一、应用简介

本应用是个人本地债务记账工具，仅供用户自行记录。

二、数据存储与隐私保护

2.1 本地存储原则

本应用所有数据，包括账单、对方信息、还款记录和导出备份，均存储在用户设备本地，不会收集、上传或传输任何个人信息至外部服务器。

2.2 数据类型

• 债务记录：借出或借入金额、对方姓名、交易日期、还款日期、备注等。
• 还款记录：还款金额、还款日期、备注等。
• 应用设置：通知偏好、备份提醒设置等。
• 导出备份：用户主动导出的 CSV 或 JSON 文件。

三、权限说明

本应用遵循最小权限原则，仅在必要时申请以下权限。

3.1 通知权限

• 用途：用于 WorkScheduler + Notification 的本地到期提醒。
• 说明：这是本地调度提醒，不是远程推送。
• 申请时机：仅在用户同意隐私政策并主动开启提醒功能后申请。
• 可选性：用户可随时在系统设置中关闭。

3.2 存储读写权限

• 用途：用于用户主动导入或导出 CSV/JSON 文件，便于本地备份。
• 说明：仅在用户点击“导入”或“导出”按钮时使用。
• 申请时机：首次使用导入或导出功能时申请。
• 可选性：不使用导入或导出功能则无需授权。

3.3 通讯录和相机权限

• 当前状态：默认不开启。
• 说明：如未来提供可选功能，例如从通讯录选择联系人或拍照记录凭证，将在使用前单独说明并征得授权。
• 可选性：完全可选，不影响核心功能。

四、数据安全措施

4.1 本地 SQLite 存储

所有数据存储在设备本地的 SQLite 数据库中，受操作系统沙箱保护。

4.2 零网络传输

本应用不包含任何网络请求功能，数据不会通过网络传输到外部服务器。

4.3 系统权限最小化

仅申请必要的最小权限集，不会申请与功能无关的权限。

4.4 建议定期备份

建议用户定期通过导出功能备份数据，以防设备故障导致数据丢失。

五、数据访问与控制权利

5.1 完全控制权

• 查看：随时查看所有债务记录和还款记录。
• 修改：随时编辑任何记录。
• 删除：随时删除任何记录或清空所有数据。
• 导出：随时将数据导出为 CSV 或 JSON 格式。

5.2 数据迁移

• 本地备份
• 设备间迁移
• 数据分析（用户自行处理）

5.3 数据删除

• 删除应用即可删除所有本地数据。
• 应用内可随时删除单条或全部记录。
• 无需联系开发者，数据完全由用户控制。

六、第三方服务

6.1 无第三方 SDK

• 无广告 SDK
• 无统计分析 SDK
• 无推送服务 SDK
• 无社交分享 SDK
• 无支付 SDK

6.2 无数据共享

本应用不与任何第三方共享用户数据。

七、儿童隐私保护

本应用不针对 14 岁以下儿童设计。如果我们发现在不知情的情况下收集了儿童的个人信息，或存在任何相关误收集情况，我们将立即删除相关数据。当前应用设计为本地记录工具，实际上不收集用户个人信息。

八、法律免责声明

8.1 工具性质

本应用是个人记账工具，不是金融工具，不提供任何金融服务或法律建议。

8.2 记录效力

应用中记录的信息不构成任何法律文件或证据。

8.3 责任限制

对因债务纠纷引起的任何损失，开发者不承担任何责任。

8.4 数据丢失

因设备故障、用户误操作、系统升级等导致的数据丢失，开发者不承担责任。建议用户定期备份数据。

九、隐私政策变更

9.1 变更通知

• 应用内弹窗通知
• 更新日志说明
• 要求用户重新同意

9.2 持续使用

在隐私政策变更后继续使用本应用，即表示您同意变更后的隐私政策。

十、联系我们

如果您对本隐私政策有任何疑问、意见或建议，请通过以下方式联系我们。

十一、适用法律

本隐私政策受中华人民共和国法律管辖。

附录：权限详细说明

说明：所有权限均为可选，不授权不影响核心记账功能。

1. Introduction

This app is a personal local debt tracking tool for self-recording only.

