Smart Pocket

Effective Date: [ 5 June 2026 ]
Last Updated: [ 7 August 2026 ]

Smart Pocket respects your privacy and is committed to protecting personal information entrusted to us.

This Privacy Policy explains how Smart Pocket collects, uses, processes, stores, shares, transfers, and protects personal information when you access or use our website, web application, desktop applications, mobile-optimised services, dashboards, artificial-intelligence features, communications, and related products and services collectively referred to as the “Services.”

For purposes of this Privacy Policy, “Smart Pocket,” “we,” “us,” and “our” refer to:

Legal Entity: Manhatin Computer Software Consultancy
Country of Establishment: United Arab Emirates
Address: Al Majaz 2, Sharjah, United Arab Emirates
Privacy Email: contact@1smartpocket.com
Telephone: +971 50 832 2799

By creating an account or using the Services, you acknowledge that your personal information may be processed as described in this Privacy Policy.

Where applicable law requires consent for a particular activity, we will request that consent separately.

1. Scope of This Privacy Policy

This Privacy Policy applies to personal information processed through Smart Pocket, including information processed through:

our website;
Smart Pocket user accounts;
dashboards;
web and desktop applications;
mobile-optimised interfaces;
AI-assisted features;
receipt and document processing;
voice-assisted features;
subscription-management features;
shared-money and household features;
customer support;
transactional and service communications;
payment and subscription administration; and
other related Smart Pocket services.

This Privacy Policy does not govern independent third-party services that have their own privacy policies.

2. Our Role in Processing Personal Information

Depending on the circumstances, Smart Pocket generally acts as the controller of personal information relating to users of the Services.

Certain third-party providers may act as processors or independent controllers depending on the services they provide.

Where you enter information relating to another individual—for example, a family member, person, payee, borrower, lender, or participant in a shared expense—you are responsible for ensuring that you have a lawful basis or appropriate permission to provide that information to Smart Pocket.

3. Information We Collect

3.1 Account and Profile Information

When you register for or manage a Smart Pocket account, we may collect:

full name;
email address;
telephone number;
profile image;
country;
language preference;
preferred currency;
account preferences;
authentication information;
login provider information;
email-verification status;
account status;
subscription plan;
trial status;
subscription entitlement information; and
other profile information you choose to provide.

Where you sign in using a third-party authentication service such as Google, we may receive information authorised by you and made available by that provider, such as your name, email address, profile image, and authentication identifier.

We do not receive your Google password.

4. Financial and Personal Finance Information

Smart Pocket allows you to voluntarily enter and manage financial information, including:

income;
expenses;
transaction descriptions;
account names;
account balances;
currencies;
transfers;
budgets;
financial goals;
recurring payments;
bills;
personal subscriptions;
subscription renewal dates;
loans;
repayments;
reimbursements;
settlements;
shared expenses;
financial relationships;
information relating to people whose finances you manage;
categories;
notes;
uploaded receipts;
invoices;
supporting documents; and
other financial records you choose to maintain.

Smart Pocket is not a bank

Smart Pocket is a personal financial-management and organisation platform.

Unless we expressly introduce and disclose a separate regulated integration:

Smart Pocket does not operate as a bank;
Smart Pocket does not hold customer deposits;
Smart Pocket does not provide regulated banking services;
Smart Pocket does not automatically access your bank account;
Smart Pocket does not initiate bank transactions on your behalf; and
financial information displayed in Smart Pocket may depend on information provided by you.

You remain responsible for verifying the accuracy of your financial records.

5. Personal Subscription Information

Where you use Smart Pocket's Personal Subscriptions feature, we may process information such as:

subscription provider;
service name;
amount;
billing frequency;
currency;
renewal date;
payment account;
subscription status;
reminder preferences;
notes; and
related subscription details.

Examples may include services such as gym memberships, digital services, software products, streaming services, online purchases, cloud services, and other recurring subscriptions.

Smart Pocket may use this information to generate renewal reminders, upcoming-payment notices, continuity information, and related subscription-management features.

We do not control whether a third-party merchant changes its prices, billing terms, renewal dates, or subscription conditions.

