Privacy Policy for Spendly

Last Updated: 2025-11-24

Spendly ("Spendly," "we," "our," or "us") is a personal finance app that connects to your financial accounts to deliver AI-powered insights, budgeting, and assistance across web, iOS, Android, and macOS. This Privacy Policy explains the data we collect, how we use it, and the choices you have.

By using Spendly or accessing https://spendly.top, you agree to this Privacy Policy.

1. Information We Collect
- Account Information: Name, email address, login credentials (stored securely), and profile settings.
- Financial Data: Account identifiers provided through linked banks and financial institutions, transaction and balance data, budget and goal details, and subscription tracking information. We never see or store your bank passwords; connections are handled through trusted banking partners.
- Payment and Subscription Data: Billing details for Spendly Pro, purchase history, and subscription status. Payments are processed by third-party providers and we do not store full payment card numbers.
- Device and Usage Data: Device type, operating system, app version, log data, IP address, and cookies or similar technologies for authentication and session management.
- Communications: Support requests, product feedback, and questions you send through the app or to our email.

2. How We Use Information
- Deliver and improve Spendly features, including automatic transaction syncing, AI-powered categorization, budgeting tools, spending alerts, and the Ask My Money assistant.
- Personalize insights, detect unusual activity, and surface subscription tracking or spending predictions.
- Provide customer support, troubleshoot issues, and maintain service reliability and security.
- Send service-related messages (such as account or security updates) and, where permitted, product announcements or educational content. You can manage email preferences at any time.

3. Cookies and Analytics
We use essential cookies for authentication and session continuity, and we may use analytics tools to understand product usage and improve performance. You can control cookies through your browser settings, but some features may not function without them.

4. How We Share Information
- Service Providers: Banking connectivity partners, payment processors, analytics, and customer support tools that help us operate Spendly under strict confidentiality and security requirements.
- Legal and Safety: When required by law, legal process, or to protect the rights, property, or safety of Spendly, our users, or others.
We do not sell or rent your personal or financial data.

5. Data Security
We apply bank-level security practices, including encryption in transit and at rest where applicable, secure APIs through trusted partners, access controls, and optional biometric protection on supported devices. No system is perfectly secure, and we encourage you to use strong, unique passwords and device protections.

6. Data Retention and Your Choices
We retain personal data while your account is active or as needed to provide the service. You can request deletion of your account and associated personal data, subject to legal or contractual requirements. You may request a copy of your data, update account details, or adjust marketing preferences at any time.

7. Children's Privacy
Spendly is not directed to children under 13, and we do not knowingly collect personal information from children. If you believe a child has provided us data, contact us so we can delete it.

8. International Transfers
If you access Spendly from outside the United States, your information may be processed in countries where we or our service providers operate, subject to appropriate protections.

9. Updates to This Policy
We may update this Privacy Policy to reflect product, legal, or regulatory changes. We will post updates on this page and notify you by email or in-app for significant changes.

10. Contact
For questions or requests about this Privacy Policy or your data, contact us at bartzalewskidev@gmail.com.