2. Data Storage and Privacy Protection

2.1 Local Storage Principle

All data in this app, including bills, counterparty information, repayment records, and exported backups, is stored locally on the user's device and is not collected, uploaded, or transmitted to external servers.

2.2 Data Types

• Debt Records: lent or borrowed amounts, counterparty name, transaction date, repayment date, notes, and related entries.
• Repayment Records: repayment amount, repayment date, notes, and related entries.
• App Settings: notification preferences, backup reminder settings, and similar local options.
• Exported Backups: CSV or JSON files actively exported by users.

3. Permissions

This app follows the principle of minimum permissions and requests permissions only when necessary.

3.1 Notification Permission

• Purpose: local due date reminders through WorkScheduler and Notification.
• Note: this is a local scheduled reminder, not a remote push service.
• Request Timing: requested only after the user agrees to the privacy policy and actively enables reminders.
• Optional: users can disable it at any time in system settings.

3.2 Storage Read and Write Permission

• Purpose: user-initiated import or export of CSV and JSON files for local backup.
• Note: used only when the user taps the import or export action.
• Request Timing: requested when the import or export feature is used for the first time.
• Optional: no authorization is needed if import or export is not used.

3.3 Contacts and Camera Permission

• Current Status: disabled by default.
• Note: if optional features are added later, such as selecting contacts or attaching voucher photos, they will be explained separately and authorized before use.
• Optional: completely optional and does not affect core functionality.

4. Data Security Measures

4.1 Local SQLite Storage

All data is stored in a local SQLite database on the device and protected by the operating system sandbox.

4.2 Zero Network Transmission

This app does not contain any network request functionality, and data is not transmitted to external servers over the network.

4.3 Minimal System Permissions

Only the minimum permission set required for relevant functions is requested.

4.4 Regular Backup Recommended

Users are advised to back up data regularly through the export feature to reduce the risk of data loss caused by device failure.

5. Data Access and Control Rights

5.1 Full Control

• View: view all debt and repayment records at any time.
• Edit: edit any record at any time.
• Delete: delete any record or clear all data at any time.
• Export: export data as CSV or JSON files at any time.

5.2 Data Migration

• Local backup
• Migration between devices
• Data analysis handled by the user

5.3 Data Deletion

• Removing the app removes all local data.
• Single or all records can be deleted at any time inside the app.
• No need to contact the developer because the data is fully controlled by the user.

6. Third-Party Services

6.1 No Third-Party SDKs

• No advertising SDK
• No analytics SDK
• No push service SDK
• No social sharing SDK
• No payment SDK

6.2 No Data Sharing

This app does not share user data with any third parties.

7. Children's Privacy Protection

This app is not designed for children under the age of 14. If we discover any inadvertent collection of children's personal information, we will delete the relevant data immediately. In practice, this app is designed as a local record tool and does not collect user personal information.

8. Legal Disclaimer

8.1 Nature of the Tool

This app is a personal record-keeping tool, not a financial product, and does not provide financial services or legal advice.

8.2 Validity of Records

Information recorded in the app does not constitute legal documents or evidence.

8.3 Limitation of Liability

The developer is not responsible for losses arising from debt disputes.

8.4 Data Loss

The developer is not responsible for data loss caused by device failure, user error, system upgrades, or similar events. Users are advised to maintain backups regularly.

9. Privacy Policy Changes

9.1 Change Notification

• In-app pop-up notice
• Update log description
• Requesting renewed user consent

9.2 Continued Use

Continued use of this app after privacy policy changes means that you agree to the updated privacy policy.

10. Contact Us

If you have any questions, comments, or suggestions about this privacy policy, please contact us through the following channels.

11. Applicable Law

This privacy policy is governed by the laws of the People's Republic of China.

Appendix: Detailed Permission Description

Note: All permissions are optional. Refusing authorization does not affect the core bookkeeping functions.