Pultrack Worth — Privacy Policy

Last updated: 22 July 2026

Pultrack Worth is a personal net-worth and budgeting app for Android. It is built to be private: your financial data is computed and storedon your device, there is no account to create, and by default nothing you enter ever leaves your phone. This policy explains exactly what happens with your data — including the one optional feature that sends anything off the device.

1. Who we are

Pultrack Worth (“the app”, “we”) is published by Pultrack. Contact details are in section 11.

2. What the app stores, and where

Everything you enter — assets, liabilities, transactions, categories, goals, and settings — is stored only on your device, in the app’s private storage. We do not operate a user database, and the app has no account, sign-up, or login. We never receive, see, or store your transactions, notes, balances, or any identifier that ties data to you.

3. Permissions

The app requests a single permission: Internet, used only for the optional AI Advisor described below. It doesnot request access to SMS, contacts, location, the camera, photos, or files, and it does not read your messages.

4. The optional AI Advisor

The app includes an optional AI Advisor that writes a short plain-language briefing about your month. It is off by defaultand only becomes active if you deliberately enter an advisor endpoint in Settings. When it is on:

• What is sent: only an anonymous summary of figures— your net worth, monthly income, spending and surplus, savings rate, required and projected monthly amounts, your goal target and month, an assumed annual-return percentage, a plan verdict, and your top spending categories by name and amount (category names come from a fixed built-in list, e.g. “Groceries”).
• What is never sent: your individual transactions, notes or merchant text, account numbers, your name, or any personal identifier. (The app has no access to SMS or contacts at all.)
• Where it goes: the summary is sent over an encrypted (HTTPS) connection to a proxy service, which forwards it to a third-party AI provider that generates the briefing. The proxy stores nothing. The third-party AI provider processes the summary to produce the response and may retain it briefly (typically up to ~30 days) for abuse monitoring, per its own terms.
• Why: solely to generate your briefing. It isnot used for advertising, marketing, analytics, or profiling, and your data is never sold.
• How to turn it off: clear the advisor endpoint in Settings. With it blank, the app runs fully offline and sends nothing.

The AI briefing is general information, not licensed financial advice.

5. Analytics and tracking

There are none. The app contains no analytics SDK, no crash-reporting SDK, no advertising identifier, and no third-party trackers.

6. Data sharing and selling

We do not sell your data and do not share it with anyone, except for the single, user-initiated flow in section 4 (the anonymous summary sent to the AI provider when you enable the advisor).

7. Data retention and deletion

Because your data lives only on your device, you are in full control of it. To delete everything, clear the app’s data in Android Settings or uninstall the app. There is no server-side copy or account for us to delete, and nothing to request from us.

8. Security

On-device data is held in the app’s private storage and is excluded from device backups. Any data sent by the optional advisor is encrypted in transit (HTTPS); cleartext connections are disabled app-wide.

9. Children

The app is not directed to children under 13 and does not knowingly collect data from them. As it collects no personal data by default, this is inherent to its design.

10. Changes to this policy

If this policy changes, we will update this page and revise the “Last updated” date above.

11. Contact

Questions about this policy or your data: reach us on Telegram att.me/pultrack_01_bot or WhatsApp at+971 54 470 6425.