Privacy Policy & Security Architecture
Last updated: November 2026. Pocket Advisor is committed to complete transparency and absolute data privacy.
1. 100% Offline-First Data Guarantee
Pocket Advisor operates with an offline-first architecture. All transaction logs, account balances, category totals, and budget limits are stored locally on your Android device in an encrypted SQLite database using SQLCipher AES-256 encryption. We do not transmit or store your spending data on external servers.
2. Financial SMS Processing Policy
When transaction auto-detection is enabled, Pocket Advisor inspects incoming SMS messages strictly on your local device under Google Play's Financial Money Management exception. Deterministic regex parses banking alert messages (HDFC, SBI, ICICI, Axis, Bandhan, etc.). OTPs and personal chats are instantly discarded in memory and never logged.
3. Cloud Sync & Backups
If you optionally choose to sign in to backup your data, your records are transmitted over TLS 1.3 encryption to your private account and can be permanently deleted at any time via our self-service deletion portal or directly in-app using "Delete Cloud Backup Only" without affecting local records. Optional subscriptions and digital receipts are validated securely via RevenueCat and Google Play Billing.
4. Contact Privacy Officer
For questions regarding our privacy practices, contact us at privacy@pocketadvisor.in.