1. The short version
X Money Ledger is a paid, offline-first personal expense log and budgeting tool. The app has no developer-operated account system, backend server, bank connection, advertising, analytics, or cross-app tracking. It does not collect, transmit, sell, rent, or share the personal and financial records you enter.
The app is not a digital wallet, bank, payment service, money transmitter, stored-value product, or cryptocurrency service. It cannot hold, receive, send, exchange, or move real money.
2. Records stored on your device
Transactions, account labels, budgets, categories, notes, and preferences remain in the app's private local storage. The developer cannot view, recover, or remotely erase these records. X Money Ledger does not provide automatic cloud sync or a remote account backup.
The Android app disables backup and device transfer for its app sandbox. On iOS, working-data directories are excluded from backup. Files you deliberately export are separate copies controlled by the destination you select.
3. Export, restore, and deletion
Export creates a backup or CSV on your device and opens the operating system's share sheet. Restore reads only the.xmoney backup selected through the system file picker. These actions do not send the file to the developer. Destinations such as email, messaging, cloud storage, or another file app operate under their own privacy terms.
Local content remains until you delete individual records, choose Delete all data, clear app storage, or uninstall the app. Follow the data deletion guide and export a backup first if you may need the records later.
4. Device features and purchases
If you enable app locking, biometric authentication is performed by the operating system. The app receives only a success or failure result and never receives a fingerprint, face scan, biometric template, or device passcode.
Google Play or Apple App Store processes the paid download under the store's terms. The developer does not receive your full payment-card or store-account credentials. A store may provide purchase status and aggregated commercial reports needed to distribute the app.
5. Support email and this website
When you email support, you voluntarily provide your email address, message, and any attachments you choose. The developer uses them to respond, troubleshoot, protect against abuse, and meet applicable legal obligations. Do not send financial records unless necessary.
This website contains no advertising, analytics, tracking pixels, external fonts, or embedded third-party media. Hosting and network providers may temporarily process basic requests such as an IP address needed to route traffic and security logs used to keep the site available. They may set a strictly necessary security cookie.
6. Children, security, and changes
X Money Ledger is not directed to children under 13 and does not knowingly collect personal information from children. No storage method is perfectly secure, so keep your device updated, use a strong passcode, and protect exported files.
Material policy changes will be posted here with an updated date and communicated in the app when reasonably required by law.
7. Contact
For privacy questions or requests, email mike.johnson2323535@gmail.com. You may ask for a support conversation to be deleted, subject to minimal retention reasonably needed for security, legal compliance, or dispute resolution.