Spendchat

SpendChat ("the app") is developed and maintained by Sakshi Kumari ("we", "us"). This policy explains what data SpendChat handles and how. ## 1. No backend servers SpendChat is an offline-first app. All of your financial data — accounts, transactions, categories, budgets, savings goals, debts, and reports — is stored locally on your device in a SQLite database. We do not operate any backend server, and we cannot access, see, or recover your data. Nothing is uploaded to us. ## 2. SMS-based transaction import With your permission, SpendChat reads incoming SMS messages on-device to detect bank transaction alerts and pre-fill transaction entries for you to review. This processing happens entirely on your device: - Message content is parsed locally using on-device logic only. - Message content is never transmitted off your device, and is never stored verbatim — only the structured transaction details you confirm (amount, merchant, date) are saved to your local database. - You can deny or revoke this permission at any time in your device's app settings; you can still add transactions manually. ## 3. Local backup & restore You can optionally create a backup of your data as a file stored in this app's private storage on your device, optionally protected with a password you choose (AES-256 encryption). This backup file is never transmitted anywhere unless you explicitly choose to share or move it yourself (e.g., to cloud storage you control). ## 4. Biometric authentication If you enable app-lock, SpendChat uses your device's built-in biometric sensor (fingerprint or face unlock) via the operating system to unlock the app. Your biometric data is handled entirely by your device's OS and is never accessible to, or seen by, SpendChat or us. ## 5. Receipt photos If you attach a photo to a transaction, the image is selected via your device's photo picker and stored locally in the app's private storage. It is never transmitted anywhere unless you choose to share it yourself. ## 6. What we don't do - We do not show ads. - We do not use third-party analytics or trackers. - We do not sell or share your data with anyone, because we never receive it in the first place. ## 7. Data deletion Because all data lives only on your device, uninstalling the app (or clearing its storage in your device's app settings) permanently deletes all SpendChat data, including any local backups stored in the app's private storage. There is no remote copy for us to delete. ## 8. Subscriptions and purchases SpendChat is free to use for everyone at launch. If a paid subscription or one-time purchase is introduced later, it is processed entirely through Google Play Billing. We do not collect, see, or store your payment details (card numbers, billing address, etc.) — that information is handled directly by Google Play under its own privacy policy. We only receive confirmation of your purchase/subscription status from Google Play Billing, which we use locally on your device to unlock premium features. This status is not linked to any of the financial data you enter in SpendChat. ## 9. Changes to this policy If this policy changes, we will update the "Last updated" date above and, for material changes, note it in the app's release notes. ## 10. Contact Questions about this policy or your data: **[email protected]**