Privacy Policy

SmartSpend (“we”, “us”, or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, share, and safeguard your information when you use the SmartSpend mobile application and website.

By using SmartSpend, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use the service.

• Account information: your email address and authentication credentials used to create and secure your account.
• Financial data you enter: expenses, income, budgets, savings goals, subscriptions, recurring transactions, and notification preferences.
• Receipt scans: images of receipts you upload through the receipt scanner. OCR-extracted text and merchant/category metadata are stored to help you create expense records.
• Notifications: your push-notification subscription tokens, quiet-hours settings, and per-category notification preferences.
• Feedback: optional name, email, category, message, app version, and device information submitted through the Support & Feedback screen.
• Analytics data: anonymized usage statistics and crash diagnostics to help us improve stability and performance. We do not use these for advertising or profiling.

• Provide, operate, and maintain SmartSpend features such as balance tracking, budgeting, goals, and spending insights.
• Generate personalized AI coaching reports and spending analysis when you request them.
• Send budget alerts, goal progress updates, subscription reminders, and other notifications you enable.
• Respond to your feedback and support requests.
• Improve app security, reliability, and user experience.

We do not sell your personal data. We do not use your data for advertising or behavioral targeting.

We process your data on the basis of performing the contract with you (providing the service), your consent (where required, such as push notifications or receipt scanning), and our legitimate interest in maintaining security and improving the app.

We keep your personal and financial data for as long as your account is active. You can delete individual records, reset categories of data, or erase your entire account from Profile → Data Management at any time.

When you delete your account or specific data, it is removed from active systems promptly. Anonymized analytics and crash logs may be retained for up to 90 days for diagnostic purposes.

Feedback submissions are retained for up to 24 months so we can track issues and follow up if needed, unless you request deletion.

• All data is encrypted in transit using HTTPS/TLS.
• Data at rest is stored in a managed database with row-level protections so only you can access your own records.
• Authentication is handled by a secure identity provider using industry-standard password hashing and session management.
• Payment processing, where enabled, is handled by compliant third parties; card details never touch our servers.
• We regularly review access, monitor for abuse, and apply security patches to our infrastructure.

Depending on your location, you may have the right to:

• Access, update, or delete your personal data.
• Export your financial data.
• Withdraw consent for optional features such as push notifications or AI reports.
• Object to or restrict certain processing.
• Request an account deletion.

To exercise these rights, contact us at denissenku119@gmail.com.

SmartSpend uses carefully selected service providers to operate the app. These providers access only the data necessary to perform their services and are contractually bound to protect it.

• Lovable Cloud — cloud database, authentication, storage, and app infrastructure.
• Google Play Services — used for app distribution, in-app updates, and device-level services on Android.
• Payment providers, if enabled — used for subscription and one-time purchase billing.
• Email delivery providers, if enabled — used for transactional messages and support notifications.

We may update this list as we add or replace providers. Any change that materially affects your privacy will be communicated in-app.

When you request an AI coaching report, a summarized, de-identified snapshot of your financial data is sent to an AI service to generate insights. Raw personal identifiers are not included. AI reports are generated only at your request or, for premium users, on schedules you control.

SmartSpend is not intended for children under 13. We do not knowingly collect personal data from children under 13. If you believe a child has provided us with personal data, please contact us at denissenku119@gmail.com and we will delete the information promptly.

Your data may be processed and stored in countries other than your own. We rely on standard contractual clauses and other legally approved mechanisms to ensure adequate protection during any transfer.

We may update this Privacy Policy from time to time. When we make material changes, we will notify you in the app or by email. The effective date at the top of this page reflects the latest revision. Continued use of SmartSpend after changes constitutes acceptance of the updated policy.

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