Effective date: March 2, 2026 | Last updated: March 20, 2026
QarzDaftar ("the App") is a personal debt and loan tracking application developed by Islomov Odilxon Rustamovich ("Developer", "we", "us", "our"). This Privacy Policy explains what data the App collects, how it is used, and your rights regarding that data.
QarzDaftar is designed with a privacy-first approach. All personal and financial data you enter is stored locally on your device and, if you choose, backed up to your own Google Drive account. We do not operate any servers that collect, store, or process your data.
| Data Type | Examples | Purpose | Storage |
|---|---|---|---|
| Account names | Names of people/firms you track debts with | Core app functionality | Local device database |
| Phone numbers | Optional contact info for accounts | Contact reference | Local device database |
| Financial records | Transaction amounts, dates, notes, currency | Debt/loan tracking | Local device database |
| Photos | Receipt or document images attached to transactions | Record keeping | Local device storage & your Google Drive (if backup enabled) |
| Notes & descriptions | Free-text notes on transactions and accounts | User convenience | Local device database |
| Data Type | Purpose | Shared With |
|---|---|---|
| Android device identifier (ANDROID_ID) | Used solely to pair devices in the Shared Ledger feature. This is a per-app, per-device identifier generated by the Android OS — it is not a hardware serial number or advertising identifier. | Shared only with the linked partner device via your Google Drive |
| Google account email | Used to authenticate with Google Drive for backup/restore and shared ledger sync | Shared only with the linked partner device (if shared ledger is active) |
If you choose to enable Google Drive backup, the App will:
The App requests broad Google Drive access (the drive scope) because the Shared Ledger
feature requires creating shared folders that both you and your partner's device can access.
The standard app-only scope does not support cross-user folder sharing.
Despite having broad access, the App only accesses files and folders it has created
(the "QarzDaftar" folder and its contents). It does not read, modify, or delete any other files
on your Google Drive. You can revoke access at any time via
Google Account Permissions.
Google API Services Limited Use Disclosure: QarzDaftar's use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements.
The Shared Ledger feature allows two users to link their accounts and synchronize transaction data. When you use this feature:
You can disconnect a shared ledger at any time. Upon disconnection, the shared folder remains on Google Drive but no further synchronization occurs.
The App requests camera permission to allow you to take photos of receipts or documents and attach them to transactions. Photos are stored locally on your device and optionally backed up to your Google Drive. The camera is never activated without your explicit action.
The App may request access to your contacts to help you quickly fill in account names and phone numbers. Contact data is not stored, uploaded, or transmitted. It is only used for on-device auto-completion suggestions.
The App may request permission to send notifications (Android 13+). Notifications are used to inform you about background sync progress, shared ledger activity (e.g., incoming transactions from your partner), and backup status. No notifications are sent without your permission. You can disable notifications at any time via Android Settings → Apps → QarzDaftar → Notifications.
The App uses Android WorkManager to perform periodic background synchronization with Google Drive. This ensures your backups and shared ledger data stay up to date even when the App is not actively open. The App may request to be excluded from battery optimization to ensure reliable background sync. You can manage this at any time via Android Settings → Battery → QarzDaftar.
The App supports biometric lock (fingerprint or face recognition) using the Android BiometricPrompt API. Biometric data is never accessed, stored, or transmitted by the App. Authentication is handled entirely by the Android operating system.
QarzDaftar uses a freemium model:
All payment processing is handled by Google Play Billing. We do not collect, store, or have access to your payment information (credit card numbers, billing address, etc.). If your subscription expires, you are downgraded to the free tier — no data is ever deleted.
Option 1: Delete Data Within the App
Option 2: Clear All App Data via Device Settings
Option 3: Uninstall the App
Uninstalling QarzDaftar from your device will permanently remove all local data, including accounts, transactions, photos, templates, and settings.
Option 4: Delete Google Drive Backups
If you used the Google Drive backup feature, a copy of your data may exist on your Google Drive. To delete it:
| Data Type | Deleted When | Retention After Deletion |
|---|---|---|
| Accounts (names, phone numbers) | Deleted in-app, cleared data, or uninstalled | Immediately and permanently deleted |
| Transactions (amounts, dates, notes) | Deleted in-app, cleared data, or uninstalled | Immediately and permanently deleted |
| Photo attachments | Deleted in-app, cleared data, or uninstalled | Immediately and permanently deleted |
| App settings & preferences | Cleared data or uninstalled | Immediately and permanently deleted |
| Google Drive backups | Manually deleted from Google Drive | Subject to Google Drive retention policies |
| Subscription/purchase data | Managed by Google Play | Subject to Google's retention policy |
Note: If you used the Shared Ledger feature, your partner may have a copy of shared transaction data on their device or Google Drive. Deleting your data does not delete the copy on your partner's device.
If you need assistance deleting your data, contact us at odilhon1985@gmail.com with the subject "QarzDaftar Data Deletion Request".
QarzDaftar is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided data through the App, the data exists only on that device and can be deleted by clearing app data or uninstalling.
The App integrates with the following third-party services:
| Service | Purpose | Privacy Policy |
|---|---|---|
| Google Drive API | Cloud backup, restore, and shared ledger sync | Google Privacy Policy |
| Google Play Billing | In-app purchases | Google Privacy Policy |
You have the right to:
We may update this Privacy Policy from time to time. Changes will be reflected by updating the "Last updated" date at the top. We encourage you to review this policy periodically. Continued use of the App after changes constitutes acceptance of the updated policy.
If you have any questions or concerns about this Privacy Policy or the App's data practices, please contact us: