Privacy policy
Short version: we collect what we need to show you your money and find you savings. We don't sell your personal information, and we don't use your transactions to target ads. You can download or delete your data at any time.
Who we are
SpendySaver ("we") is operated by SpendySaver, Add your registered business address here before launch. Contact: [email protected].
What we collect
- Account information: name, email, password (hashed), and optional two-step sign-in settings.
- Financial data you connect or enter: account names, balances, transactions, bills, budgets, goals, notes, receipts you attach and retail orders you import. When you link an account, our data provider (for example Plaid) shares read-only data with us under your authorization. We never receive your bank password.
- Savings features: flight searches, items you watch for price drops, coupon votes, and the student or workspace settings you choose.
- Payments: if you buy Plus on the web, our payment processor (Stripe) handles your card; we receive only subscription status. In-app purchases are handled by Apple or Google.
- Device and usage data: app version, device type, IP address and error logs, used to keep the service secure and working.
How we use it
- To provide the service: categorize transactions, detect subscriptions, build budgets, forecasts, reports and the health score.
- To find savings for you: compare offers and fares, watch prices, and rank results by what you would save.
- To negotiate bills you ask us to negotiate, using only the details you authorize.
- To secure accounts, prevent fraud, and meet legal obligations.
- To send alerts and service emails you can control in Settings.
What we don't do
- We don't sell your personal information or share it for cross-context behavioral advertising.
- We don't use your transactions or balances to target ads. Sponsored placements are contextual, labelled, and kept out of rankings.
- We can't move money; access to your accounts is read-only.
Who we share it with
- Service providers that run the service for us under contract: hosting, bank data connectivity, payment processing, email delivery, error monitoring and, only if you use the assistant, an AI model provider that receives the minimum data needed to answer your question.
- Partners you choose: when you click a partner offer, the partner learns that you came from SpendySaver. We don't send them your financial data. If you ask us to negotiate a bill, we share the account details needed with that provider.
- People you invite to your household or as an advisor, according to the role you choose.
- Legal reasons: when required by law or to protect rights and safety.
Retention and deletion
We keep your data while your account is open. Delete your account in Settings → Data & privacy, or email us; we delete your data from active systems within 30 days and from backups within 90 days, except records we must keep by law (for example billing records). Disconnecting a bank stops new data from that bank.
Your rights
You can access, correct, export (Excel, PDF or CSV) and delete your data. Depending on where you live (for example California), you may have additional rights, including the right to know and to opt out of sale or sharing — which we don't do. We won't discriminate against you for using your rights. Contact [email protected].
Security
See our security page.
Children
SpendySaver is for people 18 and older and is not directed to children. We don't knowingly collect data from children under 13.
Changes
We'll post updates here and notify you in the app or by email for significant changes.