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Official Policy

Privacy Policy

Last updated: February 2026

Spendingoperates the Spending mobile application ("App"). This Privacy Policy explains how information is handled when you use our App.

1App Overview

Spending is a personal expense tracking application that allows users to record expenses, track income, and manage personal financial records.

The App does not provide banking, lending, investment, insurance, money transfer, or financial advisory services.

2Information We Collect

2.1 Financial Information (Stored Locally Only)

When using the App, you may enter financial data such as:

  • Expense records
  • Income records
  • Categories
  • Notes
All financial data is stored locally on your device only. We do not upload, store, transmit, or share your financial data to any external servers.

2.2 Advertising and Device Data

If the App displays advertisements (such as Google AdMob), third-party advertising providers may automatically collect:

  • Device identifiers (Advertising ID)
  • IP address
  • Basic usage data
  • Diagnostic information

This data is used solely for delivering and improving advertisements. We do not control third-party data collection practices.

Google Privacy Policy: https://policies.google.com/privacy

2.3 Notification Access Permission

The App may request Notification Access permission to automatically detect transaction notifications and help users record expenses more easily.

This permission is used solely for expense tracking. Notification content is processed only to identify financial transactions and assist in creating expense records.

Notification Access is optional and is enabled only after you grant permission. You can disable this permission at any time through your device settings.

We do not use Notification Access for advertising, analytics, marketing, profiling, or any other unrelated purpose.

Notification data is not shared, sold, rented, or transferred to any third parties. The data is processed only for expense tracking and remains on your device unless you explicitly choose to export or back up your data.

3Data Storage and Security

All financial records are stored locally using secure device storage. We do not operate remote servers to store user financial data.

Users are responsible for securing their device. The App may provide biometric authentication (Face ID / Fingerprint) for additional protection.

4Data Sharing

We do not sell, trade, rent, or share your financial information or notification data with third parties.

Notification Access is used exclusively to identify and record expense transactions on your device. Any notification information processed by the App is used only for this purpose and is not shared with any third party.

Information may only be disclosed if required by applicable law or to comply with legal obligations.

5Data Retention

Since financial data is stored locally:

  • Data remains on your device until deleted by you
  • Uninstalling the app removes local data
  • You may clear data through device settings

6Children's Privacy

Spending is not directed toward children under 13 years of age. We do not knowingly collect personal information from children.

7Your Rights

Depending on your jurisdiction, you may have rights under applicable data protection laws, including access, correction, or deletion of personal data.

Because we do not store financial data on external servers, data control remains entirely on your device.

8Third-Party Services

The App may use third-party services including:

  • Google AdMob
  • Google Play Services
  • Apple App Store Services

These services operate under their own privacy policies.

9Changes to This Policy

We may update this Privacy Policy periodically. Changes will be reflected by updating the "Last updated" date.

10Contact Us

If you have any questions regarding this Privacy Policy, you may contact: