This Privacy Policy explains how Spendy ("we," "us," or "our") collects, uses, and protects information when you use the Spendy mobile application and related services (the "Service"). By using the Service, you agree to the practices described here.
1. Information We Collect
Information you enter into the app
The core of the Service is the financial information you choose to type in yourself. This may include your first name, your answers during onboarding (for example, what brings you to Spendy, who is in your household, the types of debt you have, how you get around, your subscriptions and your savings goals), the categories and amounts in your budget, the income and expense transactions you log, savings goals and challenges, notes, and the commitment contract you sign within the app.
Settings and preferences
We store the preferences you set, such as your chosen currency, number format, language, app colour, the day your financial month starts, and any profiles you create.
Device and diagnostic information
We may receive limited technical information such as device type, operating system version, app version, and anonymised crash or performance diagnostics (for example, through Apple's built-in crash reporting, subject to your device settings) to keep the Service reliable.
Purchases
If you subscribe to Spendy Premium, the purchase is processed by the Apple App Store. We do not collect or store your payment card details. We may receive confirmation of your subscription status (for example, whether a subscription is active or has expired) so we can unlock premium features and support "Restore purchases."
2. What We Do Not Collect
- We do not connect to, read from, or store credentials for any bank, credit card, or financial institution account.
- We do not require you to create an account or provide an email address to use the Service.
- We do not collect your precise location.
- We do not sell or rent your personal information to anyone.
3. Where Your Data Is Stored
Your budget, transactions, goals and settings are stored locally on your device. If you have enabled device backups or iCloud on your iPhone, your Spendy data may be included in those backups under Apple's terms and privacy policy, which are outside of our control. Deleting the app from your device deletes the Spendy data stored on it.
4. How We Use Information
- To provide the core features of the Service: building your plan, funding your budget categories, tracking income and expenses, showing statistics and the calendar, and tracking savings goals and challenges;
- To personalise the app (for example, greeting you by the name you provide and applying your chosen currency and colour);
- To deliver reminders and notifications you have opted into;
- To operate, maintain, and improve the Service and fix problems;
- To confirm your subscription status and unlock premium features;
- To respond to your support requests;
- To comply with legal obligations.
5. Notifications
Spendy can send you reminders (for example, to log your spending or check in on your goals). Notifications are optional and controlled by the permission you grant in iOS. You can turn them off at any time in your device's Settings.
6. Third-Party Services
We rely on Apple for app distribution, in-app purchases and subscription management, and device-level crash reporting. We may also use a trusted subscription management provider to validate App Store purchases. These providers process limited data on our behalf and are expected to protect it in line with their own privacy policies and applicable law. We do not share the financial information you enter into Spendy with advertisers or data brokers.
7. Data Retention & Deletion
Because your data is stored on your device, you are in control of it. You can edit or delete transactions, categories, goals and profiles from within the app at any time, and you can remove all Spendy data by deleting the app. Any limited data held by us or our providers (such as subscription status or support correspondence) is retained only as long as needed for the purposes described above or as required by law. To request deletion of any information associated with you, contact us at the address below.
8. Data Sharing
We do not sell your personal information. We share information only with the service providers described above, when required by law or valid legal process, to protect our rights and the safety of users, or in connection with a business transfer (such as a merger or acquisition), subject to appropriate safeguards.
9. Children's Privacy
The Service is not directed to children under 13 (or the minimum age of digital consent in your jurisdiction), and we do not knowingly collect personal information from them. If you believe a child has provided us information, contact us and we will take appropriate steps to delete it.
10. Your Rights
Depending on where you live, you may have rights to access, correct, delete, or restrict the processing of your personal information, and to object to certain processing or request portability. Most of these rights can be exercised directly in the app, since your data is stored on your device. For anything else, contact us at [email protected]. We will respond as required by applicable law.
11. Security
We use reasonable technical and organisational measures to protect information against unauthorised access, loss, or misuse, and we rely on the security protections built into iOS for data stored on your device. We recommend protecting your device with a passcode or Face ID. No method of storage is completely secure, and we cannot guarantee absolute security.
12. International Users
Spendy is available in multiple countries and currencies. Any limited information held by our service providers may be processed in countries other than the one in which you live, where data protection laws may differ. Where required, we take steps to ensure appropriate safeguards are in place for such transfers.
13. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date above and, where appropriate, provide notice within the Service. Your continued use after changes take effect constitutes acceptance of the updated policy.
14. Contact
Questions or requests about this Privacy Policy? Contact us at [email protected].