Our promise
Spend Sense is built to protect your privacy. We are funded primarily by subscriptions. We may also earn revenue from partnerships and, in the future, from licensing technology we build — never by selling your identifiable financial data to advertisers or data brokers.
In plain language
Today, your financial and app data stays on your phone — encrypted. This website only collects limited waitlist emails and anonymous usage/performance data. If we ever store account data on our servers, it would live with our infrastructure provider, and we would keep it only while your account is active (then delete it within a short window after you close the account, except where the law requires us to keep something longer). Full details are below.
This Privacy Policy explains what limited information we process for the website and waitlist, how app data is stored today, how splitting and settle-up features handle information, and the rights you have over your data.
We will never
- Sell your identifiable financial data to advertisers.
- Share your identifiable financial data with data brokers.
- Access your financial data without your explicit permission.
- Retain data longer than necessary to provide the service or meet legal requirements.
How we use information to improve the product
Today, Spend Sense app account data — including email/password login credentials and the financial information you enter in the app — is stored fully on your device. The iOS app uses encrypted storage on your phone. We don't currently have our own servers where app account data is stored, and we do not use your on-device financial picture to train remote models.
For this website, we use limited waitlist and anonymized analytics information to understand what is working and improve Spend Sense — for example, which pages people visit and how the site performs.
We do not currently sell or license identifiable user data, and we do not currently license anonymized user data (grouped so it can't be traced back to you) to other businesses. If that changes, we will update this policy before doing so.
What we collect — app vs. website
Spend Sense has two surfaces: the iOS app and this marketing website. They handle data differently.
| Category | iOS app | Website |
|---|---|---|
| Account & login | Email and password stay on your device only. No app account is stored on our servers today. | Not collected. The website waitlist is email-only and separate from the app account. |
| Your financial data | Budgets, expenses, vacations, savings goals, split participant names/contacts you enter, and optional Venmo / Cash App payment handles you save for settle-up — all stored encrypted on your device. Not sent to our servers today. Settle-up opens another app on your phone with details you choose; we do not send that data to Venmo or Cash App ourselves. | Never collected for budgets or app finances. On the free /split tool, everything stays in your browser and is not sent to or stored on our servers. |
| Website usage | N/A. | Anonymized page views and performance signals. No financial data and no raw transaction content. |
| Technical & security data | If the app crashes, we may get a report about what went wrong — we strip out your personal details before that report is sent. We do not intentionally include passwords or raw financial records. | We also collect some technical data automatically — like page load times, error rates, and IP addresses — used only to keep the site secure and working well. This is never combined with your financial information. IP addresses are kept in security logs for up to 7 days, then deleted or combined with other data so they can't be traced back to you. |
What we do not collect
For the iOS app, we do not sell your financial data to advertisers or data brokers. For the website, we keep collection to what is needed to operate the waitlist and understand anonymized usage.
We do not currently collect:
- Card verification codes (CVV)
- Government IDs, Social Security Numbers, or tax IDs
- Biometric templates — Touch ID / Face ID stay with iOS
- Precise GPS history used to build movement profiles
- Bank account or card numbers (bank linking is not live)
Features that are not yet live — including receipt scanning as a product feature, bank account linking, encrypted online backup, storing app accounts on our servers, and card-based split payment processing — are not described here as current practices. If we ship them, we will update this policy and, where required, ask for permission before collecting anything new.
When you split an expense
Spend Sense lets you split expenses in the iOS app (including Squads) and on the free website tool at /split.
Participant information
When you split an expense, other people are identified only by a name or contact information you enter. They are not required to create a Spend Sense account for the split itself. Spend Sense does not collect information about them beyond what you provide.
Free web bill splitter (/split)
The /split tool processes everything in your browser. Information about you or other participants in that tool is not sent to or stored on our servers.
Venmo and Cash App settle-up (iOS app)
The iOS app can open Venmo or Cash App on your device when you choose to settle up, using payment details you decide to include (including any payment handle you optionally save in the app). This only happens when you tap to open the other app. Spend Sense does not send data to Venmo or Cash App on its own, does not connect your Spend Sense account to those services, and does not share information with them directly — your action opens the other app with information you chose to include.
Always verify the amount and recipient shown before you complete any payment in that flow. Split results and payment requests are based on information you entered and are not independently verified by Spend Sense.
Direct card-based payment processing for splits (sometimes described as “split payment processing” on pricing pages) is a separate, future feature and is not available today. It should not be confused with opening Venmo or Cash App from the app as described above.
Security
We take reasonable steps to protect information we process, including encrypting app data stored on your device. No method of electronic storage or transmission is 100% secure, and we cannot guarantee absolute security.
For a focused overview of how Spend Sense protects your data — what stays on your device, what would ever touch a server, and how we respond to incidents — see our Security page.
If we become aware of a security incident that affects personal information we process, we will take appropriate steps under applicable law, which may include notifying you and regulators where required.
GDPR data subject rights
If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, you have the following rights over any personal data we process about you (typically limited to website and waitlist data):
- Right of access — request a copy of the personal data we hold about you.
- Right to rectification — correct inaccurate or incomplete personal data.
- Right to erasure — ask us to delete your personal data in certain circumstances.
- Right to restriction — ask us to limit how we process your personal data.
- Right to portability — receive your data in a portable format where applicable.
- Right to object — object to certain types of processing (for example, direct marketing).
- Right to lodge a complaint with a supervisory authority.
To exercise any of these rights, email privacy@spendsenseapp.io. We aim to respond within 30 days.
Your U.S. privacy rights
Depending on where you live in the United States, you may have rights over personal information we process about you. For Spend Sense today, that processing is typically limited to website and waitlist data — app account data remains on your device and is not held on our servers.
Subject to applicable law, these rights may include:
- Access — request a copy of the personal information we hold about you.
- Correction — ask us to correct inaccurate personal information.
- Deletion — ask us to delete personal information, subject to certain exceptions.
- Opt-out — opt out of the sale or sharing of personal information, where those concepts apply.
- Non-discrimination — we will not discriminate against you for exercising your privacy rights.
Spend Sense does not currently sell or license identifiable user data, and does not currently license anonymized user data to other businesses. Nevada residents may still submit a request directing us not to sell covered information under Nevada law (NRS Chapter 603A) by emailing privacy@spendsenseapp.io.
To exercise any of these rights, email privacy@spendsenseapp.io. We aim to respond within the timeframes required by applicable law (for California residents, see below).
California (CCPA / CPRA)
If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the CPRA, provides additional rights and process details:
- Right to know what categories of personal information we collect and how we use it.
- Right to request deletion of personal information, subject to certain exceptions.
- Right to correct inaccurate personal information.
- Right to opt out of the sale or sharing of personal information. We do not currently sell or share personal information as those terms are commonly understood under the CCPA/CPRA.
- Right to non-discrimination for exercising your CCPA/CPRA rights.
To exercise these rights, email privacy@spendsenseapp.io with the subject line "California Privacy Request". We aim to respond within 45 days.
Children's privacy
You must be at least 13 years old to use Spend Sense. If you are between 13 and 17 years old, you confirm that your parent or legal guardian has given you permission to use the Service.
Spend Sense is not directed to children under 13, and we do not knowingly collect information from children. If you believe a child has provided us personal information, please email privacy@spendsenseapp.io so we can delete it.
Data retention
We keep information only as long as we need it to provide the service, comply with law, or resolve disputes.
| Category | Retention |
|---|---|
| Your financial & account data | Stored encrypted on your device today. No app account data is held on our servers in production. If we ever store account data on our servers, we'll keep it only as long as your account is active, and delete it within a short window (for example, about 90 days) after you close your account, except where we're legally required to keep something longer (for example, certain financial or tax records). |
| Online backup / our servers | We're building a way to back up your data online. Nothing is stored there yet, and we'll update this policy before anything changes. |
| Technical & security data | Website performance and anonymized usage data is discarded after 24 hours. Crash reports from the app (with personal details stripped) are kept only as long as needed to fix bugs. IP addresses in security logs are kept up to 7 days, then deleted or combined so they can't be traced back to you. |
| Support conversations | 1 year after our last interaction with you. |
Changes to this Privacy Policy
If we make material changes to this policy, we'll update the date at the top of this page and, where required by law, notify you directly (such as by email or an in-app notice). Your continued use of Spend Senseafter an update becomes effective means you accept the revised policy.
Questions about privacy?
If you have questions about this policy or how we handle data, email privacy@spendsenseapp.io.