You are responsible for confirming important renewal or cancellation deadlines directly with the relevant service provider.

6. Artificial Intelligence and Automated Features

Smart Pocket may provide AI-assisted features that allow you to enter or organise financial information through text, voice, receipts, documents, or other supported inputs.

We may process:

text prompts;
transaction descriptions;
voice recordings where applicable;
voice transcripts;
receipts;
uploaded images;
uploaded documents;
extracted text;
merchant information;
transaction amounts;
dates;
categories;
AI-generated suggestions;
AI-generated summaries;
processing metadata;
usage limits;
AI-credit information; and
technical information necessary to provide the AI feature.

AI output may contain errors

AI-generated information may be incomplete, inaccurate, misclassified, outdated, or otherwise incorrect.

Smart Pocket's AI features are designed to assist users and are not a substitute for human review.

Where the platform provides a review step, you should review generated information before saving, relying upon, or acting on it.

Smart Pocket does not guarantee the accuracy of AI-generated classifications, interpretations, recommendations, or extracted information.

7. Voice Processing

Where voice features are available, Smart Pocket may process audio or transcripts necessary to interpret your instructions.

Depending on implementation, audio may be processed by third-party speech or AI service providers.

We will not intentionally use voice data for biometric identification unless a specific feature requiring such processing is introduced and legally appropriate notice and consent are provided.

8. Uploaded Documents and Receipts

If you upload receipts, invoices, images, statements, or documents, those files may contain personal or financial information.

You are responsible for ensuring that:

you have the right to upload the material;
the material does not unlawfully disclose another person's information; and
you do not upload unnecessary sensitive information.

Smart Pocket may process uploaded files to:

extract transaction information;
classify transactions;
assist with record creation;
detect duplicates or errors;
generate summaries; and
provide related functionality.

9. Technical, Device and Usage Information

When you use Smart Pocket, we may automatically collect information such as:

IP address;
device type;
browser type;
operating system;
device identifiers;
application version;
referring URLs;
login timestamps;
session identifiers;
pages viewed;
features used;
interactions with the Services;
diagnostic data;
error logs;
crash information;
performance information;
security logs;
approximate geographic region derived from IP address;
cookie information; and
similar technical data.

We may use such information to maintain security, analyse performance, troubleshoot problems, and improve the Services.

10. Communications and Support Information

When you contact us or submit a support request, we may collect:

name;
email address;
telephone number;
support messages;
screenshots;
attachments;
device information;
account information;
correspondence history; and
any other information you voluntarily provide.

Please avoid including passwords, full payment-card numbers, or other unnecessary sensitive information in support messages.

11. Information About Other People

Certain Smart Pocket features allow users to record information relating to other individuals.

This may include:

names;
financial relationships;
shared expenses;
balances;
repayments;
reimbursements;
settlements; and
other records entered by the account holder.

You must only enter another individual's personal information where you have a lawful reason to do so.

Smart Pocket is not responsible for determining whether a user has obtained all permissions required to enter another person's information.

12. How We Use Personal Information

We may process personal information to:

create and maintain user accounts;
authenticate users;
provide Google or other supported login methods;
operate the Services;
display and organise financial records;
process user-entered transactions;
maintain account balances;
manage budgets;
provide reports and summaries;
manage recurring payments;
track subscriptions and renewals;
provide alerts and reminders;
process shared expenses;
calculate reimbursements and settlements;
operate AI-assisted features;
process voice instructions;
analyse receipts and documents;
manage plans and subscriptions;
process payments;
provide customer support;
respond to inquiries;
send service communications;
prevent fraud and abuse;
protect account security;
diagnose errors;
improve performance;
conduct analytics;
maintain backups;
enforce our Terms of Service;
comply with legal obligations;
establish, exercise, or defend legal claims; and
protect Smart Pocket, our users, and third parties.

We will not materially expand the use of personal information for an incompatible purpose without providing appropriate notice or obtaining consent where legally required.

13. Legal Bases for Processing

Where applicable law requires a legal basis, we may process personal information based on one or more of the following:

Performance of a Contract

Processing necessary to create your account and provide the Smart Pocket Services you request.

