Privacy Policy

Last Updated: May 13, 2026

Welcome to Spendlio.

This Privacy Policy explains how Spendlio handles information when you use the application.

1. Overview

Spendlio is designed as an offline-first expense and financial management application. The application primarily stores user data locally on the user’s device.

We are committed to minimizing data collection and protecting user privacy.

2. Information We Collect

Financial Data

Spendlio allows users to store and manage:

• expenses,
• income,
• transfers,
• planned transactions,
• categories,
• accounts,
• cash flow information,
• projections,
• imported financial records.

This information is stored locally on the user’s device unless the user explicitly exports or backs up their data using external services.

We do not intentionally collect or store users’ financial records on our servers.

3. Device and Technical Information

Depending on platform requirements and enabled services, the application may automatically process limited technical information such as:

• device type,
• operating system version,
• crash reports,
• anonymous diagnostics,
• subscription status,
• application performance metrics.

This information may be provided by operating system providers or third-party services.

4. Third-Party Services

Spendlio may use third-party services for:

• subscription and payment processing,
• crash reporting,
• analytics,
• app distribution.

These services may process limited technical information according to their own privacy policies.

Examples may include:

• Apple
• Google

5. Data Storage

User financial data is primarily stored locally on the user’s device.

Users are responsible for:

• protecting their devices,
• securing exported files,
• managing backups,
• protecting access to their accounts and devices.

6. Import and Export Features

Spendlio provides import and export functionality for user convenience.

Exported files may contain sensitive financial information. Users are responsible for handling exported files securely.

7. Data Sharing

We do not sell user financial data.

We do not intentionally share personal financial records with third parties except where required for:

• payment processing,
• legal compliance,
• app functionality requested by the user.

8. Data Security

We take reasonable measures to help protect the application and user data. However, no software or device can guarantee absolute security.

Users are encouraged to:

• use device security features,
• keep devices updated,
• securely manage exported files.

9. Children’s Privacy

Spendlio is not intended for children under the age required by local laws to consent to digital services.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Continued use of the application after updates constitutes acceptance of the revised policy.

11. Contact

If you have questions about this Privacy Policy, you may contact us through the official support channels provided within the application or app store listing.

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