Privacy Policy

Effective Date: February 27, 2026

Spendly ("we", "our", or "the app") is a personal finance and expense tracking application. Your privacy is important to us. This Privacy Policy explains how we handle your information.

        Key Point: Spendly stores all your financial data locally on your device. We do not collect,
        transmit, or store any of your personal financial information on external servers.
    

1. Information We Do NOT Collect

Spendly does not collect:

Your name, email, or contact information
Your financial data (transactions, account balances, budgets, goals)
Your location data
Your personal photos (receipt images are stored locally only)

All financial data you enter into the app remains exclusively on your device.

2. Information Collected by Third-Party Services

Spendly uses the following third-party services that may collect certain data:

Google AdMob (Advertising)

We display ads through Google AdMob to support the free version of the app. AdMob may collect:

Advertising ID: A resettable identifier used to serve relevant ads.
Device information: Device model, OS version, screen size for ad formatting.
IP address: Used for approximate location-based ad targeting (country/region level).

For more details, see Google's Privacy Policy.

Google ML Kit (OCR / Receipt Scanning)

Spendly uses Google ML Kit for on-device text recognition (OCR) to scan receipts. All OCR processing happens entirely on your device. No images or text data are sent to Google's servers.

Groq AI (Text Classification)

Spendly uses the Groq AI API to classify scanned receipt text into structured fields such as title, date, amount, and notes. When you scan a receipt:

Extracted text only (not the image) is sent to Groq's servers for classification.
No personal identifiers are included in the request.
Groq does not store or use the data for training purposes.

For more details, see Groq's Privacy Policy.

3. Data Storage

All your financial data is stored locally on your device using an embedded database (Isar). This means:

Your data is never uploaded to the cloud.
Your data is only accessible on the device where the app is installed.
If you uninstall the app, your data will be permanently deleted.

4. Data Security

We take the following measures to protect your data:

Biometric Authentication: Optional fingerprint/face lock to protect access to the app.
Local-Only Storage: No network transmission of personal data.
No User Accounts: No registration required, eliminating the risk of credential breaches.

5. Permissions

Spendly requests the following device permissions:

Camera: To scan receipts using OCR.
Storage/Photos: To save receipt images and export reports.
Biometric: For optional app lock functionality.
Internet: Required for loading advertisements.
Notifications: For bill reminders and budget alerts.

6. Children's Privacy

Spendly is not directed at children under 13. We do not knowingly collect any personal information from children.

7. Your Rights

Since all data is stored locally on your device, you have full control:

Access: All your data is visible within the app at all times.
Export: You can export your data as PDF or CSV from the app.
Delete: You can delete individual transactions, accounts, or all data by clearing app data or uninstalling.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be reflected with a new "Effective Date" at the top of this page. We encourage you to review this page periodically.

9. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

Email: tejnarayan15.tnc@gmail.com