Effective Date: July 24, 2025 • Last Updated: July 25, 2026
Introduction
Spndsy ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, store, and protect your information when you use our personal finance management application.
Information We Collect
Personal Information
Account Information: Email address, display name, and profile information when you create an account
Financial Data: Transaction records, amounts, categories, descriptions, and dates that you input
Usage Data: App interaction patterns, feature usage, and preferences
Log Data: Error logs, crash reports, and performance metrics
Analytics Data: Aggregated usage statistics and feature performance data
AI Analysis Data
Transaction Patterns: Financial behavior analysis for AI insights generation
Spending Trends: Categorized spending data used for personalized recommendations
Budget Performance: Analysis of budget adherence and spending habits
How We Use Your Information
Core App Functionality
Transaction Management: Store and organize your financial transactions
Budget Tracking: Monitor spending against set budgets and goals
Financial Analysis: Generate spending charts, reports, and insights
Data Synchronization: Sync your data across devices using your account
AI-Powered Features
Personalized Insights: Analyze spending patterns to provide custom financial advice
Smart Recommendations: Suggest budget optimizations and spending improvements
Trend Analysis: Identify financial trends and patterns in your data
Service Improvement
Performance Optimization: Improve app stability and user experience
Feature Development: Understand user needs to develop new features
Error Prevention: Identify and fix bugs or technical issues
Data Sharing and Third Parties
Firebase Services (Google)
Authentication: Secure user login and account management
Cloud Firestore: Encrypted storage of your financial data
Analytics: Aggregated usage statistics (no personal financial data)
Crashlytics: Error reporting for app stability improvements
AI Services
Backend AI Analysis: Your financial data is processed through our secure backend server
Data Processing: Transaction summaries are sent to AI services via our backend for analysis
Privacy Protection: Your API keys and sensitive data never leave our secure servers
No Data Storage: AI providers do not store your financial data beyond processing
No Data Sales
We never sell your personal or financial information to third parties
We never share individual transaction details with advertisers or marketers
We never provide your data to financial institutions or creditors
Data Security
Encryption
Data in Transit: All data is encrypted using TLS/SSL protocols
Data at Rest: Your information is encrypted in Firebase Cloud Firestore
Local Storage: Sensitive data is securely stored on your device
Access Controls
Authentication Required: All data access requires user authentication
Secure APIs: All communications use secure, authenticated endpoints
Regular Security Reviews: We conduct regular security assessments
Data Retention
Active Accounts: Data is retained while your account is active
Account Deletion: Data is permanently deleted within 30 days of account deletion
Backup Data: Encrypted backups are retained for 90 days for recovery purposes
Your Rights and Choices
Data Access
View Your Data: Access all your stored information through the app
Download Data: Export your financial data in PDF or Excel format
Data Portability: Receive your data in a structured, machine-readable format
Data Control
Modify Information: Edit or update your personal and financial information
Delete Transactions: Remove individual transactions or categories
Account Deletion: Permanently delete your account and all associated data
Privacy Settings
AI Features: Opt-out of AI insights and analysis features
Analytics: Disable usage analytics collection
Notifications: Control privacy-related notifications and alerts
Children's Privacy
Spndsy is not intended for use by children under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has provided us with personal information, we will take steps to delete such information.
International Data Transfers
Your information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable data protection laws and that your information receives adequate protection.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by:
Posting a notice in the app
Sending an email notification
Updating the "Last Updated" date at the top of this policy
Your continued use of Spndsy after any changes indicates your acceptance of the updated Privacy Policy.
Contact Information
If you have questions about this Privacy Policy or our privacy practices, please contact us: