Privacy Policy for Spendid

Last Updated: February 13, 2026

Introduction

Spendid ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application Spendid (the "App"). Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the App.

Information We Collect

Personal Financial Data

Spendid is an expense tracking application that allows you to record and manage your financial transactions. The App collects and stores the following types of data locally on your device:

• Transaction Data: Amount, date, description, category, currency, and other details you enter for your financial transactions
• Category Information: Custom categories you create for organizing your transactions
• Settings Data: Your app preferences including base currency, theme preferences, language settings, and notification preferences
• Asset Information: Information about your assets, asset categories, and providers that you choose to track
• Recurring Transaction Rules: Rules you create for recurring transactions

Device Information

The App may access certain device information necessary for its functionality:

• Storage Access: To save and retrieve backup files and exported data
• Photo Library Access (iOS): To save backup files to your photo library
• Notification Permissions: To send you notifications about recurring transactions and reminders (if enabled)

Automatically Collected Information

The App does not automatically collect personal information, analytics data, or usage statistics. All data you enter is stored locally on your device and is not transmitted to external servers.

How We Use Your Information

We use the information you provide solely for the following purposes:

1. App Functionality: To provide core features of the expense tracking app, including:
   • Recording and displaying your financial transactions
   • Generating financial insights and reports
   • Managing recurring transactions
   • Organizing data by categories
   • Multi-currency support and exchange rate calculations
2. Local Storage: All your data is stored locally on your device using secure local storage mechanisms. We do not transmit your financial data to any external servers.
3. Notifications: If you enable notifications, we use notification permissions to send you reminders about recurring transactions and other app-related notifications.
4. Data Export: When you choose to export your data, the App uses storage permissions to save exported files to your device or photo library.

Data Storage and Security

Local Storage

All data collected by the App is stored locally on your device using:

• SQLite Database: For storing all transaction data, categories, recurring rules, and other financial information in a local on-device database
• AsyncStorage: For storing app settings and user preferences

Data Security

• Your financial data never leaves your device unless you explicitly choose to export it
• We do not use cloud storage or cloud synchronization services
• We do not transmit your data to third-party servers
• All data is stored securely on your device using the operating system's built-in storage mechanisms

Data Backup

You have the option to:

• Export your data to files (Excel, CSV, or other supported formats)
• Save backup files to your device storage or photo library (iOS)
• Import previously exported data back into the App

These backup and export features are entirely under your control, and we do not have access to your exported data.

Data Sharing and Disclosure

We do not share, sell, trade, or otherwise transfer your personal or financial data to any third parties. Specifically:

• We do not share data with analytics services
• We do not share data with advertising networks
• We do not share data with cloud storage providers
• We do not share data with any external services or APIs
• We do not collect or transmit data to our own servers

Your data remains on your device and is only accessible to you through the App.

Third-Party Services

The App uses the following third-party libraries and frameworks for core functionality:

• Expo SDK: For app development framework and core functionality
• React Native: For cross-platform mobile app development
• Expo SQLite: For local on-device SQLite database storage
• TanStack React Query: For local data caching and state management
• Zustand: For local state management
• Date-fns: For date manipulation and formatting
• XLSX: For Excel file export functionality

These libraries are used solely for app functionality and do not collect or transmit your personal data.

External Links

The App may contain links to external third-party services for voluntary donations (such as Buy Me a Coffee, PayPal, etc.). These links open in your device's browser or the respective app. We do not collect, process, or store any payment or personal data through these links. Any transactions you make through these services are governed by their respective privacy policies and terms of service.

Your Rights and Choices

You have the following rights regarding your data:

1. Access: You can view all your data within the App at any time
2. Modification: You can edit, update, or delete any transaction or data entry
3. Deletion: You can clear all app data through the App's settings
4. Export: You can export your data at any time in various formats
5. Notification Control: You can enable or disable notifications in the App settings

Children's Privacy

Spendid is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us so we can delete such information.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

Future Features

Please note that future versions of the App may include:

• Optional cloud synchronization services (iCloud, Google Drive, Dropbox)
• Optional analytics and crash reporting (with your explicit consent)
• Optional premium features and subscriptions

If and when these features are implemented, we will update this Privacy Policy accordingly, and you will be notified of any changes. These features will be opt-in only, and you will have full control over whether to enable them.

Contact Us

Consent

By using Spendid, you consent to this Privacy Policy. If you do not agree with this policy, please do not use the App.