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  Privacy Policy for ArrearX Effective Date: 2026/02/22 ArrearX – Expense & Due Tracker ("ArrearX", "we", "our", or "us") respects your privacy. This Privacy Policy explains how information is handled when you use our application. 1. Information We Collect ArrearX does not collect, store, transmit, or share any personal information from users. We do not collect: Name Email address Phone number Location data Financial information Device contacts Any personally identifiable information 2. Local Data Storage All financial data entered into ArrearX (such as income, expenses, and dues) is stored locally on your device only . We do not have access to your data. We do not store your data on any external server or cloud system. 3. Third-Party Services ArrearX does not use: Analytics services Advertising networks Cloud storage services Third-party data collection tools 4. Data Sharing Since we d...