Consent

Where you voluntarily consent to particular processing, such as certain marketing communications, optional cookies, or other consent-based functionality.

Legitimate Interests

Processing necessary for legitimate business purposes such as:

maintaining security;
preventing fraud;
improving the Services;
troubleshooting;
protecting our legal rights;
maintaining operational records; and
understanding platform usage.

Where required, we balance these interests against your rights and interests.

Legal Obligations

Processing necessary to comply with applicable law, regulatory requirements, court orders, taxation requirements, accounting obligations, or lawful government requests.

Protection of Rights and Safety

Processing necessary where appropriate to protect users, Smart Pocket, third parties, or the public from fraud, abuse, security threats, or unlawful conduct.

14. Cookies and Similar Technologies

Smart Pocket may use:

cookies;
local storage;
session storage;
authentication tokens;
pixels;
SDKs; and
similar technologies.

These may be used to:

authenticate users;
keep users signed in;
remember preferences;
maintain sessions;
secure accounts;
prevent fraud;
analyse performance;
understand feature usage; and
improve functionality.

Where legally required, non-essential cookies will be used only after obtaining consent.

You may control cookies through your browser or device settings.

Disabling essential technologies may prevent portions of the Services from working correctly.

15. Analytics

We may use analytics tools to understand how users interact with Smart Pocket.

Analytics may include information such as:

pages viewed;
feature usage;
session duration;
device information;
referral information;
performance metrics; and
aggregated usage patterns.

Where required by applicable law, consent will be obtained before using non-essential analytics technologies.

16. Payments

Where Smart Pocket offers paid subscriptions, payments may be processed by third-party payment processors.

We may receive information such as:

payment status;
transaction identifier;
subscription status;
billing country;
payment method type; and
limited payment metadata.

Unless expressly stated otherwise, Smart Pocket does not intend to directly store complete payment-card numbers, card security codes, or equivalent sensitive payment credentials.

Payment processors operate under their own privacy policies and security requirements.

17. How We Share Personal Information

We may share personal information only where reasonably necessary with categories of recipients such as:

hosting providers;
cloud infrastructure providers;
database providers;
authentication providers;
email providers;
notification providers;
AI providers;
speech-processing providers;
analytics providers;
monitoring and security providers;
payment processors;
customer-support providers;
professional advisers;
auditors;
accountants;
insurers;
legal advisers;
regulators;
courts;
law-enforcement authorities; and
prospective purchasers or successors in a legitimate corporate transaction.

We require service providers to process information in accordance with contractual, confidentiality, security, and legal obligations appropriate to their role.

18. No Sale of Personal Information

Smart Pocket does not sell personal information for monetary consideration.

If our practices change in a manner that constitutes a “sale” or “sharing” under applicable privacy law, we will provide legally required disclosures and opt-out mechanisms.

Where applicable, users will not be discriminated against for exercising statutory privacy rights. California privacy law expressly recognises rights relating to knowledge, deletion, opt-out of sale or sharing, and non-discrimination.

19. Advertising and Marketing

We may send information concerning:

product updates;
new Smart Pocket features;
educational information;
offers;
promotions; and
company announcements.

Where marketing consent is required, we will obtain it.

You may unsubscribe from promotional communications using the unsubscribe mechanism provided or by contacting us.

Unsubscribing from marketing will not prevent us from sending essential:

account communications;
security alerts;
billing notices;
service notices;
password/authentication messages; or
other transactional communications.

20. International Data Transfers

Smart Pocket is based in the United Arab Emirates.

Some providers we use may process personal information in other countries.

As a result, information may be transferred to and processed in jurisdictions with privacy laws that differ from those of your country.

Where required by applicable law, we will implement appropriate safeguards for international transfers, which may include:

contractual safeguards;
legally recognised transfer mechanisms;
adequacy mechanisms;
security controls; and
additional protective measures.

The UAE Personal Data Protection Law contains requirements relating to cross-border transfers of personal information.

21. Data Retention

We retain personal information only for as long as reasonably necessary for legitimate purposes, including:

providing the Services;
maintaining your account;
fulfilling contractual obligations;
meeting accounting obligations;
meeting tax obligations;
maintaining security records;
detecting abuse;
resolving disputes;
enforcing agreements;
complying with legal obligations; and
establishing or defending legal claims.

Retention periods may vary depending on the type of information and the legal or operational purpose for which it is retained.

When information is no longer reasonably required, we may:

delete it;
anonymise it;
aggregate it; or
securely archive it where permitted or required.

Backup systems may retain deleted information temporarily until routine backup rotation removes it.

22. Account Deletion

Where available, you may initiate account deletion through Smart Pocket or contact us to request deletion.

Before processing a deletion request, we may:

verify your identity;
verify account ownership;
warn you about irreversible consequences;
permit or recommend data export;
preserve information required by law; or
retain limited records necessary for fraud prevention, security, dispute resolution, tax, accounting, or legal purposes.

Deletion may be irreversible.

Deleting your account does not necessarily require immediate deletion of information that we are legally entitled or required to retain.

23. Data Security

We maintain reasonable administrative, organisational, and technical measures intended to protect personal information.

Depending on the nature of the Services, safeguards may include:

authentication controls;
role-based access controls;
database access restrictions;
encryption in transit;
encryption at rest where appropriate;
secure hosting;
logging;
monitoring;
backups;
restricted administrative privileges;
software updates;
security testing;
incident-response procedures; and
other appropriate measures.

However, no internet-connected platform, storage system, transmission method, or security measure can be guaranteed to be completely secure.

Accordingly, Smart Pocket cannot guarantee absolute security.

Users are responsible for:

protecting passwords;
protecting authentication credentials;
securing devices;
maintaining access to associated email accounts;
logging out of shared devices; and
notifying us promptly of suspected unauthorised account access.

24. Security Incidents

If we become aware of a personal-data breach, we will assess the incident and take steps required under applicable law.

Where legally required, we may notify:

affected users;
relevant regulatory authorities; or
other appropriate parties.

Nothing in this Privacy Policy guarantees that every security event will require notification.

Notification obligations depend on applicable law and the nature and risk of the incident.

25. Your Privacy Rights

Depending on your jurisdiction, you may have rights including the right to:

know whether we process your personal information;
request access;
obtain a copy;
correct inaccurate information;
complete incomplete information;
request deletion;
request restriction of processing;
object to certain processing;
withdraw consent;
request portability of eligible information;
object to direct marketing;
request information about recipients;
request information about international transfers;
lodge a complaint with an appropriate authority; and
exercise rights relating to automated decision-making where applicable.

These categories closely reflect the rights recognised under GDPR-style frameworks, including access, rectification, erasure, restriction, portability, objection, and protections regarding certain automated decisions.

Rights are not absolute and may be subject to legal exceptions.

26. How to Exercise Your Rights

To submit a privacy request, contact:

Email: saaspersonalexp@gmail.com

Please include enough information for us to identify the relevant account and understand your request.

We may request reasonable identity verification before processing the request.

We may refuse or limit a request where permitted by law, including where a request is:

manifestly unfounded;
excessive;
fraudulent;
technically impossible;
inconsistent with another person's rights; or
subject to a lawful retention requirement.

Where applicable law imposes a response period, we will endeavour to respond within that period.

27. Automated Decision-Making

Smart Pocket may use automated systems and artificial intelligence to:

categorise transactions;
extract receipt information;
generate summaries;
identify patterns;
suggest transaction details;
organise information; or
provide related functionality.

Unless expressly disclosed otherwise, Smart Pocket does not intend these systems to make decisions producing legal or similarly significant effects about users without appropriate human involvement.

Where applicable law grants rights relating to automated decision-making or profiling, users may exercise those rights.

28. Accuracy of Financial and AI Information

Smart Pocket is designed as an organisational and personal-finance management tool.

Information generated or displayed by Smart Pocket may depend on:

information entered by you;
third-party data;
AI interpretation;
exchange-rate sources;
calculations;
categorisation logic; and
technical processing.

You should independently verify information before making important financial, contractual, tax, investment, legal, or business decisions.

Nothing provided through Smart Pocket constitutes:

financial advice;
investment advice;
tax advice;
legal advice;
accounting advice; or
banking advice.

