Privacy Policy — Envelop

Effective Date: April 1, 2026

Overview

Envelop ("the App") is developed and maintained by Koopware. We are committed to protecting your privacy. This policy describes what data we collect and how we use it.

Data Collection

The App collects minimal data:

• Expense and budget data: All your expenses, budget envelopes, and financial data are stored locally on your device only. We do not have access to your financial data and it is never uploaded to any server.
• App preferences: Your currency selection, theme choice, and other settings are stored locally on your device.
• Advertising data: Our free version displays a small, non-intrusive banner advertisement. Our advertising partners may collect anonymous device identifiers to serve relevant ads. You can remove all ads with a one-time in-app purchase.

Permissions

Envelop requires zero device permissions. No camera, no microphone, no contacts, no location, no storage access. The App functions entirely without any special permissions.

Data Storage

All user data (expenses, budget envelopes, settings, and preferences) is stored locally on your device. We do not operate any servers that store your personal data. Your financial information never leaves your device.

Third-Party Services

The App uses the following third-party services:

• Start.io (StartApp): For displaying advertisements. Start.io Privacy Policy

When you purchase the ad-free upgrade, no advertising SDKs are active and no advertising data is collected.

In-App Purchases

The App offers a one-time "Remove Ads" purchase. This transaction is processed entirely by the app store (Amazon Appstore or Huawei AppGallery). We do not collect, store, or have access to any payment information.

Children's Privacy

The App is a general audience utility application. It is not directed to children under 13. We do not knowingly collect personal information from children. The App does not contain any child-directed content, characters, or activities.

Your Rights

You can delete all locally stored data at any time by:

• Using the "Clear All Data" option in Settings to delete all expenses and budget envelopes
• Clearing the app's data in your device settings to reset all preferences
• Uninstalling the app to remove all associated data

Changes to This Policy

We may update this policy from time to time. Changes will be posted on this page with an updated effective date.

Contact

If you have questions about this privacy policy, please contact us at:
Email: support@koopmans.co.za
Website: koopmans.co.za
Developer: Koopware