Privacy Policy

SpendView captures your voice input for the sole purpose of converting speech into expense transactions. Audio is processed using on-device speech recognition provided by your device's operating system. We do not record, store, or transmit raw audio recordings to our servers.

Transcribed text derived from your voice input is used to extract expense details (name, amount, category) and is stored as part of your transaction data.

To provide the core functionality of the app, we store the expense data you log, including:

• Expense amounts
• Expense names or descriptions
• Category assignments
• Date and time of entry
• Budget limits you configure

This data is associated with your account and stored securely in our database.

SpendView requires an account to sync and store your data. We collect the information you provide when signing in, which may include your name and email address via third-party sign-in providers such as Google.

We may process minimal metadata such as:

• Device model and OS version
• App version
• Error logs and crash reports

Metadata is used only for diagnostics and improving app reliability.

Subscription purchases are handled by Apple or Google. We receive limited data such as:

• Product identifier
• Subscription status
• Renewal status

We do not collect or store payment card information.

SpendView optionally lets you connect a bank account so that new transactions are imported for you to review instead of being entered by hand. Bank connections are established through Plaid Inc., a regulated financial data provider. This feature is entirely optional and the app is fully usable without it.

Your bank login credentials are never seen, handled, or stored by SpendView. You enter them directly with Plaid or with your bank, and SpendView receives only an access token that allows transaction data to be retrieved.

When you connect a bank, we receive and store:

• Account metadata: the account name, type and subtype (for example "Checking"), and the last four digits of the account number
• Transactions: the amount, date, currency, merchant or description, and the category assigned by Plaid

We do not receive or store:

• Full account numbers or routing numbers
• Bank login credentials
• Account statements
• Identity or profile information held by your bank

Account balances are returned by Plaid alongside the account metadata above, but SpendView does not use or store them. They are discarded and never written to our database.

When you authorize a connection, your bank may display a consent screen listing broader categories of data — such as account numbers, statements or profile information. That screen describes the access granted between your bank and Plaid, not what SpendView receives. SpendView requests only transaction data, and Plaid passes on only what we request. The additional categories listed on that screen are never shared with us.

You can disconnect a bank at any time from within the app. Disconnecting revokes our access and deletes the stored accounts for that connection. Plaid's own handling of your data is governed by their privacy policy.

Your transaction data, categories, and account information are stored securely in our cloud infrastructure. We employ industry-standard security measures including:

• Encryption in transit (TLS)
• Encryption at rest
• Access controls and authentication
• Data minimization practices

Voice input is processed locally on your device using the operating system's built-in speech recognition engine. Raw audio is not uploaded to SpendView servers. Only the resulting transcribed text is sent to our servers for expense extraction.

Transcribed text may be sent to a third-party AI provider to extract expense details such as name, amount and category. This data is used solely to perform the requested action and is not retained or used for model training.

We work with trusted service providers to operate the app, including cloud infrastructure, AI processing, and — if you choose to connect a bank — Plaid Inc. for financial data access. These providers are required to:

• Use data solely to perform the contracted service
• Not retain user data beyond what is necessary
• Not use your data for their own purposes

We may disclose information if required by law, subpoena, or court order, or to protect the rights, property, or safety of SpendView and its users.

Your transaction data and account information are retained for as long as your account is active. You may delete individual transactions or your entire account at any time from within the app. Deletion is permanent and cannot be reversed.

Raw audio is never stored by SpendView. Transcribed text used for expense extraction is processed and stored only as the resulting transaction record — not as raw transcription logs.

Disconnecting a bank in the app revokes our access with Plaid and deletes the stored account records for that connection, along with any imported transactions still awaiting your review. Deleting your account does the same for every bank you have connected. Imported transactions you have already reviewed and saved remain in your account as ordinary expense records, and can be deleted individually or by deleting your account.