1. Summary
Your financial data stays on your phone, and in your own Google Drive if you choose cloud backup. It is never uploaded to any server of ours.
The app works fully without an account. Google sign-in is optional and is used only to upload your backup to your own Drive and restore it.
The free version shows Google AdMob ads and uses your device’s advertising ID. Premium is purchased through Google Play.
2. What the app stores on your device
| Type | Content |
|---|---|
| Financial data | Accounts, transactions (amount, date, time, category, payee, note), budgets, goals, tags, templates, bills, debts and repayments, savings circles and installments |
| Attachments | Receipt photos or PDF files you choose to attach to a repayment |
| Settings | Language, country and currency, theme, and backup options |
| Local backups | An automatic daily copy for the last 7 days inside the app’s private storage |
3. What the app does not do
- It does not send your financial data or attachments to any server of ours.
- It does not read your messages or bank accounts, and does not connect to any bank.
- It does not sell or share your data with anyone.
- It uses no analytics or tracking of what you do inside the app.
4. Google sign-in (optional)
When you sign in, authentication happens through Google and Firebase Authentication. That service keeps only your account ID and email address to complete sign-in, and holds no financial data.
The app requests only the drive.file scope, which lets it see only the files it created in your Drive, and nothing else.
The backup is saved in a folder named Masarify in your Google Drive, where you can view or delete it at any time.
5. Encryption
You can set a backup password. Every backup (local and on Drive) is then encrypted with AES-256-GCM, using a key derived from your password with PBKDF2-SHA256.
The password is never stored or sent anywhere. If you forget it, no one, including us, can open the encrypted backups.
6. Permissions
| Permission | Reason |
|---|---|
| Internet | Ads, sign-in, Drive backup, and purchases |
| Advertising ID | Showing Google AdMob ads |
| Camera, photos and files | Only when you choose to attach a receipt, through the system’s own pickers |
7. Ads and purchases
The free version shows Google AdMob ads, after asking for your consent where required. We block all sensitive ad categories, such as gambling, dating and suggestive content, and limit ads to a general-audience rating.
You can optionally watch a rewarded ad to pause ads for a full day. A Premium subscription removes ads; payment happens through Google Play and we never see payment details.
How Google uses data: policies.google.com/technologies/partner-sites
8. Deleting your Masarify Wallet account and data
Masarify Wallet does not store your financial data on any of our servers, so deletion works as follows:
- Data on your phone: uninstall the app, or clear its data in Android settings (Apps → Masarify → Storage → Clear data). This immediately deletes all transactions, accounts, attachments and local backups.
- Google Drive backup: open Google Drive and delete the Masarify folder, or in the app go to Settings → Backup → Sign out, then delete the folder.
- Account deletion request: email privacy@nagarix.app with the subject “Delete request – Masarify” from the same Google email used in the app.
What is deleted: your email address and any sign-in identifier, within 30 days of the request.
What may be retained: aggregated ad and crash data held by Google (AdMob and Firebase) under Google’s policies, which we cannot link to you. We keep no financial data.
9. Children
The app is a personal expense tool and is not directed at children under 13.
10. Data security
Your data lives in the app’s private storage, which Android isolates from other apps. All connections to Google services use encrypted HTTPS.
11. Changes to this policy
Any update that adds a feature collecting data or using the network will come with an update to this policy before the feature ships, with a new “Last updated” date above.
12. Contact
Developer: Nagarix
Email: privacy@nagarix.app