Privacy Policy
Last updated: [add date when you publish this]
Spendiqo is built around one rule: your financial data is yours. This page explains, in plain language, what that means in practice. Replace the bracketed notes below with your final details before publishing — this draft reflects how the app behaves today, but you should have it checked against the App Store's privacy requirements and your own legal obligations before launch.
What Spendiqo stores
Your expenses, accounts, budgets, investments and settings are stored in Apple's Core Data framework on your device. If you turn on iCloud sync, that same data syncs through your own private iCloud account — Spendiqo does not operate a server or database that stores your transactions, balances, or any other financial detail.
Bank SMS auto-import
If you enable auto-import, Spendiqo reads bank notification text you choose to share with it (via the iOS Shortcuts automation you set up) and parses it for a transaction amount, merchant and date — entirely on your device. The message text is not uploaded anywhere.
Analytics
Spendiqo collects anonymous, aggregate product analytics (e.g. "a user opened the Investments tab") to understand which features are useful. These events:
- Never include your name, email, transaction amounts, or account balances
- Are tied to a random device identifier, not your Apple ID or iCloud account
- Can be turned off entirely in Settings → Privacy
Backups
Manual backup exports are encrypted files you control — saved wherever you choose (Files, AirDrop, email to yourself). Spendiqo never sees or stores a copy.
Third parties
[List any third-party SDKs here if you add them later — e.g. a crash reporter, a payment processor for subscriptions via Apple's StoreKit, etc. As of this draft, Spendiqo uses Apple's own StoreKit for Spendiqo Pro subscriptions and a self-hosted, privacy-first analytics service with no third-party data sharing.]
Your choices
You can export or delete all of your data at any time from Settings, turn iCloud sync off, and opt out of analytics — no account or support request needed.
Contact
Questions about this policy: no.reply.tank@gmail.com.