Privacy Policy

Last Updated: December 11, 2025

Welcome to SpendWise ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application ("App").

By using SpendWise, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our App.

1. Information We Collect

1.1 Account Information

When you create an account or sign in, we collect:

Email Address: Required for account creation and authentication
Display Name: Your name as you choose to display it in the app
Profile Photo: Optional profile picture (if you sign in with Google)
Phone Number: Optional phone number (if provided)
Authentication Method: Whether you signed in with email/password, Google, or as a guest

1.2 Financial Data

To provide our expense tracking services, we collect and store:

Transactions: Income and expense transactions including amount, date, category, account, and optional notes
Categories: Custom expense and income categories you create
Accounts: Financial accounts (Cash, Bank, Credit Card, etc.) with balances
Budget Information: Monthly budget and initial net worth you set
Currency Preferences: Your selected currency and currency symbol

1.3 App Usage Data

We collect information about how you use the App:

App Preferences: Theme settings (light/dark mode), currency preferences
Analytics Data: App usage patterns, feature interactions, and performance metrics (collected via Firebase Analytics)
Crash Reports: Error logs and crash information to help us improve app stability (collected via Firebase Crashlytics)
Device Information: Device type, operating system version, and app version

1.4 Automatically Collected Information

When you use our App, we automatically collect certain information:

Device identifiers and technical information
Log data (timestamps, app events, errors)
Usage statistics and analytics

2. How We Use Your Information

We use the collected information for the following purposes:

2.1 Core App Functionality

To create and manage your account
To authenticate and authorize your access to the App
To store and sync your financial data across your devices
To provide expense tracking, budgeting, and financial reporting features
To generate charts, reports, and financial insights

2.2 Service Improvement

To analyze app usage and improve user experience
To identify and fix bugs, crashes, and technical issues
To develop new features and enhance existing functionality
To monitor app performance and optimize resource usage

2.3 Communication

To send you important updates about the App
To respond to your inquiries and provide customer support
To send password reset emails when requested

2.4 Legal Compliance

To comply with applicable laws and regulations
To protect our rights and prevent fraud or abuse
To enforce our terms of service

3. Data Storage and Security

3.1 Local Storage

Your data is stored locally on your device using Hive database. This allows the App to function offline and provides fast access to your information.

3.2 Cloud Storage

Your data is also synchronized to Google Firebase (Cloud Firestore) to enable:

Data backup and recovery
Multi-device synchronization
Secure cloud storage

3.3 Security Measures

We implement industry-standard security measures to protect your data:

Encryption: Data is encrypted in transit using SSL/TLS
Authentication: Secure authentication through Firebase Auth
Access Control: Your data is only accessible to you through your authenticated account
Firebase Security: Data stored in Firebase is protected by Google's security infrastructure

Important: While we implement strong security measures, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.

4. Third-Party Services

We use the following third-party services that may collect information:

4.1 Google Firebase Services

Firebase Authentication: For user authentication and account management
Cloud Firestore: For cloud data storage and synchronization
Firebase Analytics: For app usage analytics and insights
Firebase Crashlytics: For crash reporting and error tracking

Firebase is a service provided by Google. Your use of Firebase is subject to Google's Privacy Policy and Terms of Service.

4.2 Google Sign-In

If you choose to sign in with Google, we use Google Sign-In service. This is subject to Google's Privacy Policy.

5. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

Service Providers: With trusted third-party service providers (like Google Firebase) who assist us in operating the App, subject to confidentiality agreements
Legal Requirements: When required by law, court order, or government regulation
Protection of Rights: To protect our rights, property, or safety, or that of our users
Business Transfers: In connection with a merger, acquisition, or sale of assets (with notice to users)

6. Your Rights and Choices

6.1 Access and Update

You can access and update your personal information directly through the App settings at any time.

6.2 Data Deletion

You can delete your account and all associated data at any time through the App settings. When you delete your account:

All your financial data (transactions, categories, accounts) will be permanently deleted
Your account information will be removed from our systems
This action cannot be undone

6.3 Data Export

You can export your transaction data as a CSV file through the App's export feature.

6.4 Opt-Out Options

You can opt out of analytics by adjusting your device settings
You can choose not to use cloud sync features (though this limits multi-device access)

7. Children's Privacy

Our App 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 immediately. If we discover that we have collected information from a child under 13, we will delete that information promptly.

8. International Data Transfers

Your information may be transferred to and stored on servers located outside your country of residence. By using our App, you consent to the transfer of your information to countries that may have different data protection laws than your country.

9. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. If you delete your account, we will delete your personal information within 30 days, except where we are required to retain it for legal purposes.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

Posting the new Privacy Policy in the App
Updating the "Last Updated" date at the top of this policy
Notifying you through the App or via email for significant changes

Your continued use of the App after any changes constitutes acceptance of the updated Privacy Policy.

11. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

Right to know what personal information is collected
Right to delete personal information
Right to opt-out of the sale of personal information (we do not sell your data)
Right to non-discrimination for exercising your privacy rights

12. European Privacy Rights (GDPR)

If you are located in the European Economic Area (EEA), you have certain data protection rights:

Right to Access: Request copies of your personal data
Right to Rectification: Request correction of inaccurate data
Right to Erasure: Request deletion of your personal data
Right to Restrict Processing: Request restriction of processing your data
Right to Data Portability: Request transfer of your data
Right to Object: Object to processing of your personal data

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Email: [YOUR_EMAIL]
App Name: SpendWise
Developer: [YOUR_NAME/COMPANY_NAME]

We will respond to your inquiry within 30 days.

14. Consent

By using SpendWise, you consent to our Privacy Policy and agree to its terms. If you do not agree to this policy, please do not use our App.

This Privacy Policy is effective as of the "Last Updated" date shown above.
SpendWise - Your Personal Expense Tracker