Spenza Privacy Policy

To provide its features, Spenza stores the following data, entered by you, on your device and in your personal iCloud account:

• Expense, income, and savings entries (title, amount, category, date, notes)
• Budget amounts and savings goals you set
• Group names and the names, email addresses, or phone numbers of people you add to a shared group (entered by you, for splitting purposes only)
• Receipt photos you choose to scan or attach to an expense
• App preferences, such as currency and Face ID lock settings

Spenza uses Apple's CloudKit to sync your data privately between your own devices, using your personal iCloud account. This means:

• Your data is stored in your Apple iCloud account, governed by Apple's Privacy Policy
• Spenza does not operate its own servers and does not store a copy of your data anywhere else
• The app's developer cannot see, access, or recover your data
• Deleting the app, or turning off iCloud sync for Spenza, keeps your data under your control — it is not retained by Spenza in any other location

Camera: used only to scan receipts you choose to capture. Images are processed on your device and stored with your expense data in your iCloud account — never uploaded to any third-party service.

Face ID: used only to lock the app on your device. Face ID data is handled entirely by Apple's Secure Enclave and never leaves your device or reaches Spenza in any form.

Spenza does not use third-party analytics, advertising, or tracking services. Data is not sold, rented, or shared with any third party, for any purpose. The only outside service involved is Apple's iCloud/CloudKit infrastructure, used purely to sync your own data between your own devices.

Spenza is not directed at children and is not intended for use by anyone under 13. The app does not knowingly collect data from children.

You can edit or delete any entry within the app at any time. Deleting the app removes its local data from your device; to remove synced data from iCloud entirely, delete the app's data via Settings → [your name] → iCloud → Apps Using iCloud → Spenza, or contact us for help.

If this policy changes, the updated version will be posted here with a new "Last updated" date. Continued use of Spenza after a change means you accept the updated policy.

Questions about this policy or your data? Email pawan.ydv115@gmail.com.