Privacy Policy
Effective Date: August 1, 2025 Last Updated: August 1, 2025
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.
4. Data Sharing & Disclosure
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 (currently no tracking pixels).
7. Legal Bases for Processing (GDPR/UK GDPR)
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 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
spendington1@gmail.comWithdraw consent for location or marketing
Opt out of applicable data sharing under CCPA
To exercise any of the above rights, contact us at spendington1@gmail.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: spendington1@gmail.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] 📧 spendington1@gmail.com
15. Complaints
If you're 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 & Achieve Your Financial Goals.
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