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 core financial data locally on your device. We do not collect,
transmit, or store your personal financial information on external servers — except for the optional, opt-in
Split Tracker feature which uses cloud sync and is fully isolated from local data.
1. Information We Do NOT Collect
For the core app, 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 core 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).
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 (Receipt 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.
Opt-in only: The Split Tracker is a fully optional feature. No network connection is opened
until you deliberately enable Split Tracker. The core app — transactions, budgets, accounts, goals — remains
100% local regardless of whether you use Split Tracker.
If you choose to use the Split Tracker, the following data is stored on Supabase (cloud) servers:
Profile information: Display name, phone number, profession, preferred currency, and bio — only what you choose to enter.
Group data: Group names, member lists, and your membership status.
Expense data: Expense titles, amounts, dates, notes, payer information, and split breakdowns within your groups.
Settlements: Payment records between group members.
This data is shared with other members of your groups so they can see shared expenses and balances. You can
leave any group at any time. For more details, see
Supabase's Privacy Policy.
3. Data Storage
All your core 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 local data will be permanently deleted.
Split Tracker data is stored on Supabase cloud servers and is subject to Supabase's data retention and deletion policies. Leaving a group removes you from it; contact us to request full account deletion.
4. Data Security
We take the following measures to protect your data:
Biometric Authentication: Optional fingerprint/face lock to protect access to the app.
Smart Lock Grace Period: Suppresses re-lock when briefly backgrounding for camera or file picker.
Local-Only Storage: No network transmission of core personal financial data.
Encrypted Backup: AES-encrypted JSON exports secured with a user-set PIN.
No User Accounts: Core app requires no registration, eliminating credential breach risk.
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 and for the optional Split Tracker cloud sync.
Notifications: For bill reminders, budget alerts, and daily logging reminders.
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 core 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 (local): Delete individual transactions, accounts, or all data by clearing app data or uninstalling.
Delete (Split Tracker): You can leave any group at any time. To request full deletion of your Split Tracker account and associated data, contact us at the email below.
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: