PRIVACY POLICY
Last updated: July 30, 2026
NRIMoney is developed and published by Vidhan Technologies.
This Privacy Policy explains how NRIMoney handles information when you use the mobile application, advertisements provided through Google AdMob, and the optional Google Drive Backup and Restore feature.
By downloading, accessing, or using NRIMoney, you acknowledge this Privacy Policy.
1. ABOUT NRIMONEY
NRIMoney is a personal expense-management application designed for people who earn, spend, save, or send money across different currencies.
NRIMoney allows users to:
• Record income and expenses
• Track transactions in an earning currency and a home currency
• View converted currency values
• Manage categories and budgets
• Review reports and spending summaries
• Track money available abroad or sent home
• Back up and restore app data through the optional Google Drive feature
NRIMoney is intended only for personal record-keeping and informational purposes.
NRIMoney does not provide banking, payment processing, money-transfer, lending, credit, investment, insurance, taxation, accounting, legal, or financial advisory services.
Exchange rates displayed in the app may be obtained from third-party exchange-rate providers and may be delayed, estimated, unavailable, or different from rates offered by banks and money-transfer services.
2. INFORMATION YOU ENTER
NRIMoney stores information that you manually enter into the app, which may include:
• Income and expense records
• Transaction titles, amounts, dates, and notes
• Earning-currency and home-currency values
• Exchange rates, including manually entered exchange rates
• Categories and budget information
• Money sent home or available abroad
• Wallet, account, payment-method, or other information entered for personal record-keeping
• App preferences and settings
You should not enter sensitive information that is not required for using the app.
Vidhan Technologies does not operate a server that receives or stores your personal NRIMoney transactions, budgets, categories, or financial records.
3. LOCAL STORAGE
By default, NRIMoney stores your personal expense data locally on your device.
Your locally stored information remains under your control and is not automatically uploaded to a Vidhan Technologies server.
Clearing the app’s storage, resetting your device, or uninstalling NRIMoney may permanently remove locally stored data unless you have created a backup.
You are responsible for maintaining appropriate backups of information that is important to you.
4. EXCHANGE-RATE SERVICES
NRIMoney may connect to third-party currency exchange-rate services to retrieve exchange-rate information.
When an exchange-rate request is made, those providers may receive technical information necessary to process the request, such as:
• Requested currency codes
• Device IP address
• Request date and time
• Basic network and technical information
NRIMoney may store the last successfully received exchange rate locally so that it can continue displaying a previously available rate during temporary network or provider failures.
NRIMoney does not send your personal transaction history, income records, expense records, transaction notes, or budgets to exchange-rate providers.
Exchange-rate information is provided for convenience only and should not be relied upon for banking, legal, tax, investment, accounting, or money-transfer decisions.
5. GOOGLE ADMOB ADVERTISING
NRIMoney uses Google AdMob, an advertising service provided by Google, to display advertisements.
The Google Mobile Ads SDK may automatically collect, process, or share certain technical and advertising-related information, including:
• Device IP address, which may be used to estimate a general location
• Device and advertising identifiers
• App-set identifiers and similar identifiers
• App interactions, such as app launches, taps, ad impressions, and video views
• Advertisement interaction data
• Diagnostic and performance information
• Information used to detect fraud, abuse, and invalid advertising activity
• Device, operating-system, and app-related technical information
Google may use this information to:
• Display and deliver advertisements
• Provide personalised or non-personalised advertisements
• Measure advertisement performance
• Limit how often advertisements are shown
• Produce aggregated advertising reports
• Detect fraud, abuse, and invalid traffic
• Maintain and improve Google advertising services
The advertisements shown may depend on factors such as your approximate location, device information, advertising settings, consent choices, app activity, and Google account settings, where applicable.
NRIMoney does not provide your manually entered income, expense records, transaction notes, budgets, or personal financial history to Google AdMob for advertising purposes.
Google handles advertising-related information according to its own privacy policies and terms.
Google Privacy Policy:
https://policies.google.com/privacy
How Google Uses Information From Apps That Use Its Services:
https://policies.google.com/technologies/partner-sites
Google Advertising Information:
https://policies.google.com/technologies/ads
Google My Ad Center:
https://myadcenter.google.com/
6. PERSONALISED AND NON-PERSONALISED ADVERTISEMENTS
Depending on your country, consent choices, device settings, and applicable laws, NRIMoney may display personalised, non-personalised, or limited advertisements.
Personalised advertisements may use information such as advertising identifiers, general interests, previous advertising interactions, or other information processed by Google.
Non-personalised advertisements are selected mainly using contextual information, but Google may still process certain information for purposes such as:
• Frequency capping
• Aggregated advertisement reporting
• Fraud prevention
• Security
• Advertisement delivery
Where required by applicable law, NRIMoney may display a consent or privacy-choice message before requesting advertisements.
You may be able to manage advertising personalisation through:
• Google My Ad Center
• Your Google account settings
• Your Android device’s privacy or advertising settings
• A privacy-options screen presented inside NRIMoney, where available
You may also be able to reset or delete your device’s advertising identifier through Android settings.
7. ADVERTISING CONSENT AND PRIVACY CHOICES
For users in regions where consent is required, including certain users in the European Economic Area, United Kingdom, and Switzerland, NRIMoney may use Google’s User Messaging Platform to request or manage advertising consent.
Depending on the available options, you may be able to:
• Consent to personalised advertisements
• Choose non-personalised or limited advertisements
• Review advertising partners
• Change or withdraw eligible privacy choices
• Access privacy options again from the app
Withdrawing or changing consent does not necessarily prevent all advertisements from being shown. It may change the type of advertisement and the information permitted to be used.
8. OPTIONAL GOOGLE DRIVE BACKUP
NRIMoney provides an optional Google Drive Backup and Restore feature.
When you choose to use this feature, NRIMoney requests access only to:
https://www.googleapis.com/auth/drive.appdata
This permission allows NRIMoney to save and restore NRIMoney backup information in a private, application-specific area of your selected Google Drive account, known as the Google Drive application-data folder.
The application-data folder is intended for files created and managed by NRIMoney. Its contents are not shown with your normal Google Drive files.
NRIMoney does not request permission to browse, read, modify, delete, or share your other Google Drive files.
Google Drive Backup is optional. You decide whether to:
• Sign in with Google
• Create a backup
• Replace an existing backup
• Restore a backup
Normal expense-tracking features do not require Google sign-in.
Google processes Google account and Google Drive information according to Google’s own Privacy Policy and Terms of Service.
Google Privacy Policy:
https://policies.google.com/privacy
Google Terms of Service:
https://policies.google.com/terms
9. GOOGLE ACCOUNT USE
NRIMoney uses your selected Google account only when you choose to use Google Drive Backup and Restore.
Google sign-in is not required to:
• Add transactions
• Manage categories
• Track budgets
• View reports
• Use currency-conversion features
• Use other normal local features
NRIMoney does not receive or store your Google account password.
Authentication is managed through Google’s secure sign-in and authorisation services.
10. HOW INFORMATION IS USED
Information handled by NRIMoney may be used to:
• Record and display personal income and expenses
• Calculate earning-currency and home-currency values
• Calculate balances, budgets, and reports
• Store app data locally on your device
• Retrieve and cache exchange rates
• Back up and restore data when you choose Google Drive Backup
• Display advertisements through Google AdMob
• Maintain app performance and stability
• Detect errors, abuse, fraud, and invalid advertisement activity
• Comply with applicable legal and platform requirements
Vidhan Technologies does not sell, rent, or trade your manually entered personal financial records.
11. INFORMATION SHARING
NRIMoney does not sell or intentionally disclose your personal expense records to advertisers.
Information may be processed by third-party services only when necessary to provide features you use, including:
• Google AdMob for advertising
• Google Drive for optional backup and restore
• Google authentication services for optional Google sign-in
• Exchange-rate providers for currency conversion information
• Google Play services required for Android app functionality
These third-party services handle information according to their own privacy policies, terms, technologies, and legal obligations.
NRIMoney may also disclose information when legally required, such as in response to a valid court order, legal process, or government request.
12. DATA SECURITY
NRIMoney is designed to keep your personal expense information primarily under your control.
Your transaction records are stored locally on your device unless you choose to create a Google Drive backup.
Google Drive Backup uses Google authentication and Google Drive services.
Advertising and other online requests may be transmitted securely using industry-standard encrypted connections where supported by the relevant service.
However, no application, device, network, storage system, or online transmission method can be guaranteed to be completely secure.
You are responsible for protecting:
• Your mobile device
• Your screen lock and device credentials
• Your Google account
• Your backup access
• Any information entered into the app
13. DATA RETENTION AND DELETION
Locally stored NRIMoney data remains on your device until you:
• Delete individual records
• Use an available reset or deletion feature
• Clear the app’s storage
• Uninstall the app
• Reset or replace your device
Google Drive backup information remains in NRIMoney’s private Google Drive application-data area until it is replaced, removed through available app functionality, or otherwise deleted according to Google Drive controls and policies.
Advertising-related information collected by Google is retained and handled according to Google’s own retention practices, privacy policies, user settings, and legal obligations.
You can manage certain Google advertising and account information through:
https://myadcenter.google.com/
https://myaccount.google.com/
14. YOUR PRIVACY CHOICES
Depending on your location, applicable law, and the features available in NRIMoney, you may have choices concerning:
• Personalised advertisements
• Non-personalised or limited advertisements
• Google advertising settings
• Google account permissions
• Google Drive Backup
• Deleting locally stored records
• Clearing app data
• Resetting or deleting your Android advertising identifier
• Withdrawing previously provided advertising consent
Removing Google Drive access from your Google account may prevent future backup or restore operations until permission is granted again.
15. CHILDREN’S PRIVACY
NRIMoney is not directed towards children and is not intended for children below the minimum age required by applicable law to use the app independently.
Vidhan Technologies does not knowingly collect personal financial information directly from children.
Parents or guardians should supervise a child’s use of mobile applications, financial-recording tools, advertisements, and Google services.
If you believe that a child has provided personal information through NRIMoney inappropriately, contact us using the details below.
16. THIRD-PARTY LINKS AND ADVERTISEMENTS
NRIMoney may display advertisements or links that lead to websites, apps, products, or services operated by third parties.
Vidhan Technologies does not control and is not responsible for:
• Third-party advertisement content
• External websites or applications
• Third-party privacy practices
• Products or services promoted in advertisements
• Purchases, communications, or transactions between users and advertisers
Opening or interacting with an advertisement or external link is subject to the third party’s own policies and terms.
You should review the privacy policy and terms of any external service before providing information or completing a transaction.
17. INTERNATIONAL DATA PROCESSING
Google and other third-party service providers may process advertising, authentication, backup, or technical information in countries other than the country where you live.
Those countries may have different data-protection laws.
The handling and international transfer of information by third-party providers is governed by their respective privacy policies, contractual protections, and applicable laws.
18. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy when necessary to reflect:
• Changes to NRIMoney features
• Introduction or removal of advertising services
• Changes to Google Drive Backup
• Changes to third-party services
• Legal or regulatory requirements
• Google Play or AdMob policy requirements
• Changes in our data-handling practices
The latest version will be made available on this page.
The “Last updated” date at the top will indicate when the Privacy Policy was most recently revised.
Continued use of NRIMoney after an updated Privacy Policy becomes effective means that the revised policy applies to your continued use of the app.
19. CONTACT US
For privacy questions, support, feedback, or requests concerning NRIMoney, contact:
Vidhan Technologies
Email: ravithakur0121@gmail.com
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