part of an optional paid upgrade. Buying it is handled entirely by Google Play. The app never sees or stores your card, UPI details or any other payment information, and there is no checkout screen inside it. Google processes the payment and records the purchase against your Google account, under Google’s own privacy policy.
All the app keeps is a single yes-or-no answer, stored on your phone: whether this install has the upgrade. To get that answer it asks the Google Play Store app already on your device. Nothing about you, your transactions or your spending is sent in return, or at any other point.
The INTERNET permission arrives with Google’s Play Billing library, which the app uses for the
above. That library includes a Google component that reports diagnostics about how the library
itself is performing. It is part of what Google ships, not something this app adds to it, and it
has no access to your transactions, your notifications or your contacts. The app’s own code opens
no network connections at all.
The library is part of the app whether or not you ever buy the upgrade, and everything described here applies either way.
The app’s background-work library, used to run automatic backups on schedule, declares permissions
to keep the device awake briefly, restart scheduled work after a reboot, and check network state.
The INTERNET permission is covered under Paying for Pro above. The app’s own
code uses none of these to send your data anywhere.
The app is not directed at children and does not knowingly collect information from them.
If this policy changes, the effective date above will be updated and the revised policy will be published at the same location.
Developer: KHAL Tech
Questions about this policy or your data: shardulmane3@gmail.com