Last updated: October 3, 2026
SpendWise ("the app") is an expense-tracking app operated by Daksh Desai ("we", "us"). This policy explains what data the app collects, why, and what your choices are.
Account information. When you create an account we collect your email address and display name. If you use Sign in with Apple, we receive the name and email (or private relay email) that Apple shares with us.
Financial entries you create. Expenses, income, budgets, goals, recurring bills, and shared (split) expenses you enter are stored in your account so they sync across your devices. We never receive your bank credentials. Amounts and merchant names you type are stored as you entered them.
Connected bank accounts (optional). If you choose to link a bank account, Plaid provides SpendWise with account metadata and transaction data, including account name and type, partial account number, transaction amount, date, currency, merchant, and category. SpendWise never receives or stores your online-banking username or password. Linked transactions are stored in your Firebase account so they can appear across your devices. You can disconnect a bank from Settings, which revokes SpendWise's Plaid access. Plaid's handling of data is described in its own privacy policy.
Shared expenses. If you use the Split feature, the expenses, settlements, and groups you create are visible to the other participants you add. Your display name and email address are discoverable by other signed-in SpendWise users so friends can find and add you.
Usage and diagnostics. We use Firebase Analytics and Crashlytics (Google LLC) to understand which features are used and to fix crashes. This includes interaction events, device model, OS version, and crash reports.
How you use SpendWise. To improve the app, SpendWise keeps a usage profile for your account: which screens and features you use and how often, the days you open the app, roughly how long you spend in it, and your device model, iOS version, app version, language, region, time zone, and whether settings such as notifications, app lock, Apple Pay auto-logging and widgets are on. It also records counts of what you've created (for example how many expenses or groups you have) — never the amounts, merchants, notes or anything you type. This profile is linked to your account and can be viewed by the SpendWise team to understand how the app is used and to help with support. You can turn it off at any time in Settings → Share Usage Analytics, and it is deleted when you delete your account.
Apple Wallet transactions (optional). If a future version offers Apple Wallet import and you enable it, transaction data is read on your device solely so you can review and approve entries. Nothing is logged without your approval.
We do not sell your data. We do not use your data for advertising or cross-app tracking. Smart category suggestions are computed on your device and are not uploaded.
Data is stored in Google Firebase (Authentication and Cloud Firestore) and protected by security rules so that your private data is readable only by your account. Data is encrypted in transit.
If you allow notifications, we use Apple Push Notification service to send bill reminders and similar alerts. You can turn these off in iOS Settings at any time.
You can edit or delete any entry in the app. To delete your account and all associated data, contact us at the address below and we will remove it within 30 days. You can also revoke Sign in with Apple access in your Apple ID settings.
SpendWise is not directed at children under 13, and we do not knowingly collect data from them.
If this policy changes, we will update this page and the date above.
Daksh Desai - dakshdesaii.2004@gmail.com