29. Children and Minors

Smart Pocket is not intended for individuals who lack legal capacity to enter into a binding agreement or validly consent to personal-data processing under applicable law.

We do not knowingly solicit personal information from children where parental or guardian authorisation is legally required.

If you believe that a child has improperly provided personal information, contact us.

We may delete or restrict such information where appropriate.

30. Third-Party Services

Smart Pocket may integrate with or contain links to third-party services.

Examples may include:

Google authentication;
payment processors;
AI providers;
email providers;
cloud services;
analytics tools; and
external websites.

Third-party services operate according to their own terms and privacy policies.

Smart Pocket is not responsible for the independent privacy, security, content, availability, or conduct of third-party services.

31. Business Transfers

If Smart Pocket or its legal entity undergoes:

merger;
acquisition;
restructuring;
financing;
sale;
insolvency;
reorganisation; or
transfer of all or part of its business or assets,

personal information may be transferred as part of that transaction where lawful.

Any successor receiving personal information will be required to handle it in accordance with applicable law.

32. Legal Disclosure and Protection of Rights

We may preserve, access, or disclose information where we reasonably believe it is necessary to:

comply with applicable law;
comply with legal process;
comply with a court order;
respond to lawful government requests;
enforce agreements;
investigate suspected fraud;
investigate abuse;
protect Smart Pocket's rights;
protect user safety;
prevent security threats; or
establish, exercise, or defend legal claims.

Where legally permitted, we may challenge requests that we consider unlawful, excessive, or inappropriate.

33. Data Anonymisation and Aggregation

We may create aggregated or de-identified information that does not reasonably identify an individual.

We may use such information for:

analytics;
security;
product development;
statistics;
research;
performance improvement; and
business planning.

Where information has been properly anonymised so that it is no longer personal information under applicable law, this Privacy Policy may no longer apply to that information.

34. Service Providers and Subprocessors

Smart Pocket may change service providers as the platform develops.

We may add, replace, or remove providers where reasonably necessary for:

security;
performance;
functionality;
infrastructure;
AI processing;
payment processing;
communication; or
other operational needs.

We are not required to obtain individual user approval every time a provider changes unless applicable law or an existing contractual commitment requires it.

Where required, appropriate processor or data-protection agreements will be maintained.

35. Changes to the Services

Smart Pocket may introduce new functionality, integrations, applications, devices, AI features, or financial-management tools.

Where a new feature materially changes how personal information is processed, we will update this Privacy Policy or provide additional notice where appropriate.

36. Changes to This Privacy Policy

We may modify this Privacy Policy from time to time to reflect changes in:

applicable laws;
regulations;
technology;
security practices;
business practices;
service providers;
Smart Pocket functionality; or
organisational structure.

The updated version will display a revised Last Updated date.

Where required by law or where changes are materially significant, we may provide additional notice through:

the Services;
email;
account notifications; or
another appropriate method.

Your continued use of the Services after an update does not waive any consent requirement that applicable law requires us to obtain separately.

37. Jurisdiction-Specific Privacy Rights

Privacy rights vary by jurisdiction.

Where laws such as the UAE Personal Data Protection Law, European GDPR, UK GDPR, California privacy laws, or other applicable privacy statutes apply to a particular user, Smart Pocket will endeavour to honour the rights and obligations required by those laws.

Nothing in this Privacy Policy is intended to waive, restrict, or eliminate rights that cannot legally be waived.

38. Complaints

If you have concerns about our processing of personal information, please contact us first so we can investigate.

You may also have the right to lodge a complaint with the privacy or data-protection authority responsible for your jurisdiction.

In the UAE, Federal Decree-Law No. 45 of 2021 establishes the federal personal-data protection framework, and the UAE Data Office is identified by the UAE Government as the federal regulator responsible for data-protection policy and oversight.

39. Contact Us

For privacy questions, requests, concerns, or complaints:

Smart Pocket
Legal Entity: Manhatin Computer Software Consultancy
Address: Al Majaz 2, Sharjah, United Arab Emirates
Email: contact@1smartpocket.com
Telephone: +971 50 832 2799