Spendly - Smart Wallet & FCM Reminders

Introduction

Spendly ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our mobile application and related services.

By using Spendly, you agree to the collection and use of information in accordance with this policy.

Information We Collect

Personal Information

Account information (email, username)
Profile data (name, preferences)
Financial data (expenses, income, budgets)
Project and category information
Receipt images and attachments

Device & Usage Information

Device identifiers and hardware information
Operating system and app version
Usage patterns and feature interactions
Crash reports and performance data
IP address and location data (if permitted)

Cloud Storage Data

Backup and sync data
Cross-device preferences
Encrypted financial records

App Permissions Required

Essential Permissions

Internet Access:Required for cloud sync, backup, and FCM notifications
Storage Access:To save receipt images, export data, and cache offline content
Camera Access:For capturing receipt photos and expense documentation
Notifications:Firebase Cloud Messaging (FCM) for budget alerts and reminders

Optional Permissions

Location Services:For expense location tagging and merchant detection (opt-in)
Biometric Access:Fingerprint/Face ID for secure app access (optional)
Contacts:For shared expense features with family/friends (future feature)

How We Use Your Information

Core App Functions

• Expense tracking & categorization
• Budget management & alerts
• Project-based organization
• Analytics and reporting
• Multi-currency support

Enhanced Features

• Cloud backup & sync
• FCM push notifications
• Receipt image processing
• Offline data caching
• App performance optimization

Data Security

🔒 Bank-Grade Security

• End-to-end encryption for all financial data
• Secure cloud storage with industry-standard protocols
• Local data encryption on device
• No sharing of personal financial information with third parties
• Regular security audits and updates
• Biometric authentication support

Third-Party Services

Spendly integrates with the following trusted services:

Firebase (Google): Cloud messaging, analytics, and crash reporting
Cloud Storage Providers: Encrypted backup and sync services
App Analytics: Anonymous usage statistics to improve app performance

These services operate under their own privacy policies. We ensure all data shared with third parties is anonymized or encrypted.

Your Privacy Rights

Data Control

• Access your personal data
• Export your financial records
• Delete your account and data
• Modify privacy preferences

Communication Preferences

• Opt-out of marketing notifications
• Customize FCM alert settings
• Control data sharing preferences
• Manage location services

Children's Privacy

Spendly is designed for users aged 13 and above. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us immediately.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date. Continued use of the app after changes indicates acceptance of the updated policy.

Contact Us

If you have any questions about this Privacy Policy or your data, please contact us:

Email: creativedesignweb786@gmail.com
Support: Through the app's Help & Support section
Website: Current website you're visiting