Privacy Policy

 

Version 1.1.0 · Last Updated: 2026-10-30 · Contact: support@smartspendr.app

 

Overview

 

This Privacy Policy explains how SmartSpendr ("we", "us", or "our") handles information when you use the SmartSpendr mobile app and related services.

 

Information We Collect

 

Account information: such as your email address and basic profile needed to create and maintain your account, including your home currency and the currencies you use.

 

User-entered finance records: transactions, accounts, categories, budgets, notes, receipts you attach, and related data you add to the app. If you set a savings goal, we store its name, target amount, date and the account it is kept in.

 

Imported files: when you import a bank statement or a photo of a receipt, the file is read to extract transactions (see Optional AI Features). We do not keep the original file. The extracted lines are saved only after you review and confirm them.

 

AI history: if you use the AI Coach, we save your questions and the answers you received in your account so you can read, export or delete them.

 

Usage counters: counters of how many AI requests, free imports, and exchange-rate requests you have made, kept with your user ID so we can apply usage limits and prevent abuse.

 

Purchase information: if you subscribe to Pro, whether you have an active subscription. Payments are handled by Apple or Google; we do not receive your card details. Subscription status is managed through RevenueCat.

 

App usage and analytics: limited technical and usage information that helps us understand how features are used and improve the app experience.

 

How We Use Information

 

We use information to provide and operate the app, enable sync across devices, convert between currencies, respond to support requests, personalize and improve features, apply usage limits, and ensure reliability and security.

 

Analytics

 

We use Firebase Analytics (provided by Google) to understand general usage patterns, diagnose issues, and inform product decisions. Events record what happened, for example that a screen was opened or an import finished. They do not include amounts, merchant names, descriptions or the text of your questions, but they can include the name of a category and the currency of a record.

 

We link events to your account using your Firebase user ID. We also record a few account settings as properties: the country group of your device (Sri Lanka, US or other), your home currency and preferred currency, how many currencies you use, whether you use more than one, how you described your income, your theme, whether your email is verified, the month you signed up, and that you are a signed-in user. When you sign out, these properties are cleared, except the country group, which is a fact about your device and is kept.

 

Google may also collect device and usage information as described in Google's privacy policy. We do not use analytics to create profiles for advertising.

 

Optional AI Features

 

AI features are optional and require your consent. We use OpenAI to generate responses and to read imported files.

 

AI Coach. When you ask a question, the app works out your figures on your device and sends them with your question to our server, which passes them to OpenAI to write an explanation. The figures are: your account balances, your income and expenses this month, your spending by category this month and last month (using the category names you chose), what converting money has cost you, your typical month, and the goals and income sources you wrote in the Coach profile. If you ask a follow-up, your last few questions and the answers from that conversation are sent too. We do not send a list of your transactions or merchant names unless you are a Pro subscriber and choose to share your records; even then, descriptions and notes are not shared. Your savings goal is not sent to the AI.

 

Reading statements and photos. When you import a bank statement PDF or a photo of a receipt, its pages are sent to our server and to OpenAI to read the transactions. We do not keep the original file on our servers; only the extracted lines you confirm are saved.

 

Please do not include sensitive secrets such as passwords or full card numbers in questions. The Coach provides educational guidance only and is not financial advice.

 

OpenAI processes this data under its API terms. According to OpenAI, data sent through its API is not used to train or improve its models unless a customer chooses to share it, which we have not. OpenAI may keep API inputs and outputs in abuse-monitoring logs for up to 30 days by default, or longer where required by law or reasonably necessary to protect its services or others from harm.

 

Notifications

 

SmartSpendr can send local notifications from your device: a daily reminder and, if you turn it on, a monthly review on the 1st of the month. They are created on your phone, not sent from a server, and the monthly review text does not include amounts. You can turn them off in the app's Notifications screen or in your phone's settings.

 

Exchange Rates

 

To convert between currencies, the app asks our server for exchange rates, which we obtain from ExchangeRate-API. The request does not include your amounts, accounts or records.

 

Sharing

 

We share information with service providers that help us operate the app, under appropriate safeguards:

- Google (Firebase) for sign-in, database, file storage, hosting and analytics.
- OpenAI, to produce AI Coach answers and to read imported files, as described above.
- RevenueCat, Apple and Google, to manage subscriptions.
- ExchangeRate-API, to supply exchange rates (no personal data is sent).

We may also share information when required by law or to protect rights and safety. We don't sell personal information.

 

Data Retention

 

We retain information for as long as your account is active or as needed to provide the service. Daily usage counters (AI and exchange-rate requests) are deleted automatically after about a week, or when you delete your account. The count of your free AI questions and imports is kept until you delete your account. You can delete individual AI history entries at any time.

 

Deleting Your Data

 

Delete My Data in the app's Settings permanently removes your records, accounts, profiles, categories, budgets, notifications, AI history, savings goal, usage counters and free-allowance counters, receipt files and your sign-in account, and clears the app data kept on your device. You can also request deletion by emailing support@smartspendr.app; we will honor such requests where feasible and permitted by law. Analytics data already collected by Google is kept according to our Firebase Analytics retention settings: event data for 2 months and user-level data for 14 months. Aggregated reports that do not identify you may be kept longer.

 

Security

 

We use industry-standard safeguards to help protect information, including encrypted connections. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

 

Your Rights & Choices

 

You may access, update, or request deletion of your information in the app or by contacting support. You may also choose not to use the optional AI features, and you can turn off notifications.

 

Children's Privacy

 

SmartSpendr is not intended for children under the age of 13 (or 16 where applicable). We do not knowingly collect personal information from children in these age groups.

 

Changes to This Policy

 

We may update this Privacy Policy from time to time. We will post the updated version and adjust the "Last Updated" date above when changes are made.

 

For privacy requests email support@smartspendr.app