Spendwise Privacy Policy

Effective date: February 28, 2026

This Privacy Policy explains how Spendwise ("Spendwise", "we", "our", or "us") collects, uses, and protects information when you use the Spendwise mobile application and related services.

1. Information We Collect

Depending on how you use Spendwise, we may process the following categories of information:

• Information you provide: profile details, budgets, transactions, notes, categories, goals, and other financial data you enter in the app.
• Account and authentication data: sign-in identifiers and account preferences.
• Device and diagnostics data: app version, device model, operating system version, crash logs, and technical logs used to keep the app secure and stable.
• Support communications: information you send when you contact us for help.

2. How We Use Information

We use information to:

• Provide core Spendwise features (expense tracking, budgeting, analytics, and syncing where available).
• Authenticate users and maintain account security.
• Fix bugs, monitor reliability, and improve app performance.
• Respond to support requests and legal obligations.

3. Legal Bases (EEA/UK)

Where applicable, we process personal data under one or more of these legal bases: performance of a contract, legitimate interests (such as app security and reliability), compliance with legal obligations, and your consent when required.

4. Data Sharing and Disclosure

We do not sell personal data. We may share limited information with:

• Service providers: hosting, analytics, crash reporting, customer support, and infrastructure vendors that process data on our behalf.
• Legal/compliance parties: when required by law, regulation, legal process, or to protect rights and safety.
• Business transfers: if we are involved in a merger, acquisition, financing, or asset sale, subject to appropriate safeguards.

5. Data Retention

We retain personal data only for as long as needed for the purposes described in this policy, including service delivery, dispute resolution, security, and legal compliance. We delete or de-identify data when retention is no longer required.

6. Security

We implement reasonable technical and organizational safeguards to protect information. No system is completely secure, and we cannot guarantee absolute security.

7. International Transfers

Your data may be processed in countries other than your own. Where required, we apply appropriate safeguards for cross-border transfers.

8. Children's Privacy

Spendwise is not directed to children under 13 (or the minimum age in your jurisdiction), and we do not knowingly collect personal data from children.

9. Your Privacy Rights

Depending on your location, you may have rights to access, correct, delete, port, or restrict processing of your personal data, and to object to certain processing. You may also have the right to withdraw consent where processing is based on consent.

10. Apple and App Store

Apple may collect and process data according to its own terms and privacy policies when you use iOS, iCloud, or the App Store. Spendwise is not responsible for Apple's independent processing practices.

11. Changes to This Privacy Policy

We may update this policy periodically. We will post the latest version on this page and update the Effective date above.

12. Contact Us

For privacy requests or questions, contact us through the repository maintainer at https://github.com/mikel-lab/terms-documentation/issues.