Last updated: March 2026
Spendful is a calm, local-first spend awareness app designed to help you gently notice your spending. The vast majority of your data never leaves your device. This policy explains what data is stored, what optional features may transmit data externally, and how that information is handled.
Spendful does not require an account or sign-in to use the app.
All core app data is stored locally using your device's secure storage and is never sent to Spendful's servers. This includes:
Your data remains on your device unless you choose to export it.
You can export all of your data at any time from within the app. Exported files are saved to your device and are never uploaded by Spendful.
If you uninstall the app, all locally stored data is removed from your device.
Spendful offers optional AI-powered features that require an internet connection. These features send limited data to a third-party AI provider to perform the requested task. The app functions fully without these features.
AI requests are sent directly from your device. Spendful does not operate servers that store AI requests or responses.
When you choose to scan a receipt:
Spendful does not store receipt images externally.
The app requests camera or photo library access only when you choose to scan a receipt.
If you request an insight, Spendful sends a summary of recent spending entries to generate a short reflection.
This summary may include:
Previous insights may be included to reduce repetition. No identifying information such as name, email address, or device identifier is included in these requests.
If you change your default currency and choose to convert existing entries, Spendful retrieves exchange rates from the Exchange Rate API (open.er-api.com). Only the currency code (for example "USD") is transmitted. No personal or financial data is included.
Subscriptions and purchases are processed entirely by Apple (App Store) or Google (Google Play). Spendful does not receive or store payment details.
Purchase validation is handled on-device using information returned by the platform.
Any data collected during the purchase process is governed by Apple’s or Google’s respective privacy policies.
If you enable daily reminders, Spendful schedules local notifications on your device. Notification schedules remain entirely on your device and are not transmitted externally.
Spendful contains no analytics, advertising, crash reporting, or third-party tracking.
This means:
Your activity inside the app is not monitored or transmitted.
| Feature | Data sent externally | Recipient | Optional? |
|---|---|---|---|
| Receipt Scanning | Receipt image (processed) | OpenAI API | Yes |
| AI Insights | Spending summaries (dates, amounts, categories, notes) | OpenAI API | Yes |
| Currency Conversion | Currency code (e.g. "USD") | open.er-api.com | Yes |
| In-App Purchases | Purchase transaction | Apple / Google | Yes (premium features) |
| All other features | Nothing — stored locally | — | N/A |
Spendful is not directed at children under the age of 13. We do not knowingly collect personal information from children.
If we make material changes to this policy, we will update the "Last updated" date at the top of this document. Continued use of the app after changes constitutes acceptance of the revised policy.
If you have questions about this privacy policy, please contact: