Privacy Policy

This Privacy Policy explains how My Bills handles information when you use the app or contact CKA Systems for support.

Who we are

My Bills is provided by Chris Aldworth, trading as CKA Systems ("CKA Systems", "we", "us" or "our"). For personal information that CKA Systems receives directly, CKA Systems is the data controller.

You can contact us at info@ckasystems.co.uk.

Information stored only on your device

The balances, income, bills, outgoing items, dates, completion states, settings and other financial-planning information you enter into My Bills are stored locally on your device. CKA Systems does not automatically collect, receive, upload or remotely access that information.

The app uses your locally stored entries to calculate and display your monthly budget, upcoming income, upcoming bills, calendar entries and Safe To Spend figures. These calculations take place on your device.

No CKA Systems account

My Bills does not require you to create a CKA Systems account or provide your name, address or financial-planning information to CKA Systems in order to use the app.

No analytics, advertising or tracking

My Bills does not use advertising SDKs, behavioural analytics, third-party tracking tools or crash-reporting services. The app does not display advertisements and does not sell your information.

Google Play Billing and Premium

My Bills uses Google Play Billing to display subscription products and localised prices, start purchases, restore eligible purchases and determine whether My Bills Premium is active.

Google processes payment details, purchases, renewals, cancellations and refunds under its own terms and privacy policy. CKA Systems does not receive or store your full payment-card or bank-account details.

CKA Systems may receive or access limited purchase information made available through Google Play, such as the product purchased, order or transaction identifier, purchase and subscription status, relevant transaction dates, and limited account or country information shown in Google Play order-management tools. We use this information only to administer Premium access, investigate purchase problems, process eligible refunds or cancellations, prevent abuse and meet legal or accounting obligations.

The app may store a limited entitlement status locally so that it can remember Premium access between Google Play checks. Subscription entitlement is not included in exported backups and is restored or refreshed through Google Play.

Backup, restore and sharing

When you deliberately export or share a backup, Android sends the backup file to the location, app or service you select. That action is initiated and controlled by you.

Backup files may contain sensitive financial-planning information and are not encrypted by My Bills. Store them securely and share them only with services or people you trust. CKA Systems cannot access, inspect, recover or remotely delete your backup files.

Your device manufacturer, operating system or chosen cloud-storage service may separately process or back up app data according to your device settings and its own privacy terms. CKA Systems does not control those services.

Permissions

My Bills uses Android system file-selection and sharing features when you choose to import, export or share a backup. The app does not require broad access to all files stored on your device.

Support communications

If you contact CKA Systems by email, we receive your email address and anything you choose to include. Please do not send backup files, bank details or detailed financial information unless it is genuinely necessary to resolve your enquiry.

We use support information to respond to you, investigate technical or purchase issues, maintain appropriate support records, protect the service from abuse and comply with legal obligations.

Our lawful bases

Where UK data-protection law applies, we rely on the following lawful bases for personal information that CKA Systems actually receives:

• Contract or steps at your request: to provide purchase support, respond to service enquiries and administer Premium access.
• Legitimate interests: to operate and secure the service, investigate faults or abuse, maintain proportionate support records and improve reliability without collecting your in-app financial-planning data.
• Legal obligation: where we must keep or disclose information for tax, accounting, consumer-protection, fraud-prevention or legal purposes.

Service providers and international processing

Limited personal information may be processed by service providers that support Google Play purchases, business email and website hosting. These providers act under their own terms or on our behalf, depending on the service.

Some providers may process information outside the United Kingdom. Where CKA Systems is responsible for such a transfer, we rely on an applicable UK adequacy regulation or appropriate contractual safeguards.

How long information is kept

Your local app data remains on your device until you delete records, clear the app's storage or uninstall My Bills. CKA Systems cannot remotely access or delete it.

Support correspondence is normally kept for up to 24 months after an enquiry is resolved, unless it is needed for longer to handle an ongoing dispute, prevent abuse or comply with legal obligations. Purchase and accounting records are kept only for as long as reasonably necessary for subscription administration and applicable legal, tax or accounting requirements.

Google may retain purchase and subscription records under its own policies. Exported backups remain wherever you saved them until you delete them.

Your data-protection rights

For personal information that CKA Systems holds about you, you may have rights to request access, correction, deletion, restriction or portability, and to object to certain processing. These rights depend on the circumstances and may be subject to legal exceptions.

To exercise a right, email info@ckasystems.co.uk. We may need enough information to verify your identity and locate the relevant record.

You also have the right to complain to the UK Information Commissioner's Office. Details are available at ico.org.uk.

Automated decision-making

My Bills performs budgeting calculations on your device. CKA Systems does not use personal information to make automated decisions about you that produce legal or similarly significant effects, and does not create advertising profiles.

Children's privacy

My Bills is a general personal-finance planning tool and is not directed specifically at children. CKA Systems does not knowingly collect children's in-app financial-planning information. Google Play account and purchase eligibility are governed by Google's terms and parental-control settings.

Changes to this policy

We may update this policy when the app, law or relevant services change. The current version and its last-updated date will be published on this page. Where reasonably possible, material changes will also be communicated through the app or website.