Yes. Spendington is free to download and use with all core features including expense tracking, budgeting, and the AI assistant. A premium plan is available for power users who want unlimited receipt scanning and detailed analytics.

How does receipt scanning work?

Point your camera at any receipt and tap scan. Spendington's AI reads every item, price, and date on the receipt, then creates a structured expense entry with the correct category. The whole process takes seconds.

Is my financial data private?

Absolutely. Your data is stored securely and is never sold to third parties. You can request a full export of your data in CSV or JSON format at any time. If you delete your account, all data is removed within 30 days.

What platforms does Spendington support?

Spendington is available on iOS and Android. Download it free from the App Store or Google Play. A web version is coming soon.

Privacy Policy | Spendington

Welcome to Spendington – Expense & Budget Tracker App (“Spendington”, “we”, “our”, or “us”). This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our mobile and web applications (collectively, the “Services”).

By using Spendington, you agree to the practices described below. If you do not agree, please do not use the Services.

1. Scope of This Policy

This policy applies to personal and financial data collected through the Spendington mobile app, web interface, and related tools and services. We may update this policy periodically. Significant changes will be communicated via email or in-app notifications.

2. Data We Collect

We collect the following categories of data to deliver our services effectively:

A. Account & Authentication Information

Full name
Email address
Password (hashed and salted)
Email confirmation status
Password reset requests (rate-limited to 1 per minute)
Login/logout timestamps

B. Financial & Transaction Data

Expense entries: name, unit, price, currency, type (credit/debit), date and time, notes, party involved, location, category, and subcategory
Income entries: source, type (active/passive), amount, date, category, and subcategory
Attachments (for premium users): uploaded receipts or supporting files via Firebase Storage

C. Location & Device Data

Location (longitude and latitude if enabled for labeling expenses)
Device ID, OS version, app version
IP address and session data

D. Usage Analytics

Time spent in app, feature usage
Real-time dashboard interactions
Crashes, errors, and diagnostic logs

E. Payment & Subscription Data

In-app purchases via Apple Pay, Google Pay, Paystack
Subscription status and timestamps
Payment platform data (via respective provider)
Fraud detection metadata (device fingerprinting, secure session identifiers)

3. How We Use Your Data

We use your data to:

Authenticate and manage your account
Track, categorize, and display your expenses and income
Power the real-time dashboard (e.g., income vs. expense pie chart)
Provide attachments and labeling for advanced users
Deliver customer support via WhatsApp and email
Process payments and manage subscription services
Enhance app functionality and detect fraud
Improve the app through crash reports and usage metrics
Send promotional content or financial tips if you opt in

We do not sell your data.

We share your data only with trusted partners and under these conditions:

Cloud Services: Firebase (authentication, database, hosting, storage)
Analytics & Crash Reporting: Google Analytics, Firebase Crashlytics
Payment Platforms: Apple Pay, Google Pay, Paystack
Bank Aggregators: (e.g., Plaid, TrueLayer, if integrated)
Legal Requirements: In response to valid legal requests or applicable laws

We do not share or sell your financial data to advertisers. All third-party services are vetted to ensure compliance with applicable data protection laws.

5. Third-Party Integrations

We integrate with trusted third parties for added functionality:

Firebase (Google): Hosting, authentication, database, storage
Payment Providers: Apple Pay, Google Pay, Paystack
Customer Support: WhatsApp, Gmail
(Optional) Bank Aggregation: Future integration with platforms like Plaid or TrueLayer

Please review the respective privacy policies of these third parties when enabling features.

6. Cookies & Tracking Technologies

We use:

Local storage and cookies: To manage user sessions and app preferences
SDKs and tracking pixels: For analytics, crash detection, and app performance

Mobile devices may limit or block certain tracking technologies via device settings. You can also manage preferences directly within the app under Settings > Privacy.

For users in the European Economic Area (EEA) or United Kingdom (UK), we rely on:

Contractual Necessity: To deliver core functionality
Consent: For marketing and location-based features
Legitimate Interests: For improving services and fraud prevention
Legal Obligation: To meet tax, audit, and compliance requirements

8. Data Retention

We retain your data based on usage status:

Active Accounts: As long as the account remains active
Inactive Accounts: Deleted after 24 months of inactivity
Closed Accounts: Deleted within 30 days of a confirmed deletion request
Legal Obligations: Retained where required by law

9. International Transfers

Spendington is operated from the United States and Turkey, and your data may be processed or stored in other jurisdictions. For international transfers, we implement safeguards such as:

Standard Contractual Clauses (SCCs)
Encryption and access controls
Data processing agreements

10. Your Rights and Choices

Depending on your jurisdiction, you may:

Access your personal information
Correct incorrect or outdated data
Delete your data (“Right to be Forgotten”)
Restrict or object to specific processing
Export your data: You can request a copy of your financial data in CSV or JSON format by emailing us at support@spendington.com
Withdraw consent for location or marketing
Opt out of applicable data sharing under CCPA

To exercise any of the above rights, contact us at support@spendington.com.

11. Children’s Privacy

Spendington is not intended for users under 16 years old. We do not knowingly collect data from children. If you believe a child has provided us with personal data, please contact us so we can delete it promptly.

12. Security Measures

We take the following steps to protect your data:

TLS Encryption: For data in transit
Encryption at Rest: For stored data in Firebase
Role-Based Access: Only authorized personnel have access
Rate Limiting: To prevent brute-force login attempts
Breach Notification: We will notify affected users and regulators within 72 hours of becoming aware of a breach involving personal data.

13. Contact Us

For questions, support requests, or privacy-related concerns:

Email: support@spendington.com
WhatsApp: Accessible via the in-app support page

14. EU/UK Representative

(Required under GDPR Article 27 for companies offering services in the EU/UK.)

Data Protection Contact – Spendington [Insert Representative Name or Company] [Insert Address in EU/UK] support@spendington.com

15. Complaints

If you are an EU/UK user and believe your data rights have been violated, you may file a complaint with your local Data Protection Authority (DPA) or the UK Information Commissioner’s Office (ICO).

Thank you for using Spendington to track, control, and achieve your financial goals.